Hawthorn Bank has 187 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
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
Explore another lender or local market
Report Card
Hawthorn Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+7.0 bps above market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
139 loans · 0.14% above market
Sound
Top 60% of lenders
3/5
FHA
27 loans · 0.09% above market
Sound
Top 60% of lenders
3/5
VA
13 loans · 0.68% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
148 loans · 0.06% above market
Sound
Top 60% of lenders
3/5
Refinance
39 loans · 0.10% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 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 | 139 | 74.3% | +0.141%Above | $1,067Fees | ||||
FHA Loans | 27 | 14.4% | +0.094%Above | $876Fees | ||||
VA Loans | — | — | 13 | 7.0% | -0.683%Below | $1,423Fees |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume139
Mix74.3%
Spread
+0.141%Above
Fees
$1,067Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume27
Mix14.4%
Spread
+0.094%Above
Fees
$876Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume13
Mix7.0%
Spread
-0.683%Below
Fees
$1,423Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 148 | 79.1% | +0.062%Above | $1,046Fees | ||||
Refinance | 39 | 20.9% | +0.098%Above | $1,112Fees |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume148
Mix79.1%
Spread
+0.062%Above
Fees
$1,046Fees
Refinance
OverallStrong
ProductSound
PricingStrong
Pull ThroughSound
Volume39
Mix20.9%
Spread
+0.098%Above
Fees
$1,112Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
187
Applications
287
Volume
$51 million
Pricing & Closing
Avg Rate Spread
+0.070%
vs. market APOR
Avg Net Fees
$1,060
Origination − Credits
Pullthrough Rate
65.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$272,861
Avg Borrower Income
$124,171
Avg Property Value
$373,663
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Full-year 2024 · HMDALoans originated
All statesNone
Midwest4
IAKSMIMO
South3
FLTXVA
West1
CO
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.