We analyzed every closed loan from Magnolia Bank — 3.5k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Magnolia Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+28.4 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,504 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
FHA
613 loans · 0.56% above market
Strong
Top 40% of lenders
4/5
VA
1,096 loans · 0.32% below market
Exceptional
Top 20% of lenders
5/5
USDA
233 loans · 0.34% above market
Exceptional
Top 10% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,275 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
Refinance
1,176 loans · 0.04% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 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 | 1,504 | 43.6% | +0.294%Above | $2,598Fees | ||||
FHA Loans | 613 | 17.8% | +0.559%Above | $2,565Fees | ||||
VA Loans | 1,096 | 31.8% | -0.317%Below | $4,083Fees | ||||
USDA Loans | 233 | 6.8% | +0.336%Above | $1,865Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,504
Mix43.6%
Spread
+0.294%Above
Fees
$2,598Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume613
Mix17.8%
Spread
+0.559%Above
Fees
$2,565Fees
VA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,096
Mix31.8%
Spread
-0.317%Below
Fees
$4,083Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume233
Mix6.8%
Spread
+0.336%Above
Fees
$1,865Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,275 | 65.9% | +0.328%Above | $2,506Fees | ||||
Refinance | 1,176 | 34.1% | +0.045%Above | $3,932Fees |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume2,275
Mix65.9%
Spread
+0.328%Above
Fees
$2,506Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,176
Mix34.1%
Spread
+0.045%Above
Fees
$3,932Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,451
Applications
4,547
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.284%
vs. market APOR
Avg Net Fees
$2,725
Origination − Credits
Pullthrough Rate
75.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$298,153
Avg Borrower Income
$107,313
Avg Property Value
$368,506
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
49
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
49Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South16
ALARDCDEFLGAKYLAMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 37 states
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.