We analyzed every closed loan from Johnson Bank — 1.8k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 13 mkts
Awards
Conventional
Champion
Purchase
Champion
Refinance
Champion
Jumbo
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 Jumbo loans
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Report Card
Johnson Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+3.1 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 14 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 | 1,722 | 95.3% | +0.026%Above | $519Fees | ||||
VA Loans | — | — | 14 | 0.8% | -0.306%Below | $475Fees | ||
Jumbo Loans | 71 | 3.9% | +0.470%Above | $658Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume1,722
Mix95.3%
Spread
+0.026%Above
Fees
$519Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume14
Mix0.8%
Spread
-0.306%Below
Fees
$475Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume71
Mix3.9%
Spread
+0.470%Above
Fees
$658Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,499 | 83.0% | +0.052%Above | $636Fees | ||||
Refinance | 308 | 17.0% | -0.051%Below | $58Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,499
Mix83.0%
Spread
+0.052%Above
Fees
$636Fees
Refinance
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume308
Mix17.0%
Spread
-0.051%Below
Fees
$58Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,807
Applications
2,206
Volume
$675 million
Pricing & Closing
Avg Rate Spread
+0.031%
vs. market APOR
Avg Net Fees
$521
Origination − Credits
Pullthrough Rate
81.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$373,965
Avg Borrower Income
$178,010
Avg Property Value
$506,793
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
20Midwest8
IAILINMIMNMOOHWI
South9
ARFLGAKYMSNCSCTNTX
West3
AZCOMT
Top Metro Areas by Place Specialization Score
Volume 213Mix 11.79% of portfolio
100/100
Exceptional
Volume 126Mix 6.97% of portfolio
94/100
Exceptional
Volume 173Mix 9.57% of portfolio
90/100
Exceptional
Volume 462Mix 25.57% of portfolio
88/100
Exceptional
Volume 140Mix 7.75% of portfolio
86/100
Exceptional
Volume 176Mix 9.74% of portfolio
75/100
Strong
Volume 53Mix 2.93% of portfolio
65/100
Strong
Volume 25Mix 1.38% of portfolio
61/100
Strong
Volume 18Mix 1.00% of portfolio
50/100
Sound
Volume 14Mix 0.77% of portfolio
46/100
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
WisconsinState
Volume 1,674Mix 92.64% of portfolio
96/100
Exceptional2
IllinoisState
Volume 42Mix 2.32% of portfolio
50/100
Sound3
MinnesotaState
Volume 15Mix 0.83% of portfolio
41/100
Sound4
ColoradoState
Volume 12Mix 0.66% of portfolio
38/100
Acceptable5
FloridaState
Volume 19Mix 1.05% of portfolio
37/100
Acceptable6
ArizonaState
Volume 11Mix 0.61% of portfolio
37/100
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.