Intrust Bank has 146 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
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
Conventional · VA
Place
Exceptional
5/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 16.30 basis points below market average
- Lower than average lender fees
- Strong pull through performance
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Report Card
Intrust Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 16.3 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
133 loans · 0.12% below market
Sound
Top 60% of lenders
3/5
VA
11 loans · 0.73% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
133 loans · 0.18% below market
Sound
Top 60% of lenders
3/5
Refinance
13 loans · 0.01% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Exceptional
Top 20% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 133 | 91.1% | -0.119%Below | $1,054Fees | ||||
VA Loans | — | — | 11 | 7.5% | -0.733%Below | $80Fees |
Conventional
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume133
Mix91.1%
Spread
-0.119%Below
Fees
$1,054Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix7.5%
Spread
-0.733%Below
Fees
$80Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 133 | 91.1% | -0.179%Below | $992Fees | ||||
Refinance | — | 13 | 8.9% | -0.007%Below | $899Fees |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume133
Mix91.1%
Spread
-0.179%Below
Fees
$992Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume13
Mix8.9%
Spread
-0.007%Below
Fees
$899Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
146
Applications
209
Volume
$34 million
Pricing & Closing
Avg Rate Spread
-0.163%
vs. market APOR
Avg Net Fees
$983
Origination − Credits
Pullthrough Rate
69.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$237,671
Avg Borrower Income
$139,692
Avg Property Value
$342,397
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
< 100100+None
Midwest1
KS
South2
AROK
Top Metro Areas 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.