We analyzed every closed loan from Johnson Bank — 1.8k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
Purchase
Champion
Refinance
Champion
Jumbo
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 Jumbo loans
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Report Card
Johnson Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+3.1 bps above market avg
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,722 loans · 0.03% above market
Exceptional
Top 20% of lenders
5/5
VA
14 loans · 0.31% below market
Sound
Top 60% of lenders
3/5
Jumbo
71 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,499 loans · 0.05% above market
Exceptional
Top 20% of lenders
5/5
Refinance
308 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 14 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 | 1,722 | 95.3% | +0.026%Above | $519Fees | ||||
VA Loans | — | — | 14 | 0.8% | -0.306%Below | $475Fees | ||
Jumbo Loans | 71 | 3.9% | +0.470%Above | $658Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume1,722
Mix95.3%
Spread
+0.026%Above
Fees
$519Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume14
Mix0.8%
Spread
-0.306%Below
Fees
$475Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume71
Mix3.9%
Spread
+0.470%Above
Fees
$658Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,499 | 83.0% | +0.052%Above | $636Fees | ||||
Refinance | 308 | 17.0% | -0.051%Below | $58Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,499
Mix83.0%
Spread
+0.052%Above
Fees
$636Fees
Refinance
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume308
Mix17.0%
Spread
-0.051%Below
Fees
$58Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,807
Applications
2,206
Volume
$675 million
Pricing & Closing
Avg Rate Spread
+0.031%
vs. market APOR
Avg Net Fees
$521
Origination − Credits
Pullthrough Rate
81.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$373,965
Avg Borrower Income
$178,010
Avg Property Value
$506,793
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
20Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Midwest8
IAILINMIMNMOOHWI
South9
ARFLGAKYMSNCSCTNTX
West3
AZCOMT
Top Metro Areas by Place Specialization Score
Showing 10 of 13 metro areas
Top States 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.