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Unclaimed

HomeBank

Bank•Palmyra, MO•Direct to Consumer

Homebank has 104 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Strong
vs. all lenders
Pull Through
Sound
closing strength
Products
Acceptable
Conventional
Place
Active
Regional

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Safe Rate's Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

HomeBank performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Highly Competitive
+7.3 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Acceptable
Strong
Sound
104100.0%
+0.073%Above
$478Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Acceptable
Exceptional
Sound
6966.3%
+0.012%Above
$496Fees
Refinance
Sound
Acceptable
Strong
Strong
3533.7%
+0.178%Above
$446Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
104
Applications
121
Volume
$21 million
Pricing & Closing
Avg Rate Spread
+0.073%
vs. market APOR
Avg Net Fees
$478
Origination − Credits
Pullthrough Rate
86.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$208,365
Avg Borrower Income
$113,788
Avg Property Value
$323,462

Geographic Coverage

Geographic Performance

Metro Areas
0
States Served
3
We count Washington DC as a state
Avg Place Specialization
N/A

States with Loan Originations

FLILMO

Top States by Place Specialization Score

1
MOState
Volume: 71Mix: 68.27%of portfolio
Place
Strong
2
ILState
Volume: 32Mix: 30.77%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.