We analyzed every closed loan from Wilson Bank and Trust — 571 loans across 810 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Pricing may be below industry average
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Report Card
Wilson Bank and Trust performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 495 | 86.7% | +0.289%Above | $2,005Fees | ||||
FHA Loans | — | 19 | 3.3% | +0.775%Above | $610Fees | |||
Jumbo Loans | — | 46 | 8.1% | +0.236%Above | $3,009Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 464 | 81.3% | +0.310%Above | $2,089Fees | ||||
Refinance | 107 | 18.7% | +0.262%Above | $1,913Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
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)
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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