We analyzed every closed loan from Traditions Bank — 801 loans across 904 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
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 5 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 FHA and VA loans
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Report Card
Traditions Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+19.8 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
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 | 673 | 84.0% | +0.208%Above | $1,809Fees | ||||
FHA Loans | 101 | 12.6% | +0.225%Above | $1,666Fees | ||||
VA Loans | — | 23 | 2.9% | -0.246%Below | $1,729Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume673
Mix84.0%
Spread
+0.208%Above
Fees
$1,809Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume101
Mix12.6%
Spread
+0.225%Above
Fees
$1,666Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume23
Mix2.9%
Spread
-0.246%Below
Fees
$1,729Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 759 | 94.8% | +0.202%Above | $1,767Fees | ||||
Refinance | 42 | 5.2% | +0.139%Above | $2,420Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume759
Mix94.8%
Spread
+0.202%Above
Fees
$1,767Fees
Refinance
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume42
Mix5.2%
Spread
+0.139%Above
Fees
$2,420Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
801
Applications
904
Volume
$225 million
Pricing & Closing
Avg Rate Spread
+0.198%
vs. market APOR
Avg Net Fees
$1,805
Origination − Credits
Pullthrough Rate
88.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$280,943
Avg Borrower Income
$131,064
Avg Property Value
$357,060
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Northeast3
NJNYPA
South8
DEFLKYMDSCTNVAWV
Top Metro Areas by Place Specialization Score
Volume 569Mix 71.04% of portfolio
100/100
Exceptional
Volume 71Mix 8.86% of portfolio
100/100
Exceptional
Volume 52Mix 6.49% of portfolio
71/100
Strong
Volume 43Mix 5.37% of portfolio
66/100
Strong
Volume 10Mix 1.25% of portfolio
39/100
AcceptableTop States by Place Specialization Score
1
PennsylvaniaState
Volume 768Mix 95.88% of portfolio
88/100
Exceptional2
MarylandState
Volume 15Mix 1.87% of portfolio
42/100
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.