We analyzed every closed loan from NBH Bank — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 8 mkts
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
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
Explore another lender or local market
Report Card
NBH Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+27.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 9 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 639 | 60.4% | +0.332%Above | $1,559Fees | ||||
FHA Loans | 229 | 21.6% | +0.366%Above | $1,134Fees | ||||
VA Loans | 138 | 13.0% | -0.383%Below | $1,627Fees | ||||
Jumbo Loans | — | 42 | 4.0% | +0.460%Above | $1,465Fees | |||
USDA Loans | — | — | 10 | 0.9% | +0.394%Above | $496Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume639
Mix60.4%
Spread
+0.332%Above
Fees
$1,559Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume229
Mix21.6%
Spread
+0.366%Above
Fees
$1,134Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume138
Mix13.0%
Spread
-0.383%Below
Fees
$1,627Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume42
Mix4.0%
Spread
+0.460%Above
Fees
$1,465Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix0.9%
Spread
+0.394%Above
Fees
$496Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 955 | 90.3% | +0.271%Above | $1,411Fees | ||||
Refinance | 103 | 9.7% | +0.328%Above | $1,876Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume955
Mix90.3%
Spread
+0.271%Above
Fees
$1,411Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume103
Mix9.7%
Spread
+0.328%Above
Fees
$1,876Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,058
Applications
1,503
Volume
$394 million
Pricing & Closing
Avg Rate Spread
+0.278%
vs. market APOR
Avg Net Fees
$1,475
Origination − Credits
Pullthrough Rate
70.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$373,138
Avg Borrower Income
$153,027
Avg Property Value
$519,064
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
33
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
33Northeast4
CTMANHNY
Midwest6
ILKSMNMONEOH
South13
ALARFLGAKYLANCOKSCTNTXVAWV
West10
AZCACOIDMTNMORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 164Mix 15.50% of portfolio
78/100
Strong
Volume 83Mix 7.84% of portfolio
77/100
Strong
Volume 127Mix 12.00% of portfolio
69/100
Strong
Volume 29Mix 2.74% of portfolio
63/100
Strong
Volume 80Mix 7.56% of portfolio
63/100
Strong
Volume 39Mix 3.69% of portfolio
53/100
Sound
Volume 11Mix 1.04% of portfolio
43/100
Sound
Volume 10Mix 0.95% of portfolio
43/100
SoundTop States by Place Specialization Score
1
KansasState
Volume 341Mix 32.23% of portfolio
87/100
Exceptional2
ColoradoState
Volume 345Mix 32.61% of portfolio
77/100
Strong3
MissouriState
Volume 133Mix 12.57% of portfolio
65/100
Strong4
TexasState
Volume 86Mix 8.13% of portfolio
55/100
Sound5
WyomingState
Volume 23Mix 2.17% of portfolio
54/100
Sound6
UtahState
Volume 38Mix 3.59% of portfolio
53/100
Sound7
IdahoState
Volume 15Mix 1.42% of portfolio
43/100
Sound8
New MexicoState
Volume 13Mix 1.23% of portfolio
43/100
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.
Looking for a different lender?
Are you the owner of NBH Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.