B
Unclaimed

Baker-Boyer National Bank

Bank•Walla Walla, WA•Direct

Baker Boyer National Bank has 16 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Acceptable
Conventional
Place
Strong
Single State · 1 mkts

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Safe Rate's Summary

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Baker-Boyer National Bank performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+7.1 bps above market avg
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Single State1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Acceptable
Sound
Sound
16100.0%
+0.071%Above
$1,887Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Acceptable
—
Sound
1593.8%
+0.129%Above
$2,014Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
16
Applications
28
Volume
$6 million
Pricing & Closing
Avg Rate Spread
+0.071%
vs. market APOR
Avg Net Fees
$1,887
Origination − Credits
Pullthrough Rate
57.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$428,125
Avg Borrower Income
$181,938
Avg Property Value
$741,875

Geographic Coverage

Geographic Performance

Metro Areas
1
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

WA

Top Metro Areas by Place Specialization Score

1
Walla Walla, WA, WAMSA
Volume: 15Mix: 93.75%of portfolio
Place
Strong

Top States by Place Specialization Score

1
WAState
Volume: 16Mix: 100.00%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.