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We analyzed every closed loan from Trustmark National Bank — 4.7k loans across 6k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Multi-Region · 21 mkts
Safe Rate Awards💎USDA Champion⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
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Report Card
Trustmark National Bank performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +27.7 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional22 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,557 | 54.8% | +0.254%Above | $1,825Fees | ||||
FHA Loans | 1,405 | 30.1% | +0.534%Above | $1,837Fees | ||||
VA Loans | 463 | 9.9% | -0.243%Below | $1,580Fees | ||||
Jumbo Loans | 127 | 2.7% | -0.204%Below | $1,064Fees | ||||
USDA Loans | 117 | 2.5% | -0.162%Below | $1,605Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,361 | 93.4% | +0.270%Above | $1,780Fees | ||||
Refinance | 308 | 6.6% | +0.365%Above | $1,847Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,669
Applications
6,188
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.277%
vs. market APOR
Avg Net Fees
$1,785
Origination − Credits
Pullthrough Rate
75.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$288,405
Avg Borrower Income
$132,193
Avg Property Value
$359,633
Geographic Coverage
Geographic Performance
Metro Areas
21
States Served
12
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Jackson, MS, MSMSA
Volume: 718Mix: 15.38%of portfolio
Place
Exceptional2
Montgomery, AL, ALMSA
Volume: 359Mix: 7.69%of portfolio
Place
Exceptional3
Hattiesburg, MS, MSMSA
Volume: 183Mix: 3.92%of portfolio
Place
Exceptional4
Mobile, AL, ALMSA
Volume: 276Mix: 5.91%of portfolio
Place
Exceptional5
Gulfport, MSMSA
Volume: 227Mix: 4.86%of portfolio
Place
Exceptional6
Birmingham, AL, ALMSA
Volume: 335Mix: 7.17%of portfolio
Place
Exceptional7
Florence, ALMSA
Volume: 160Mix: 3.43%of portfolio
Place
Exceptional8
Auburn, ALMSA
Volume: 140Mix: 3.00%of portfolio
Place
Exceptional9
Huntsville, AL, ALMSA
Volume: 287Mix: 6.15%of portfolio
Place
Exceptional10
Panama City, FLMSA
Volume: 146Mix: 3.13%of portfolio
Place
ExceptionalShowing 10 of 21 metro areas
Top States by Place Specialization Score
1
MSState
Volume: 1,994Mix: 42.71%of portfolio
Place
Exceptional2
ALState
Volume: 1,916Mix: 41.04%of portfolio
Place
Exceptional3
SCState
Volume: 112Mix: 2.40%of portfolio
Place
Strong4
TNState
Volume: 136Mix: 2.91%of portfolio
Place
Strong5
FLState
Volume: 259Mix: 5.55%of portfolio
Place
Strong6
TXState
Volume: 169Mix: 3.62%of portfolio
Place
Sound7
GAState
Volume: 44Mix: 0.94%of portfolio
Place
Sound8
LAState
Volume: 24Mix: 0.51%of portfolio
Place
SoundHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.