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TD Bank, National Association
Bank|Wilmington, DE|Multi-Region
Loans Originated
5,655
Applications
8,799
Volume
$3 billion
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐Jumbo Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.158%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$781
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and Jumbo loans
Report Card
TD Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 50 metro areas · 16 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$694,680
Average Borrower Income
$313,839
Average Property Value
$991,198
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 4,052 | 71.7% | +0.179% | $758 |
FHA Loans | Strong | Strong | Strong | Sound | 87 | 1.5% | +0.685% | $221 |
VA Loans | Acceptable | Sound | N/A | Acceptable | 17 | 0.3% | +0.011% | $95 |
Jumbo Loans | Strong | Exceptional | Sound | Strong | 1,499 | 26.5% | +0.043% | $920 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Sound | 4,904 | 86.7% | +0.114% | $837 |
Refinance | Sound | Strong | Acceptable | Sound | 751 | 13.3% | +0.431% | $434 |
Geographic Coverage
Metro Areas
49
States Served
16
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTDCDEFLMAMDMENCNHNJNYPARISCVAVT
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 988Mix: 17.47%
Place Specialization
Exceptional
2
Hilton Head Island, SCMSA
Volume: 140Mix: 2.48%
Place Specialization
Exceptional
3
Lakewood, NJMSA
Volume: 303Mix: 5.36%
Place Specialization
Exceptional
4
Nassau County, NYMSA
Volume: 358Mix: 6.33%
Place Specialization
Exceptional
5
Newark, NJ, NJMSA
Volume: 222Mix: 3.93%
Place Specialization
Strong
6
Philadelphia, PA, PAMSA
Volume: 192Mix: 3.40%
Place Specialization
Strong
7
Montgomery County, PAMSA
Volume: 184Mix: 3.25%
Place Specialization
Strong
8
Camden, NJ, NJMSA
Volume: 158Mix: 2.79%
Place Specialization
Strong
9
Cambridge, MAMSA
Volume: 173Mix: 3.06%
Place Specialization
Strong
10
Trenton, NJMSA
Volume: 51Mix: 0.90%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
NJState
Volume: 1,057Mix: 18.69%
Place Specialization
Exceptional
2
NYState
Volume: 1,292Mix: 22.85%
Place Specialization
Exceptional
3
SCState
Volume: 379Mix: 6.70%
Place Specialization
Strong
4
PAState
Volume: 504Mix: 8.91%
Place Specialization
Strong
5
MAState
Volume: 430Mix: 7.60%
Place Specialization
Strong
6
FLState
Volume: 707Mix: 12.50%
Place Specialization
Strong
7
MEState
Volume: 138Mix: 2.44%
Place Specialization
Strong
8
NCState
Volume: 359Mix: 6.35%
Place Specialization
Strong
9
CTState
Volume: 167Mix: 2.95%
Place Specialization
Strong
10
VAState
Volume: 188Mix: 3.32%
Place Specialization
Strong
Showing 10 of 16 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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