What loan types does Think Mutual Bank offer?

Think Mutual Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Think Mutual Bank offer mortgages?

Think Mutual Bank offers mortgages in 9 states: FL, IA, IL, IN, KS, MN, MO, NE, WI.

How competitive are Think Mutual Bank's mortgage rates?

Think Mutual Bank has an overall pricing score of 67/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Think Mutual Bank?

Think Mutual Bank is a Bank headquartered in Rochester, MN.

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Think Mutual Bank

Bank•Rochester, MNHQ•Direct•Reviews near you on Google

Think Mutual Bank has 367 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

Strong

4/5

Conventional · Jumbo

Place

Exceptional

5/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 9.00 basis points below market average
Lower than average lender fees
Strong pull through performance
Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Think Mutual Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 9.0 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

336 loans · 0.07% below market

Strong

Top 40% of lenders

4/5

Jumbo

31 loans · 0.42% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

326 loans · 0.09% below market

Strong

Top 40% of lenders

4/5

Refinance

41 loans · 0.08% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 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	Strong	Strong	Strong	Strong	336	91.6%	-0.070%Below	$1,912Fees
Jumbo Loans	Strong	Strong	—	Strong	31	8.4%	-0.420%Below	$1,788Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume336

Mix91.6%

Spread

-0.070%Below

Fees

$1,912Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume31

Mix8.4%

Spread

-0.420%Below

Fees

$1,788Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Strong	326	88.8%	-0.091%Below	$1,986Fees
Refinance	Strong	Sound	Strong	Sound	41	11.2%	-0.080%Below	$1,241Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume326

Mix88.8%

Spread

-0.091%Below

Fees

$1,986Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume41

Mix11.2%

Spread

-0.080%Below

Fees

$1,241Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

367

Applications

471

Volume

$143 million

Pricing & Closing

Avg Rate Spread

-0.090%

vs. market APOR

Avg Net Fees

$1,905

Origination − Credits

Pullthrough Rate

77.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$391,567

Avg Borrower Income

$200,499

Avg Property Value

$510,204

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

9Full-year 2024 · HMDA

Loans originated

< 1010+None

Midwest8

IAILINKSMNMONEWI

South1

Top Metro Areas by Place Specialization Score

Rochester, MNMetro

Volume 229Mix 62.40% of portfolio

100/100

Exceptional

Minneapolis, MN-WIMetro

Volume 64Mix 17.44% of portfolio

62/100

Strong

Top States by Place Specialization Score

MinnesotaState

Volume 333Mix 90.74% of portfolio

80/100

Strong

WisconsinState

Volume 12Mix 3.27% of portfolio

42/100

Sound

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.