Chambers Bank has 208 closed loans in our dataset — fully analyzed and benchmarked against peers 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
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in VA and USDA loans
Explore another lender or local market
Report Card
Chambers Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+1.1 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
124 loans · 0.11% above market
Sound
Top 60% of lenders
3/5
FHA
21 loans · 0.29% above market
Sound
Top 60% of lenders
3/5
VA
50 loans · 0.41% below market
Strong
Top 40% of lenders
4/5
USDA
12 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
179 loans · 0.00% below market
Sound
Top 60% of lenders
3/5
Refinance
29 loans · 0.14% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 124 | 59.6% | +0.111%Above | $2,455Fees | ||||
FHA Loans | 21 | 10.1% | +0.294%Above | $1,677Fees | ||||
VA Loans | 50 | 24.0% | -0.414%Below | $2,277Fees | ||||
USDA Loans | — | — | 12 | 5.8% | +0.120%Above | $2,090Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume124
Mix59.6%
Spread
+0.111%Above
Fees
$2,455Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume21
Mix10.1%
Spread
+0.294%Above
Fees
$1,677Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume50
Mix24.0%
Spread
-0.414%Below
Fees
$2,277Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume12
Mix5.8%
Spread
+0.120%Above
Fees
$2,090Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 179 | 86.1% | -0.004%Below | $2,231Fees | ||||
Refinance | — | 29 | 13.9% | +0.142%Above | $2,799Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume179
Mix86.1%
Spread
-0.004%Below
Fees
$2,231Fees
Refinance
OverallSound
ProductAcceptable
Pricing—
Pull ThroughSound
Volume29
Mix13.9%
Spread
+0.142%Above
Fees
$2,799Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
208
Applications
277
Volume
$51 million
Pricing & Closing
Avg Rate Spread
+0.011%
vs. market APOR
Avg Net Fees
$2,289
Origination − Credits
Pullthrough Rate
75.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$247,452
Avg Borrower Income
$141,750
Avg Property Value
$318,365
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
All statesNone
Midwest2
MONE
South6
ARFLOKTNTXWV
West1
UT
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.