Plains Commerce Bank's 11.6k closed loans and 19k applications, benchmarked 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
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo 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
Plains Commerce Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+27.8 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
6,712 loans · 0.26% above market
Exceptional
Top 10% of lenders
5/5
FHA
3,500 loans · 0.52% above market
Exceptional
Top 10% of lenders
5/5
VA
1,163 loans · 0.31% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
104 loans · 0.40% above market
Exceptional
Top 20% of lenders
5/5
USDA
131 loans · 0.04% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
10,754 loans · 0.30% above market
Exceptional
Top 10% of lenders
5/5
Refinance
856 loans · 0.09% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 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 | 6,712 | 57.8% | +0.261%Above | $3,159Fees | ||||
FHA Loans | 3,500 | 30.1% | +0.518%Above | $2,788Fees | ||||
VA Loans | 1,163 | 10.0% | -0.307%Below | $2,485Fees | ||||
Jumbo Loans | 104 | 0.9% | +0.404%Above | $2,681Fees | ||||
USDA Loans | 131 | 1.1% | -0.035%Below | $2,056Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume6,712
Mix57.8%
Spread
+0.261%Above
Fees
$3,159Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,500
Mix30.1%
Spread
+0.518%Above
Fees
$2,788Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,163
Mix10.0%
Spread
-0.307%Below
Fees
$2,485Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume104
Mix0.9%
Spread
+0.404%Above
Fees
$2,681Fees
USDA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume131
Mix1.1%
Spread
-0.035%Below
Fees
$2,056Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 10,754 | 92.6% | +0.296%Above | $2,981Fees | ||||
Refinance | 856 | 7.4% | +0.088%Above | $3,068Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume10,754
Mix92.6%
Spread
+0.296%Above
Fees
$2,981Fees
Refinance
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume856
Mix7.4%
Spread
+0.088%Above
Fees
$3,068Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
11,610
Applications
19,418
Volume
$4 billion
Pricing & Closing
Avg Rate Spread
+0.278%
vs. market APOR
Avg Net Fees
$2,989
Origination − Credits
Pullthrough Rate
59.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$359,820
Avg Borrower Income
$131,198
Avg Property Value
$434,491
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
50
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
50Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 48 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.