What loan types does Dayspring Bank offer?

Dayspring Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Dayspring Bank offer mortgages?

Dayspring Bank offers mortgages in 9 states: AL, CO, FL, IA, MO, NE, NV, SC, TX.

How competitive are Dayspring Bank's mortgage rates?

Dayspring Bank has an overall pricing score of 76.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Dayspring Bank?

Dayspring Bank is a Bank headquartered in Gothenburg, NE.

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Dayspring Bank

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Dayspring Bank has 139 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

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Multi-Region · 1 mkts

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Dayspring Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+9.1 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Mediocre

Bottom 20% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Sound	120	86.3%	+0.098%Above	$1,419Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume120

Mix86.3%

Spread

+0.098%Above

Fees

$1,419Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	129	92.8%	+0.107%Above	$1,405Fees
Refinance	Mediocre	Mediocre	—	—	10	7.2%	-0.256%Below	$320Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume129

Mix92.8%

Spread

+0.107%Above

Fees

$1,405Fees

Refinance

Overall

Mediocre

Product

Mediocre

Pricing—

Pull Through—

Volume10

Mix7.2%

Spread

-0.256%Below

Fees

$320Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

139

Applications

163

Volume

$33 million

Pricing & Closing

Avg Rate Spread

+0.091%

vs. market APOR

Avg Net Fees

$1,355

Origination − Credits

Pullthrough Rate

85.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$242,914

Avg Borrower Income

$110,842

Avg Property Value

$309,820

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

Midwest3

IAMONE

South4

ALFLSCTX

West2

CONV

Top Metro Areas by Place Specialization Score

Omaha, NE, NE-IAMetro

Volume 55Mix 39.57% of portfolio

68/100

Strong

Top States by Place Specialization Score

NebraskaState

Volume 125Mix 89.93% of portfolio

76/100

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.