We analyzed every closed loan from Midwest BankCentre — 454 loans across 575 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Multi-Region · 1 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 FHA and VA loans
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Report Card
Midwest BankCentre performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+2.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 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 | 340 | 74.9% | +0.005%Above | $621Fees | ||||
FHA Loans | 76 | 16.7% | +0.211%Above | $747Fees | ||||
VA Loans | 32 | 7.0% | -0.405%Below | $647Fees |
Conventional
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume340
Mix74.9%
Spread
+0.005%Above
Fees
$621Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume76
Mix16.7%
Spread
+0.211%Above
Fees
$747Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume32
Mix7.0%
Spread
-0.405%Below
Fees
$647Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 374 | 82.4% | +0.140%Above | $621Fees | ||||
Refinance | 80 | 17.6% | -0.468%Below | $726Fees |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume374
Mix82.4%
Spread
+0.140%Above
Fees
$621Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume80
Mix17.6%
Spread
-0.468%Below
Fees
$726Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
454
Applications
575
Volume
$128 million
Pricing & Closing
Avg Rate Spread
+0.021%
vs. market APOR
Avg Net Fees
$641
Origination − Credits
Pullthrough Rate
79.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$282,863
Avg Borrower Income
$136,650
Avg Property Value
$379,405
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
17Northeast1
NY
Midwest5
IAILKSMOWI
South8
ARFLGAMSOKSCTNVA
West3
AKCOUT
Top Metro Areas by Place Specialization Score
Volume 388Mix 85.46% of portfolio
88/100
ExceptionalTop States by Place Specialization Score
1
MissouriState
Volume 289Mix 63.66% of portfolio
76/100
Strong2
IllinoisState
Volume 125Mix 27.53% of portfolio
67/100
Strong3
TennesseeState
Volume 13Mix 2.86% of portfolio
41/100
SoundHow 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.