MidWestOne Bank has 369 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
Exceptional
5/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
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Report Card
MidWestOne Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+3.1 bps above market avg
4/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
355 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
Jumbo
11 loans · 0.07% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
310 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
Refinance
59 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 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 | 355 | 96.2% | +0.031%Above | $1,104Fees | ||||
Jumbo Loans | — | — | 11 | 3.0% | -0.073%Below | $2,596Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume355
Mix96.2%
Spread
+0.031%Above
Fees
$1,104Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix3.0%
Spread
-0.073%Below
Fees
$2,596Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 310 | 84.0% | +0.026%Above | $1,095Fees | ||||
Refinance | 59 | 16.0% | +0.060%Above | $1,269Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume310
Mix84.0%
Spread
+0.026%Above
Fees
$1,095Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume59
Mix16.0%
Spread
+0.060%Above
Fees
$1,269Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
369
Applications
467
Volume
$99 million
Pricing & Closing
Avg Rate Spread
+0.031%
vs. market APOR
Avg Net Fees
$1,123
Origination − Credits
Pullthrough Rate
79.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$268,388
Avg Borrower Income
$152,236
Avg Property Value
$385,082
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 5050+None
Midwest5
IAILMNMOWI
South3
ALFLTN
West2
AZCO
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.