We analyzed every closed loan from The State Bank and Trust Company — 820 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Explore another lender or local market
Report Card
The State Bank and Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+9.1 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
Acceptable
Bottom 40% 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 · 7 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 | 750 | 91.5% | +0.071%Above | $1,259Fees | ||||
FHA Loans | 42 | 5.1% | +0.564%Above | $1,131Fees | ||||
VA Loans | — | — | 12 | 1.5% | -0.128%Below | $1,321Fees | ||
Jumbo Loans | — | — | 12 | 1.5% | +0.105%Above | $1,047Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume750
Mix91.5%
Spread
+0.071%Above
Fees
$1,259Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume42
Mix5.1%
Spread
+0.564%Above
Fees
$1,131Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume12
Mix1.5%
Spread
-0.128%Below
Fees
$1,321Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume12
Mix1.5%
Spread
+0.105%Above
Fees
$1,047Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 734 | 89.5% | +0.099%Above | $1,299Fees | ||||
Refinance | 86 | 10.5% | +0.022%Above | $894Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume734
Mix89.5%
Spread
+0.099%Above
Fees
$1,299Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume86
Mix10.5%
Spread
+0.022%Above
Fees
$894Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
820
Applications
1,018
Volume
$241 million
Pricing & Closing
Avg Rate Spread
+0.091%
vs. market APOR
Avg Net Fees
$1,253
Origination − Credits
Pullthrough Rate
80.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$294,549
Avg Borrower Income
$147,493
Avg Property Value
$378,049
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Northeast2
CTRI
Midwest3
INMIOH
South7
ALFLGAKYNCSCTN
Top Metro Areas by Place Specialization Score
Volume 256Mix 31.22% of portfolio
83/100
Exceptional
Volume 162Mix 19.76% of portfolio
75/100
Strong
Volume 71Mix 8.66% of portfolio
73/100
Strong
Volume 26Mix 3.17% of portfolio
60/100
Sound
Volume 22Mix 2.68% of portfolio
51/100
Sound
Volume 14Mix 1.71% of portfolio
44/100
SoundTop States by Place Specialization Score
1
OhioState
Volume 563Mix 68.66% of portfolio
81/100
Exceptional2
IndianaState
Volume 218Mix 26.59% of portfolio
71/100
Strong3
MichiganState
Volume 12Mix 1.46% of portfolio
39/100
AcceptableHow 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.
Looking for a different lender?
Are you the owner of The State Bank and Trust Company?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.