What loan types does Chambers Bank offer?

Chambers Bank offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Chambers Bank offer mortgages?

Chambers Bank offers mortgages in 9 states: AR, FL, MO, NE, OK, TN, TX, UT, WV.

How competitive are Chambers Bank's mortgage rates?

Chambers Bank has an overall pricing score of 56.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Chambers Bank?

Chambers Bank is a Bank headquartered in Danville, AR.

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Chambers Bank

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Chambers Bank has 208 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · USDA

Place

Strong

4/5

Multi-Region · 3 mkts

Awards

FHA

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in VA and USDA loans

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Report Card

Chambers Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+1.1 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

Strong

Top 40% of lenders

USDA

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 · 4 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	124	59.6%	+0.111%Above	$2,455Fees
FHA Loans	Strong	Sound	Strong	Strong	21	10.1%	+0.294%Above	$1,677Fees
VA Loans	Strong	Strong	Sound	Exceptional	50	24.0%	-0.414%Below	$2,277Fees
USDA Loans	Strong	Strong	—	—	12	5.8%	+0.120%Above	$2,090Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume124

Mix59.6%

Spread

+0.111%Above

Fees

$2,455Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume21

Mix10.1%

Spread

+0.294%Above

Fees

$1,677Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Exceptional

Volume50

Mix24.0%

Spread

-0.414%Below

Fees

$2,277Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume12

Mix5.8%

Spread

+0.120%Above

Fees

$2,090Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	179	86.1%	-0.004%Below	$2,231Fees
Refinance	Sound	Acceptable	—	Sound	29	13.9%	+0.142%Above	$2,799Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume179

Mix86.1%

Spread

-0.004%Below

Fees

$2,231Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume29

Mix13.9%

Spread

+0.142%Above

Fees

$2,799Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

208

Applications

277

Volume

$51 million

Pricing & Closing

Avg Rate Spread

+0.011%

vs. market APOR

Avg Net Fees

$2,289

Origination − Credits

Pullthrough Rate

75.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$247,452

Avg Borrower Income

$141,750

Avg Property Value

$318,365

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest2

MONE

South6

ARFLOKTNTXWV

West1

Top Metro Areas by Place Specialization Score

Little Rock, ARMetro

Volume 95Mix 45.67% of portfolio

81/100

Exceptional

Fort Smith, AR, AR-OKMetro

Volume 17Mix 8.17% of portfolio

52/100

Sound

Fayetteville, ARMetro

Volume 17Mix 8.17% of portfolio

51/100

Sound

Top States by Place Specialization Score

ArkansasState

Volume 196Mix 94.23% of portfolio

78/100

Strong

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.