What loan types does Johnson Bank offer?

Johnson Bank offers the following mortgage loan types: Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does Johnson Bank offer mortgages?

Johnson Bank offers mortgages in 20 states: AR, AZ, CO, FL, GA, IA, IL, IN, KY, MI, MN, MO, MS, MT, NC, OH, SC, TN, TX, WI.

How competitive are Johnson Bank's mortgage rates?

Johnson Bank has an overall pricing score of 88.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Johnson Bank?

Johnson Bank is a Bank headquartered in RACINE, WI.

Unclaimed

Johnson Bank

Bank•RACINE, WI•Direct to Consumer

We analyzed every closed loan from Johnson Bank — 1.8k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Exceptional

vs. all lenders

Pull Through

Exceptional

closing strength

Products

Exceptional

Conventional · VA · Jumbo

Place

Strong

Multi-Region · 13 mkts

Safe Rate Awards💎Conventional Champion💎Purchase Champion⭐Refinance Superstar

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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

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Report Card

Johnson Bank performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Exceptional	Market Leader +3.1 bps above market avg
Pull Through Closing strength	Exceptional	Market Leader Top 20% of lenders
By Loan Product· Specialization by type
Conventional	Exceptional	Market Leader Top 20% of lenders
VA	Sound	Industry Standard Top 60% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Exceptional	Market Leader Top 20% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Strong	Highly Competitive Top 40% of lenders Multi-Regional14 markets

Loan Product Performance

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%Above	$519Fees
VA Loans	Sound	Sound	—	—	14	0.8%	-0.306%Below	$475Fees
Jumbo Loans	Sound	Strong	Acceptable	Strong	71	3.9%	+0.470%Above	$658Fees

Loan Purpose Performance

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%Above	$636Fees
Refinance	Strong	Strong	Exceptional	Strong	308	17.0%	-0.051%Below	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

ARAZCOFLGAIAILINKYMIMNMOMSMTNCOHSCTNTXWI

Top Metro Areas by Place Specialization Score

Janesville, WIMSA

Volume: 213Mix: 11.79%of portfolio

Place

Exceptional

Kenosha, WI, WIMSA

Volume: 126Mix: 6.97%of portfolio

Place

Exceptional

Racine, WIMSA

Volume: 173Mix: 9.57%of portfolio

Place

Exceptional

Milwaukee, WIMSA

Volume: 462Mix: 25.57%of portfolio

Place

Exceptional

Green Bay, WI, WIMSA

Volume: 140Mix: 7.75%of portfolio

Place

Exceptional

Madison, WI, WIMSA

Volume: 176Mix: 9.74%of portfolio

Place

Strong

Appleton, WI, WIMSA

Volume: 53Mix: 2.93%of portfolio

Place

Strong

Sheboygan, WI, WIMSA

Volume: 25Mix: 1.38%of portfolio

Place

Strong

Oshkosh, WIMSA

Volume: 18Mix: 1.00%of portfolio

Place

Sound

Rockford, IL, ILMSA

Volume: 14Mix: 0.77%of portfolio

Place

Sound

Showing 10 of 13 metro areas

Top States by Place Specialization Score

WIState

Volume: 1,674Mix: 92.64%of portfolio

Place

Exceptional

ILState

Volume: 42Mix: 2.32%of portfolio

Place

Sound

MNState

Volume: 15Mix: 0.83%of portfolio

Place

Sound

COState

Volume: 12Mix: 0.66%of portfolio

Place

Acceptable

FLState

Volume: 19Mix: 1.05%of portfolio

Place

Acceptable

AZState

Volume: 11Mix: 0.61%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.