We analyzed every closed loan from Charter West Bank — 1.5k 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 · USDA
Place
Exceptional
5/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
Charter West Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+32.6 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
835 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
FHA
516 loans · 0.48% above market
Exceptional
Top 20% of lenders
5/5
VA
124 loans · 0.42% below market
Strong
Top 40% of lenders
4/5
USDA
23 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,392 loans · 0.31% above market
Exceptional
Top 20% of lenders
5/5
Refinance
106 loans · 0.50% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Exceptional
Top 20% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 835 | 55.7% | +0.375%Above | $1,511Fees | ||||
FHA Loans | 516 | 34.4% | +0.480%Above | $1,376Fees | ||||
VA Loans | 124 | 8.3% | -0.425%Below | $1,285Fees | ||||
USDA Loans | — | 23 | 1.5% | -0.076%Below | $1,539Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume835
Mix55.7%
Spread
+0.375%Above
Fees
$1,511Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume516
Mix34.4%
Spread
+0.480%Above
Fees
$1,376Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume124
Mix8.3%
Spread
-0.425%Below
Fees
$1,285Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume23
Mix1.5%
Spread
-0.076%Below
Fees
$1,539Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,392 | 92.9% | +0.308%Above | $1,442Fees | ||||
Refinance | 106 | 7.1% | +0.500%Above | $1,606Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,392
Mix92.9%
Spread
+0.308%Above
Fees
$1,442Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume106
Mix7.1%
Spread
+0.500%Above
Fees
$1,606Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,498
Applications
2,139
Volume
$367 million
Pricing & Closing
Avg Rate Spread
+0.326%
vs. market APOR
Avg Net Fees
$1,457
Origination − Credits
Pullthrough Rate
70.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$245,154
Avg Borrower Income
$101,771
Avg Property Value
$285,741
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
14Full-year 2024 · HMDALoans originated
< 100100+None
Midwest7
IAKSMNMONESDWI
South4
ARFLMSTX
West3
AZCOOR
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.