We analyzed every closed loan from Banner Bank — 994 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
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Regional · 18 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Banner Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+17.8 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
780 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
FHA
110 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
VA
37 loans · 0.50% below market
Strong
Top 40% of lenders
4/5
Jumbo
64 loans · 0.66% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
836 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
Refinance
158 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 19 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 780 | 78.5% | +0.231%Above | $3,317Fees | ||||
FHA Loans | 110 | 11.1% | +0.056%Above | $3,148Fees | ||||
VA Loans | 37 | 3.7% | -0.497%Below | $3,672Fees | ||||
Jumbo Loans | — | 64 | 6.4% | +0.662%Above | $3,629Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume780
Mix78.5%
Spread
+0.231%Above
Fees
$3,317Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume110
Mix11.1%
Spread
+0.056%Above
Fees
$3,148Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume37
Mix3.7%
Spread
-0.497%Below
Fees
$3,672Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume64
Mix6.4%
Spread
+0.662%Above
Fees
$3,629Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 836 | 84.1% | +0.139%Above | $3,305Fees | ||||
Refinance | 158 | 15.9% | +0.299%Above | $3,349Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume836
Mix84.1%
Spread
+0.139%Above
Fees
$3,305Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume158
Mix15.9%
Spread
+0.299%Above
Fees
$3,349Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
994
Applications
1,787
Volume
$459 million
Pricing & Closing
Avg Rate Spread
+0.178%
vs. market APOR
Avg Net Fees
$3,315
Origination − Credits
Pullthrough Rate
55.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$462,586
Avg Borrower Income
$177,911
Avg Property Value
$686,539
Geographic Coverage
Geographic Performance
Metro Areas
18
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
West4
CAIDORWA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.