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Johnson Bank
Bank|RACINE, WI|Multi-Region
Loans Originated
1,807
Applications
2,206
Volume
$675 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional Champion💎Purchase Champion⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.031%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$521
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.9%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
Johnson Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
VA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 14 metro areas · 20 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$373,965
Average Borrower Income
$178,010
Average Property Value
$506,793
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Exceptional | Exceptional | Exceptional | 1,722 | 95.3% | +0.026% | $519 |
VA Loans | Sound | Sound | N/A | N/A | 14 | 0.8% | -0.306% | $475 |
Jumbo Loans | Sound | Strong | Acceptable | Strong | 71 | 3.9% | +0.470% | $658 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Exceptional | Exceptional | Exceptional | Strong | 1,499 | 83.0% | +0.052% | $636 |
Refinance | Strong | Strong | Exceptional | Strong | 308 | 17.0% | -0.051% | $58 |
Geographic Coverage
Metro Areas
13
States Served
20
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Janesville, WIMSA
Volume: 213Mix: 11.79%
Place Specialization
Exceptional
2
Kenosha, WI, WIMSA
Volume: 126Mix: 6.97%
Place Specialization
Exceptional
3
Racine, WIMSA
Volume: 173Mix: 9.57%
Place Specialization
Exceptional
4
Milwaukee, WIMSA
Volume: 462Mix: 25.57%
Place Specialization
Exceptional
5
Green Bay, WI, WIMSA
Volume: 140Mix: 7.75%
Place Specialization
Exceptional
6
Madison, WI, WIMSA
Volume: 176Mix: 9.74%
Place Specialization
Strong
7
Appleton, WI, WIMSA
Volume: 53Mix: 2.93%
Place Specialization
Strong
8
Sheboygan, WI, WIMSA
Volume: 25Mix: 1.38%
Place Specialization
Strong
9
Oshkosh, WIMSA
Volume: 18Mix: 1.00%
Place Specialization
Sound
10
Rockford, IL, ILMSA
Volume: 14Mix: 0.77%
Place Specialization
Sound
Showing 10 of 13 metro areas
Top States by Place Specialization Score
1
WIState
Volume: 1,674Mix: 92.64%
Place Specialization
Exceptional
2
ILState
Volume: 42Mix: 2.32%
Place Specialization
Sound
3
MNState
Volume: 15Mix: 0.83%
Place Specialization
Sound
4
COState
Volume: 12Mix: 0.66%
Place Specialization
Acceptable
5
FLState
Volume: 19Mix: 1.05%
Place Specialization
Acceptable
6
AZState
Volume: 11Mix: 0.61%
Place Specialization
Acceptable
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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