We analyzed every closed loan from Great Southern Bank — 658 loans across 884 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
Great Southern Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+8.8 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
536 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
FHA
57 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
VA
34 loans · 0.35% below market
Strong
Top 40% of lenders
4/5
USDA
22 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
557 loans · 0.08% above market
Strong
Top 40% of lenders
4/5
Refinance
101 loans · 0.12% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 536 | 81.5% | +0.098%Above | $1,088Fees | ||||
FHA Loans | 57 | 8.7% | +0.167%Above | $1,039Fees | ||||
VA Loans | 34 | 5.2% | -0.354%Below | $521Fees | ||||
USDA Loans | — | 22 | 3.3% | +0.315%Above | $1,160Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume536
Mix81.5%
Spread
+0.098%Above
Fees
$1,088Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume57
Mix8.7%
Spread
+0.167%Above
Fees
$1,039Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume34
Mix5.2%
Spread
-0.354%Below
Fees
$521Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume22
Mix3.3%
Spread
+0.315%Above
Fees
$1,160Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 557 | 84.7% | +0.082%Above | $1,078Fees | ||||
Refinance | 101 | 15.3% | +0.122%Above | $952Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume557
Mix84.7%
Spread
+0.082%Above
Fees
$1,078Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume101
Mix15.3%
Spread
+0.122%Above
Fees
$952Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
658
Applications
884
Volume
$170 million
Pricing & Closing
Avg Rate Spread
+0.088%
vs. market APOR
Avg Net Fees
$1,057
Origination − Credits
Pullthrough Rate
74.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$259,331
Avg Borrower Income
$137,992
Avg Property Value
$370,000
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
22
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
22Full-year 2024 · HMDALoans originated
< 1010–2020–100100+None
Northeast3
CTMENH
Midwest7
IAILKSMNMONEOH
South8
ARFLKYLANCOKTNTX
West4
COHINMWA
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.