We analyzed every closed loan from Horizon Bank — 767 loans across 1k 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
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 10 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Explore another lender or local market
Report Card
Horizon Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+41.4 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
680 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
FHA
50 loans · 0.48% above market
Sound
Top 60% of lenders
3/5
Jumbo
32 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
636 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
Refinance
131 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 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 | 680 | 88.7% | +0.414%Above | $1,620Fees | ||||
FHA Loans | 50 | 6.5% | +0.485%Above | $1,649Fees | ||||
Jumbo Loans | — | 32 | 4.2% | +0.296%Above | $1,147Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume680
Mix88.7%
Spread
+0.414%Above
Fees
$1,620Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume50
Mix6.5%
Spread
+0.485%Above
Fees
$1,649Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume32
Mix4.2%
Spread
+0.296%Above
Fees
$1,147Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 636 | 82.9% | +0.407%Above | $1,617Fees | ||||
Refinance | 131 | 17.1% | +0.445%Above | $1,527Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume636
Mix82.9%
Spread
+0.407%Above
Fees
$1,617Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume131
Mix17.1%
Spread
+0.445%Above
Fees
$1,527Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
767
Applications
1,077
Volume
$216 million
Pricing & Closing
Avg Rate Spread
+0.414%
vs. market APOR
Avg Net Fees
$1,601
Origination − Credits
Pullthrough Rate
71.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$282,249
Avg Borrower Income
$149,381
Avg Property Value
$386,838
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 200200+None
Midwest6
IAILINMIMOOH
South5
ALFLGAKYTN
West2
AZCO
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.