We analyzed every closed loan from Inb — 679 loans across 822 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
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 6 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 loans
Explore another lender or local market
Report Card
Inb performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+30.0 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% 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
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 · 7 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 | 574 | 84.5% | +0.331%Above | $692Fees | ||||
FHA Loans | 49 | 7.2% | +0.462%Above | $537Fees | ||||
VA Loans | 51 | 7.5% | -0.249%Below | $112Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume574
Mix84.5%
Spread
+0.331%Above
Fees
$692Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume49
Mix7.2%
Spread
+0.462%Above
Fees
$537Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume51
Mix7.5%
Spread
-0.249%Below
Fees
$112Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 631 | 92.9% | +0.305%Above | $630Fees | ||||
Refinance | 48 | 7.1% | +0.239%Above | $785Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume631
Mix92.9%
Spread
+0.305%Above
Fees
$630Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume48
Mix7.1%
Spread
+0.239%Above
Fees
$785Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
679
Applications
822
Volume
$144 million
Pricing & Closing
Avg Rate Spread
+0.300%
vs. market APOR
Avg Net Fees
$642
Origination − Credits
Pullthrough Rate
82.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$213,336
Avg Borrower Income
$111,700
Avg Property Value
$265,133
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Midwest4
ILINNEWI
South6
FLGAKYSCTNTX
West2
CAMT
Top Metro Areas by Place Specialization Score
Volume 410Mix 60.38% of portfolio
100/100
Exceptional
Volume 106Mix 15.61% of portfolio
74/100
Strong
Volume 24Mix 3.53% of portfolio
54/100
Sound
Volume 15Mix 2.21% of portfolio
50/100
Sound
Volume 12Mix 1.77% of portfolio
45/100
Sound
Volume 11Mix 1.62% of portfolio
41/100
SoundTop States by Place Specialization Score
1
IllinoisState
Volume 653Mix 96.17% of portfolio
85/100
Exceptional2
FloridaState
Volume 10Mix 1.47% of portfolio
33/100
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.
Looking for a different lender?
Are you the owner of Inb?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.