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Bankers Trust Company

Bank•Des Moines, IAHQ•Direct•Reviews near you on Google

Bankers Trust Company has 163 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 39.50 basis points below market average
  • Lower than average lender fees

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Report Card

Bankers Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 39.5 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume143
Mix87.7%
Spread
-0.494%Below
Fees
$601Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume20
Mix12.3%
Spread
+0.235%Above
Fees
$817Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume150
Mix92.0%
Spread
-0.395%Below
Fees
$651Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
Volume13
Mix8.0%
Spread
-0.401%Below
Fees
$442Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
163
Applications
250
Volume
$72 million
Pricing & Closing
Avg Rate Spread
-0.395%
vs. market APOR
Avg Net Fees
$630
Origination − Credits
Pullthrough Rate
65.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$445,061
Avg Borrower Income
$224,012
Avg Property Value
$588,006

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest4
IAMNMONE
South1
FL
West1
AZ

Top Metro Areas by Place Specialization Score

1© Phil Roeder from Des Moines, IA, USA · CC BY 2.0
Des Moines, IAMetro
Volume 70Mix 42.94% of portfolio
70/100
Strong
2© Ron Reiring · CC BY 2.0
Ames, IAMetro
Volume 26Mix 15.95% of portfolio
66/100
Strong
3© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 33Mix 20.25% of portfolio
56/100
Sound
4© ABreiholz · CC BY-SA 3.0
Cedar Rapids, IAMetro
Volume 14Mix 8.59% of portfolio
50/100
Sound

Top States by Place Specialization Score

Iowa
Iowa
1
IowaState
Volume 121Mix 74.23% of portfolio
70/100
Strong
Arizona
Arizona
2
ArizonaState
Volume 38Mix 23.31% of portfolio
57/100
Sound

How 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.