We analyzed every closed loan from The Farmers National Bank of Canfield — 550 loans across 714 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
The Farmers National Bank of Canfield performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+38.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 499 | 90.7% | +0.412%Above | $1,192Fees | ||||
FHA Loans | — | 19 | 3.5% | +0.465%Above | $1,606Fees | |||
VA Loans | — | — | 12 | 2.2% | -0.415%Below | $739Fees | ||
Jumbo Loans | — | 20 | 3.6% | +0.043%Above | $1,235Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume499
Mix90.7%
Spread
+0.412%Above
Fees
$1,192Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume19
Mix3.5%
Spread
+0.465%Above
Fees
$1,606Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume12
Mix2.2%
Spread
-0.415%Below
Fees
$739Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume20
Mix3.6%
Spread
+0.043%Above
Fees
$1,235Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 476 | 86.5% | +0.346%Above | $1,200Fees | ||||
Refinance | 74 | 13.5% | +0.631%Above | $1,187Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume476
Mix86.5%
Spread
+0.346%Above
Fees
$1,200Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume74
Mix13.5%
Spread
+0.631%Above
Fees
$1,187Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
550
Applications
714
Volume
$146 million
Pricing & Closing
Avg Rate Spread
+0.389%
vs. market APOR
Avg Net Fees
$1,198
Origination − Credits
Pullthrough Rate
77.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$266,018
Avg Borrower Income
$122,675
Avg Property Value
$349,127
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Northeast1
PA
Midwest3
ILMIOH
South4
FLNCSCVA
Top Metro Areas by Place Specialization Score
Volume 216Mix 39.27% of portfolio
90/100
Exceptional
Volume 68Mix 12.36% of portfolio
73/100
Strong
Volume 36Mix 6.55% of portfolio
58/100
Sound
Volume 38Mix 6.91% of portfolio
58/100
Sound
Volume 28Mix 5.09% of portfolio
58/100
SoundTop States by Place Specialization Score
1
OhioState
Volume 473Mix 86.00% of portfolio
80/100
Exceptional2
PennsylvaniaState
Volume 68Mix 12.36% of portfolio
59/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.