What loan types does Timberland Bank offer?

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

Where does Timberland Bank offer mortgages?

Timberland Bank offers mortgages in 3 states: AZ, OR, WA.

How competitive are Timberland Bank's mortgage rates?

Timberland Bank has an overall pricing score of 39.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Timberland Bank?

Timberland Bank is a Bank headquartered in Hoquiam, WA.

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Timberland Bank

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Timberland Bank has 145 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

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Timberland Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+19.3 bps above market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

130 loans · 0.19% above market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

15 loans

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

126 loans · 0.30% above market

Sound

Top 60% of lenders

3/5

Refinance

19 loans · 0.11% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	130	89.7%	+0.193%Above	$1,927Fees
Jumbo Loans	Sound	Strong	—	Sound	15	10.3%	—	—

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume130

Mix89.7%

Spread

+0.193%Above

Fees

$1,927Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume15

Mix10.3%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	—	Acceptable	126	86.9%	+0.296%Above	$2,006Fees
Refinance	Acceptable	Acceptable	—	Sound	19	13.1%	+0.108%Above	$1,861Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume126

Mix86.9%

Spread

+0.296%Above

Fees

$2,006Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume19

Mix13.1%

Spread

+0.108%Above

Fees

$1,861Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

145

Applications

244

Volume

$76 million

Pricing & Closing

Avg Rate Spread

+0.193%

vs. market APOR

Avg Net Fees

$1,927

Origination − Credits

Pullthrough Rate

59.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$527,828

Avg Borrower Income

$265,083

Avg Property Value

$903,966

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 100100+None

West3

AZORWA

Top Metro Areas by Place Specialization Score

Tacoma, WAMetro

Volume 37Mix 25.52% of portfolio

68/100

Strong

Bremerton, WAMetro

Volume 14Mix 9.66% of portfolio

53/100

Sound

Olympia, WAMetro

Volume 12Mix 8.28% of portfolio

50/100

Sound

Top States by Place Specialization Score

WashingtonState

Volume 143Mix 98.62% of portfolio

75/100

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(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.