We analyzed every closed loan from WesBanco Bank — 1.6k loans across 2k 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
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 19 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Explore another lender or local market
Report Card
WesBanco Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+13.6 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 20 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 | 1,058 | 66.7% | +0.136%Above | $1,778Fees | ||||
FHA Loans | 315 | 19.9% | +0.280%Above | $1,794Fees | ||||
VA Loans | 67 | 4.2% | -0.418%Below | $781Fees | ||||
Jumbo Loans | 128 | 8.1% | +0.021%Above | $614Credit | ||||
USDA Loans | — | 18 | 1.1% | +0.136%Above | $2,055Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,058
Mix66.7%
Spread
+0.136%Above
Fees
$1,778Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume315
Mix19.9%
Spread
+0.280%Above
Fees
$1,794Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume67
Mix4.2%
Spread
-0.418%Below
Fees
$781Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume128
Mix8.1%
Spread
+0.021%Above
Fees
$614Credit
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume18
Mix1.1%
Spread
+0.136%Above
Fees
$2,055Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,392 | 87.8% | +0.133%Above | $1,649Fees | ||||
Refinance | 194 | 12.2% | +0.154%Above | $1,463Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,392
Mix87.8%
Spread
+0.133%Above
Fees
$1,649Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume194
Mix12.2%
Spread
+0.154%Above
Fees
$1,463Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,586
Applications
2,391
Volume
$559 million
Pricing & Closing
Avg Rate Spread
+0.136%
vs. market APOR
Avg Net Fees
$1,621
Origination − Credits
Pullthrough Rate
66.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$352,509
Avg Borrower Income
$168,393
Avg Property Value
$445,315
Geographic Coverage
Geographic Performance
Metro Areas
19
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
17Northeast2
NYPA
Midwest3
ILINOH
South11
DCDEFLGAKYMDNCSCTNVAWV
West1
CO
Top Metro Areas by Place Specialization Score
Volume 148Mix 9.33% of portfolio
100/100
Exceptional
Volume 114Mix 7.19% of portfolio
89/100
Exceptional
Volume 67Mix 4.22% of portfolio
83/100
Exceptional
Volume 49Mix 3.09% of portfolio
73/100
Strong
Volume 61Mix 3.85% of portfolio
71/100
Strong
Volume 111Mix 7.00% of portfolio
70/100
Strong
Volume 93Mix 5.86% of portfolio
69/100
Strong
Volume 36Mix 2.27% of portfolio
69/100
Strong
Volume 95Mix 5.99% of portfolio
68/100
Strong
Volume 100Mix 6.31% of portfolio
67/100
StrongShowing 10 of 19 metro areas
Top States by Place Specialization Score
1
West VirginiaState
Volume 565Mix 35.62% of portfolio
97/100
Exceptional2
OhioState
Volume 414Mix 26.10% of portfolio
75/100
Strong3
MarylandState
Volume 205Mix 12.93% of portfolio
71/100
Strong4
KentuckyState
Volume 144Mix 9.08% of portfolio
70/100
Strong5
PennsylvaniaState
Volume 108Mix 6.81% of portfolio
62/100
Strong6
VirginiaState
Volume 54Mix 3.40% of portfolio
55/100
Sound7
IndianaState
Volume 50Mix 3.15% of portfolio
53/100
Sound8
FloridaState
Volume 13Mix 0.82% of portfolio
34/100
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.
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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.