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Banterra Bank
Bank|Marion, IL|Multi-Region
Loans Originated
129
Applications
266
Volume
$54 million
Offers loans directly to consumers
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Pullthrough Rate
48.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pull through efficiency is below industry average
Report Card
Banterra Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 4 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$421,124
Average Borrower Income
$219,744
Average Property Value
$551,047
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Sound | 110 | 85.3% | — | — |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 19 | 14.7% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | N/A | Acceptable | 111 | 86.0% | — | — |
Refinance | Acceptable | Acceptable | N/A | Acceptable | 18 | 14.0% | — | — |
Geographic Coverage
Metro Areas
3
States Served
8
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZFLILINKYMOTNUT
Top Metro Areas by Place Specialization Score
1
Cape Girardeau, MO, MO-ILMSA
Volume: 20Mix: 15.50%
Place Specialization
Strong
2
Evansville, IN, INMSA
Volume: 12Mix: 9.30%
Place Specialization
Sound
3
Phoenix, AZMSA
Volume: 12Mix: 9.30%
Place Specialization
Sound
Top States by Place Specialization Score
1
ILState
Volume: 53Mix: 41.09%
Place Specialization
Strong
2
MOState
Volume: 22Mix: 17.05%
Place Specialization
Sound
3
UTState
Volume: 16Mix: 12.40%
Place Specialization
Sound
4
AZState
Volume: 14Mix: 10.85%
Place Specialization
Sound
5
INState
Volume: 13Mix: 10.08%
Place Specialization
Sound
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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