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Southwest Missouri Bank
Bank|Carthage, MO|Regional
Loans Originated
171
Applications
260
Volume
$28 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.706%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$701
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Rates typically 71 basis points above market average
Report Card
Southwest Missouri Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Regional · 2 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$167,456
Average Borrower Income
$90,380
Average Property Value
$276,170
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 163 | 95.3% | +0.719% | $689 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 129 | 75.4% | +0.628% | $714 |
Refinance | Sound | Strong | Mediocre | Exceptional | 42 | 24.6% | +0.937% | $662 |
Geographic Coverage
Metro Areas
1
States Served
3
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
KSMOOK
Top Metro Areas by Place Specialization Score
1
Joplin, MO, MO-KSMSA
Volume: 151Mix: 88.30%
Place Specialization
Exceptional
Top States by Place Specialization Score
1
MOState
Volume: 166Mix: 97.08%
Place Specialization
Strong
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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