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Landmark National Bank

Bank|Manhattan, KS|Multi-Region
Loans Originated
570
Applications
726
Volume
$137 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐USDA Superstar⭐Purchase Superstar

Pricing and Pullthrough Overview

Average Rate Spread
+0.046%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$999
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
78.5%
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 FHA and VA and USDA loans

Report Card

Landmark National Bank performance at a glance

CategoryRatingGradeDetails
Pricing
Rate competitiveness
StrongHighly Competitive
Pull Through
Closing Strength
ExceptionalMarket Leader
Products
Loan Type Specialists
Specialization score by loan product
Conventional
StrongHighly Competitive
FHA
StrongHighly Competitive
VA
StrongHighly Competitive
Jumbo
SoundIndustry Standard
USDA
ExceptionalMarket Leader
Purpose
Reason specialization
Specialization score by loan purpose
Purchase
StrongHighly Competitive
Refinance
SoundIndustry Standard
Places
Geographic coverage
StrongMulti-Regional · 5 metro areas · 13 states
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount
$241,649
Average Borrower Income
$113,600
Average Property Value
$307,211

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Strong
Strong
41973.5%-0.022%$956
FHA Loans
Strong
Strong
Strong
Exceptional
508.8%+0.533%$1,471
VA Loans
Strong
Strong
Strong
Strong
366.3%-0.246%$681
Jumbo Loans
Sound
Sound
N/A
N/A
111.9%-0.231%$1,073
USDA Loans
Strong
Exceptional
Strong
Strong
549.5%+0.384%$1,042

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Strong
Strong
Strong
53093.0%+0.059%$1,004
Refinance
Sound
Sound
Strong
Sound
407.0%-0.109%$949

Geographic Coverage

Metro Areas
4
States Served
13
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

AZCOFLGAIAILKSMONEOKTNTXWA

Top Metro Areas by Place Specialization Score

1
Manhattan, KS, KSMSA
Volume: 148Mix: 25.96%
Place Specialization
Exceptional
2
Kansas City, MO, MO-KSMSA
Volume: 122Mix: 21.40%
Place Specialization
Strong
3
Topeka, KS, KSMSA
Volume: 45Mix: 7.89%
Place Specialization
Strong
4
Lawrence, KS, KSMSA
Volume: 24Mix: 4.21%
Place Specialization
Strong

Top States by Place Specialization Score

1
KSState
Volume: 502Mix: 88.07%
Place Specialization
Exceptional
2
MOState
Volume: 54Mix: 9.47%
Place Specialization
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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