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CoreFirst Bank & Trust

BankTopeka, KSDirect

Corefirst Bank Trust has 51 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Sound
Conventional
Place
Strong
Regional · 1 mkts
Safe Rate AwardsConventional SuperstarRefinance Superstar

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Safe Rate's Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

CoreFirst Bank & Trust performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
+29.6 bps above market avg
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Sound
Exceptional
Strong
51100.0%
+0.296%Above
$674Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Acceptable
Strong
Sound
3262.7%
+0.351%Above
$588Fees
Refinance
Strong
Sound
Exceptional
Strong
1937.3%
+0.203%Above
$820Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
51
Applications
74
Volume
$9 million
Pricing & Closing
Avg Rate Spread
+0.296%
vs. market APOR
Avg Net Fees
$674
Origination − Credits
Pullthrough Rate
68.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$190,490
Avg Borrower Income
$110,137
Avg Property Value
$283,039

Geographic Coverage

Geographic Performance

Metro Areas
1
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

COKSMO

Top Metro Areas by Place Specialization Score

1
Topeka, KS, KSMSA
Volume: 44Mix: 86.27%of portfolio
Place
Strong

Top States by Place Specialization Score

1
KSState
Volume: 48Mix: 94.12%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.