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Stillman BancCorp

Bank•Stillman Valley, ILHQ•Direct•Reviews near you on Google

Stillman BancCorp has 164 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Exceptional
5/5
Multi-Region · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Explore another lender or local market

Report Card

Stillman BancCorp performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+20.1 bps above market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
162 loans · 0.20% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
108 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
Refinance
56 loans · 0.18% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume162
Mix98.8%
Spread
+0.201%Above
Fees
$670Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume108
Mix65.9%
Spread
+0.212%Above
Fees
$688Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume56
Mix34.1%
Spread
+0.180%Above
Fees
$638Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
164
Applications
208
Volume
$28 million
Pricing & Closing
Avg Rate Spread
+0.201%
vs. market APOR
Avg Net Fees
$670
Origination − Credits
Pullthrough Rate
78.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$174,573
Avg Borrower Income
$131,049
Avg Property Value
$264,878

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 · HMDA
7 states with loan originations
Loans originated
All statesNone
Midwest3
IAILWI
South4
FLKYOKTN

Top Metro Areas by Place Specialization Score

1© Ben Jacobson (Kranar Drogin) · CC BY 2.5
Rockford, ILMetro
Volume 94Mix 57.32% of portfolio
82/100
Exceptional

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 151Mix 92.07% of portfolio
73/100
Strong

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.