We analyzed every closed loan from CIBM Bank — 715 loans across 957 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
Sound
3/5
Near-National · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
CIBM Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+44.8 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
581 loans · 0.44% above market
Strong
Top 40% of lenders
4/5
FHA
97 loans · 0.65% above market
Strong
Top 40% of lenders
4/5
VA
23 loans · 0.08% above market
Sound
Top 60% of lenders
3/5
Jumbo
11 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
637 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
Refinance
78 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 14 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 | 581 | 81.3% | +0.439%Above | $1,491Fees | ||||
FHA Loans | 97 | 13.6% | +0.646%Above | $1,639Fees | ||||
VA Loans | 23 | 3.2% | +0.078%Above | $484Fees | ||||
Jumbo Loans | — | — | 11 | 1.5% | +0.265%Above | $451Credit |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume581
Mix81.3%
Spread
+0.439%Above
Fees
$1,491Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume97
Mix13.6%
Spread
+0.646%Above
Fees
$1,639Fees
VA Loans
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
Volume23
Mix3.2%
Spread
+0.078%Above
Fees
$484Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix1.5%
Spread
+0.265%Above
Fees
$451Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 637 | 89.1% | +0.455%Above | $1,501Fees | ||||
Refinance | 78 | 10.9% | +0.395%Above | $1,019Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume637
Mix89.1%
Spread
+0.455%Above
Fees
$1,501Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume78
Mix10.9%
Spread
+0.395%Above
Fees
$1,019Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
715
Applications
957
Volume
$231 million
Pricing & Closing
Avg Rate Spread
+0.448%
vs. market APOR
Avg Net Fees
$1,443
Origination − Credits
Pullthrough Rate
74.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$323,657
Avg Borrower Income
$149,017
Avg Property Value
$418,958
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
28Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast8
CTMEMANHNJNYPARI
Midwest7
IAILINMIMOOHWI
South9
DEFLGAKYNCOKSCTNTX
West4
AZCACOWA
Top Metro Areas by Place Specialization Score
Showing 10 of 13 metro areas
Top States by Place Specialization Score
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.