We analyzed every closed loan from CIBM Bank — 715 loans across 957 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 13 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
CIBM Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+44.8 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 14 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 | 581 | 81.3% | +0.439%Above | $1,491Fees | ||||
FHA Loans | 97 | 13.6% | +0.646%Above | $1,639Fees | ||||
VA Loans | 23 | 3.2% | +0.078%Above | $484Fees | ||||
Jumbo Loans | — | — | 11 | 1.5% | +0.265%Above | $451Credit |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume581
Mix81.3%
Spread
+0.439%Above
Fees
$1,491Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume97
Mix13.6%
Spread
+0.646%Above
Fees
$1,639Fees
VA Loans
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
Volume23
Mix3.2%
Spread
+0.078%Above
Fees
$484Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix1.5%
Spread
+0.265%Above
Fees
$451Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 637 | 89.1% | +0.455%Above | $1,501Fees | ||||
Refinance | 78 | 10.9% | +0.395%Above | $1,019Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume637
Mix89.1%
Spread
+0.455%Above
Fees
$1,501Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume78
Mix10.9%
Spread
+0.395%Above
Fees
$1,019Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
715
Applications
957
Volume
$231 million
Pricing & Closing
Avg Rate Spread
+0.448%
vs. market APOR
Avg Net Fees
$1,443
Origination − Credits
Pullthrough Rate
74.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$323,657
Avg Borrower Income
$149,017
Avg Property Value
$418,958
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
28Northeast8
CTMEMANHNJNYPARI
Midwest7
IAILINMIMOOHWI
South9
DEFLGAKYNCOKSCTNTX
West4
AZCACOWA
Top Metro Areas by Place Specialization Score
Volume 215Mix 30.07% of portfolio
74/100
Strong
Volume 41Mix 5.73% of portfolio
74/100
Strong
Volume 45Mix 6.29% of portfolio
66/100
Strong
Volume 65Mix 9.09% of portfolio
64/100
Strong
Volume 45Mix 6.29% of portfolio
62/100
Strong
Volume 21Mix 2.94% of portfolio
55/100
Sound
Volume 18Mix 2.52% of portfolio
51/100
Sound
Volume 21Mix 2.94% of portfolio
51/100
Sound
Volume 16Mix 2.24% of portfolio
49/100
Sound
Volume 18Mix 2.52% of portfolio
47/100
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
IllinoisState
Volume 352Mix 49.23% of portfolio
78/100
Strong2
WisconsinState
Volume 153Mix 21.40% of portfolio
70/100
Strong3
New JerseyState
Volume 47Mix 6.57% of portfolio
56/100
Sound4
MassachusettsState
Volume 47Mix 6.57% of portfolio
56/100
Sound5
Rhode IslandState
Volume 19Mix 2.66% of portfolio
50/100
Sound6
IndianaState
Volume 23Mix 3.22% of portfolio
46/100
Sound7
FloridaState
Volume 16Mix 2.24% of portfolio
38/100
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.