We analyzed every closed loan from Great Southern Bank — 658 loans across 884 applications— and benchmarked them against peer lenders 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
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 7 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
Great Southern Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+8.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 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 | 536 | 81.5% | +0.098%Above | $1,088Fees | ||||
FHA Loans | 57 | 8.7% | +0.167%Above | $1,039Fees | ||||
VA Loans | 34 | 5.2% | -0.354%Below | $521Fees | ||||
USDA Loans | — | 22 | 3.3% | +0.315%Above | $1,160Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume536
Mix81.5%
Spread
+0.098%Above
Fees
$1,088Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume57
Mix8.7%
Spread
+0.167%Above
Fees
$1,039Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume34
Mix5.2%
Spread
-0.354%Below
Fees
$521Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume22
Mix3.3%
Spread
+0.315%Above
Fees
$1,160Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 557 | 84.7% | +0.082%Above | $1,078Fees | ||||
Refinance | 101 | 15.3% | +0.122%Above | $952Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume557
Mix84.7%
Spread
+0.082%Above
Fees
$1,078Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume101
Mix15.3%
Spread
+0.122%Above
Fees
$952Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
658
Applications
884
Volume
$170 million
Pricing & Closing
Avg Rate Spread
+0.088%
vs. market APOR
Avg Net Fees
$1,057
Origination − Credits
Pullthrough Rate
74.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$259,331
Avg Borrower Income
$137,992
Avg Property Value
$370,000
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
22
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
22Northeast3
CTMENH
Midwest7
IAILKSMNMONEOH
South8
ARFLKYLANCOKTNTX
West4
COHINMWA
Top Metro Areas by Place Specialization Score
Volume 278Mix 42.25% of portfolio
95/100
Exceptional
Volume 50Mix 7.60% of portfolio
70/100
Strong
Volume 79Mix 12.01% of portfolio
66/100
Strong
Volume 26Mix 3.95% of portfolio
53/100
Sound
Volume 19Mix 2.89% of portfolio
51/100
Sound
Volume 17Mix 2.58% of portfolio
50/100
Sound
Volume 17Mix 2.58% of portfolio
46/100
SoundTop States by Place Specialization Score
1
MissouriState
Volume 461Mix 70.06% of portfolio
80/100
Exceptional2
IowaState
Volume 129Mix 19.60% of portfolio
67/100
Strong3
KansasState
Volume 17Mix 2.58% of portfolio
47/100
Sound4
ArkansasState
Volume 11Mix 1.67% of portfolio
41/100
SoundHow 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.