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Beehive

Credit UnionRexburg, IDHQDirectReviews near you on Google

Beehive has 88 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Beehive performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 3.2 bps below market avg
3/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
87 loans · 0.03% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
54 loans · 0.14% below market
Acceptable
Bottom 40% of lenders
2/5
Refinance
34 loans · 0.17% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume87
Mix98.9%
Spread
-0.030%Below
Fees
$3,535Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Acceptable
Volume54
Mix61.4%
Spread
-0.145%Below
Fees
$4,116Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume34
Mix38.6%
Spread
+0.169%Above
Fees
$2,514Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
88
Applications
204
Volume
$24 million
Pricing & Closing
Avg Rate Spread
-0.032%
vs. market APOR
Avg Net Fees
$3,542
Origination − Credits
Pullthrough Rate
43.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$278,864
Avg Borrower Income
$124,205
Avg Property Value
$477,614

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5Full-year 2024 · HMDA
5 states with loan originations
Loans originated
All statesNone
West5
AZIDMTUTWY

Top Metro Areas by Place Specialization Score

Volume 29Mix 32.95% of portfolio
68/100
Strong

Top States by Place Specialization Score

Idaho
Idaho
1
IdahoState
Volume 78Mix 88.64% of portfolio
68/100
Strong

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
Champion(80%+ = 40-50 points)
Superstar
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.