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Morton Community Bank

Bank•Morton, ILHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Morton Community Bank — 470 loans across 616 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate 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
Conventional
Place
Strong
4/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

Morton Community Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+45.2 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
469 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
385 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
Refinance
85 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume469
Mix99.8%
Spread
+0.451%Above
Fees
$683Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume385
Mix81.9%
Spread
+0.451%Above
Fees
$694Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume85
Mix18.1%
Spread
+0.454%Above
Fees
$634Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
470
Applications
616
Volume
$80 million
Pricing & Closing
Avg Rate Spread
+0.452%
vs. market APOR
Avg Net Fees
$683
Origination − Credits
Pullthrough Rate
76.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$171,809
Avg Borrower Income
$113,877
Avg Property Value
$234,426

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

7Full-year 2024 · HMDA
7 states with loan originations
Loans originated
All statesNone
Midwest4
IAILINMO
South3
FLKYTN

Top Metro Areas by Place Specialization Score

1© MagentaGreen · CC BY-SA 2.5
Peoria, ILMetro
Volume 211Mix 44.89% of portfolio
85/100
Exceptional
2© Matt Turner · CC BY 2.0
Springfield, ILMetro
Volume 53Mix 11.28% of portfolio
68/100
Strong
3© Yahala · CC BY-SA 3.0
Bloomington, ILMetro
Volume 50Mix 10.64% of portfolio
66/100
Strong
4© NorthernMagnolia · CC BY-SA 3.0
Champaign, ILMetro
Volume 21Mix 4.47% of portfolio
57/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 455Mix 96.81% of portfolio
82/100
Exceptional

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
Champion(80%+ = 40-50 points)
Superstar
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.