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NBH Bank
Bank|Greenwood Village, CO|Near-National
Loans Originated
1,058
Applications
1,503
Volume
$394 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.278%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,475
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
70.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Report Card
NBH Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Near-National · 9 metro areas · 33 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$373,138
Average Borrower Income
$153,027
Average Property Value
$519,064
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 639 | 60.4% | +0.332% | $1,559 |
FHA Loans | Strong | Strong | Strong | Strong | 229 | 21.6% | +0.366% | $1,134 |
VA Loans | Strong | Strong | Sound | Strong | 138 | 13.0% | -0.383% | $1,627 |
Jumbo Loans | Sound | Strong | N/A | Sound | 42 | 4.0% | +0.460% | $1,465 |
USDA Loans | Sound | Sound | N/A | N/A | 10 | 0.9% | +0.394% | $496 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 955 | 90.3% | +0.271% | $1,411 |
Refinance | Acceptable | Sound | Acceptable | Acceptable | 103 | 9.7% | +0.328% | $1,876 |
Geographic Coverage
Metro Areas
8
States Served
33
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACOCTFLGAIDILKSKYLAMAMNMOMTNCNENHNMNYOHOKORSCTNTXUTVAWAWVWY
Top Metro Areas by Place Specialization Score
1
Colorado Springs, CO, COMSA
Volume: 164Mix: 15.50%
Place Specialization
Strong
2
Topeka, KS, KSMSA
Volume: 83Mix: 7.84%
Place Specialization
Strong
3
Kansas City, MO, MO-KSMSA
Volume: 127Mix: 12.00%
Place Specialization
Strong
4
Lawrence, KS, KSMSA
Volume: 29Mix: 2.74%
Place Specialization
Strong
5
Denver, COMSA
Volume: 80Mix: 7.56%
Place Specialization
Strong
6
Dallas, TXMSA
Volume: 39Mix: 3.69%
Place Specialization
Sound
7
Greeley, CO, COMSA
Volume: 11Mix: 1.04%
Place Specialization
Sound
8
St. Joseph, MO, MO-KSMSA
Volume: 10Mix: 0.95%
Place Specialization
Sound
Top States by Place Specialization Score
1
KSState
Volume: 341Mix: 32.23%
Place Specialization
Exceptional
2
COState
Volume: 345Mix: 32.61%
Place Specialization
Strong
3
MOState
Volume: 133Mix: 12.57%
Place Specialization
Strong
4
TXState
Volume: 86Mix: 8.13%
Place Specialization
Sound
5
WYState
Volume: 23Mix: 2.17%
Place Specialization
Sound
6
UTState
Volume: 38Mix: 3.59%
Place Specialization
Sound
7
IDState
Volume: 15Mix: 1.42%
Place Specialization
Sound
8
NMState
Volume: 13Mix: 1.23%
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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