We analyzed every closed loan from Red River Bank — 598 loans across 870 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 · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 6 mkts
Awards
Conventional
Champion
VA
Champion
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 8.80 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
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Report Card
Red River Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 8.8 bps below 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
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 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 | 357 | 59.7% | -0.022%Below | $1,083Fees | ||||
FHA Loans | 157 | 26.3% | -0.014%Below | $1,067Fees | ||||
VA Loans | 43 | 7.2% | -0.769%Below | $790Fees | ||||
Jumbo Loans | — | 19 | 3.2% | -0.098%Below | $900Fees | |||
USDA Loans | — | 22 | 3.7% | -0.295%Below | $975Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume357
Mix59.7%
Spread
-0.022%Below
Fees
$1,083Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume157
Mix26.3%
Spread
-0.014%Below
Fees
$1,067Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume43
Mix7.2%
Spread
-0.769%Below
Fees
$790Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume19
Mix3.2%
Spread
-0.098%Below
Fees
$900Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume22
Mix3.7%
Spread
-0.295%Below
Fees
$975Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 531 | 88.8% | -0.099%Below | $1,026Fees | ||||
Refinance | 67 | 11.2% | +0.022%Above | $1,319Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume531
Mix88.8%
Spread
-0.099%Below
Fees
$1,026Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume67
Mix11.2%
Spread
+0.022%Above
Fees
$1,319Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
598
Applications
870
Volume
$167 million
Pricing & Closing
Avg Rate Spread
-0.088%
vs. market APOR
Avg Net Fees
$1,052
Origination − Credits
Pullthrough Rate
68.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$280,552
Avg Borrower Income
$178,413
Avg Property Value
$364,057
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Northeast1
NY
South7
ALFLLAMSTNTXVA
West1
CO
Top Metro Areas by Place Specialization Score
Volume 237Mix 39.63% of portfolio
100/100
Exceptional
Volume 103Mix 17.22% of portfolio
90/100
Exceptional
Volume 44Mix 7.36% of portfolio
74/100
Strong
Volume 92Mix 15.38% of portfolio
70/100
Strong
Volume 24Mix 4.01% of portfolio
55/100
Sound
Volume 20Mix 3.34% of portfolio
53/100
SoundTop States by Place Specialization Score
1
LouisianaState
Volume 583Mix 97.49% of portfolio
87/100
ExceptionalHow 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.