We analyzed every closed loan from NBH Bank — 1.1k 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
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
NBH Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+27.8 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
639 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
FHA
229 loans · 0.37% above market
Strong
Top 40% of lenders
4/5
VA
138 loans · 0.38% below market
Strong
Top 40% of lenders
4/5
Jumbo
42 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
USDA
10 loans · 0.39% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
955 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
Refinance
103 loans · 0.33% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 9 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 | 639 | 60.4% | +0.332%Above | $1,559Fees | ||||
FHA Loans | 229 | 21.6% | +0.366%Above | $1,134Fees | ||||
VA Loans | 138 | 13.0% | -0.383%Below | $1,627Fees | ||||
Jumbo Loans | — | 42 | 4.0% | +0.460%Above | $1,465Fees | |||
USDA Loans | — | — | 10 | 0.9% | +0.394%Above | $496Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume639
Mix60.4%
Spread
+0.332%Above
Fees
$1,559Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume229
Mix21.6%
Spread
+0.366%Above
Fees
$1,134Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume138
Mix13.0%
Spread
-0.383%Below
Fees
$1,627Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume42
Mix4.0%
Spread
+0.460%Above
Fees
$1,465Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix0.9%
Spread
+0.394%Above
Fees
$496Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 955 | 90.3% | +0.271%Above | $1,411Fees | ||||
Refinance | 103 | 9.7% | +0.328%Above | $1,876Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume955
Mix90.3%
Spread
+0.271%Above
Fees
$1,411Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume103
Mix9.7%
Spread
+0.328%Above
Fees
$1,876Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,058
Applications
1,503
Volume
$394 million
Pricing & Closing
Avg Rate Spread
+0.278%
vs. market APOR
Avg Net Fees
$1,475
Origination − Credits
Pullthrough Rate
70.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$373,138
Avg Borrower Income
$153,027
Avg Property Value
$519,064
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
33
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
33Full-year 2024 · HMDALoans originated
< 2020–100100+None
Northeast4
CTMANHNY
Midwest6
ILKSMNMONEOH
South13
ALARFLGAKYLANCOKSCTNTXVAWV
West10
AZCACOIDMTNMORUTWAWY
Top Metro Areas by Place Specialization Score
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.