We analyzed every closed loan from Associated Bank — 2.8k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 20 mkts
Awards
Conventional
Champion
Purchase
Champion
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 3.20 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
Associated Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 3.2 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 21 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,499 | 87.7% | -0.053%Below | $680Fees | ||||
FHA Loans | 149 | 5.2% | +0.372%Above | $1,338Credit | ||||
VA Loans | 30 | 1.1% | -0.209%Below | $91Credit | ||||
Jumbo Loans | 170 | 6.0% | -0.133%Below | $431Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume2,499
Mix87.7%
Spread
-0.053%Below
Fees
$680Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume149
Mix5.2%
Spread
+0.372%Above
Fees
$1,338Credit
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume30
Mix1.1%
Spread
-0.209%Below
Fees
$91Credit
Jumbo Loans
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughSound
Volume170
Mix6.0%
Spread
-0.133%Below
Fees
$431Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,538 | 89.1% | -0.040%Below | $521Fees | ||||
Refinance | 310 | 10.9% | +0.031%Above | $838Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume2,538
Mix89.1%
Spread
-0.040%Below
Fees
$521Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume310
Mix10.9%
Spread
+0.031%Above
Fees
$838Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,848
Applications
3,977
Volume
$938 million
Pricing & Closing
Avg Rate Spread
-0.032%
vs. market APOR
Avg Net Fees
$556
Origination − Credits
Pullthrough Rate
71.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$329,382
Avg Borrower Income
$155,252
Avg Property Value
$435,214
Geographic Coverage
Geographic Performance
Metro Areas
20
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Midwest9
IAILINKSMIMNMOOHWI
South1
FL
West1
AZ
Top Metro Areas by Place Specialization Score
Volume 251Mix 8.81% of portfolio
96/100
Exceptional
Volume 569Mix 19.98% of portfolio
90/100
Exceptional
Volume 65Mix 2.28% of portfolio
81/100
Exceptional
Volume 81Mix 2.84% of portfolio
75/100
Strong
Volume 305Mix 10.71% of portfolio
74/100
Strong
Volume 53Mix 1.86% of portfolio
74/100
Strong
Volume 273Mix 9.59% of portfolio
73/100
Strong
Volume 97Mix 3.41% of portfolio
73/100
Strong
Volume 71Mix 2.49% of portfolio
73/100
Strong
Volume 54Mix 1.90% of portfolio
71/100
StrongShowing 10 of 20 metro areas
Top States by Place Specialization Score
1
WisconsinState
Volume 2,002Mix 70.29% of portfolio
97/100
Exceptional2
IllinoisState
Volume 484Mix 16.99% of portfolio
78/100
Strong3
MinnesotaState
Volume 219Mix 7.69% of portfolio
69/100
Strong4
MissouriState
Volume 82Mix 2.88% of portfolio
57/100
Sound5
MichiganState
Volume 22Mix 0.77% of portfolio
43/100
Sound6
FloridaState
Volume 19Mix 0.67% of portfolio
37/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.