RiverHills Bank has 265 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
Strong
4/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Exceptional
5/5
Multi-Region · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
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
RiverHills Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+26.2 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
217 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
FHA
33 loans · 0.57% above market
Sound
Top 60% of lenders
3/5
VA
12 loans · 0.14% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
236 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
Refinance
29 loans · 0.18% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 1 markets
Exceptional
Top 20% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 217 | 81.9% | +0.247%Above | $1,393Fees | ||||
FHA Loans | 33 | 12.5% | +0.569%Above | $1,636Fees | ||||
VA Loans | — | — | 12 | 4.5% | -0.137%Below | $1,268Fees |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume217
Mix81.9%
Spread
+0.247%Above
Fees
$1,393Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume33
Mix12.5%
Spread
+0.569%Above
Fees
$1,636Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume12
Mix4.5%
Spread
-0.137%Below
Fees
$1,268Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 236 | 89.1% | +0.274%Above | $1,486Fees | ||||
Refinance | 29 | 10.9% | +0.179%Above | $899Fees |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume236
Mix89.1%
Spread
+0.274%Above
Fees
$1,486Fees
Refinance
OverallSound
ProductAcceptable
PricingStrong
Pull ThroughSound
Volume29
Mix10.9%
Spread
+0.179%Above
Fees
$899Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
265
Applications
366
Volume
$68 million
Pricing & Closing
Avg Rate Spread
+0.262%
vs. market APOR
Avg Net Fees
$1,414
Origination − Credits
Pullthrough Rate
72.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$260,358
Avg Borrower Income
$116,313
Avg Property Value
$315,528
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 5050+None
Midwest2
INOH
South5
FLKYNCTNVA
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.