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Bank of Hillsboro, National Association

BankHillsboro, ILDirect to Consumer

Bank of Hillsboro National Association has 105 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Acceptable
Conventional
Place
Strong
Regional · 1 mkts

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Safe Rate's Summary

What They Do Well

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

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Bank of Hillsboro, National Association performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
+10.9 bps above market avg
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Acceptable
Exceptional
Acceptable
105100.0%
+0.109%Above
$624Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Acceptable
Exceptional
Acceptable
8076.2%
+0.121%Above
$645Fees
Refinance
Sound
Acceptable
Exceptional
Sound
2523.8%
+0.072%Above
$563Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
105
Applications
178
Volume
$17 million
Pricing & Closing
Avg Rate Spread
+0.109%
vs. market APOR
Avg Net Fees
$624
Origination − Credits
Pullthrough Rate
59.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$166,524
Avg Borrower Income
$93,876
Avg Property Value
$218,524

Geographic Coverage

Geographic Performance

Metro Areas
1
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

ILMO

Top Metro Areas by Place Specialization Score

1
St. Louis, MO, MO-ILMSA
Volume: 67Mix: 63.81%of portfolio
Place
Strong

Top States by Place Specialization Score

1
ILState
Volume: 103Mix: 98.10%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.