We analyzed every closed loan from Stockman Bank of Montana — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
5/5
Regional · 5 mkts
Awards
Conventional
Superstar
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 and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Stockman Bank of Montana performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+5.4 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% 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
Regional · 6 markets
Exceptional
Top 10% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 701 | 68.5% | +0.134%Above | $3,457Fees | ||||
FHA Loans | 163 | 15.9% | +0.128%Above | $3,981Fees | ||||
VA Loans | 135 | 13.2% | -0.566%Below | $2,776Fees | ||||
Jumbo Loans | — | — | 12 | 1.2% | +0.476%Above | $4,658Fees | ||
USDA Loans | — | — | 13 | 1.3% | -0.314%Below | $2,711Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume701
Mix68.5%
Spread
+0.134%Above
Fees
$3,457Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume163
Mix15.9%
Spread
+0.128%Above
Fees
$3,981Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume135
Mix13.2%
Spread
-0.566%Below
Fees
$2,776Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume12
Mix1.2%
Spread
+0.476%Above
Fees
$4,658Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume13
Mix1.3%
Spread
-0.314%Below
Fees
$2,711Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 923 | 90.1% | +0.035%Above | $3,561Fees | ||||
Refinance | 101 | 9.9% | +0.212%Above | $2,681Fees |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume923
Mix90.1%
Spread
+0.035%Above
Fees
$3,561Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume101
Mix9.9%
Spread
+0.212%Above
Fees
$2,681Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,024
Applications
1,344
Volume
$336 million
Pricing & Closing
Avg Rate Spread
+0.054%
vs. market APOR
Avg Net Fees
$3,465
Origination − Credits
Pullthrough Rate
76.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$328,203
Avg Borrower Income
$140,095
Avg Property Value
$474,824
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
5Midwest1
ND
West4
AZIDMTWY
Top Metro Areas by Place Specialization Score
Volume 212Mix 20.70% of portfolio
100/100
Exceptional
Volume 122Mix 11.91% of portfolio
100/100
Exceptional
Volume 197Mix 19.24% of portfolio
99/100
Exceptional
Volume 106Mix 10.35% of portfolio
92/100
Exceptional
Volume 53Mix 5.18% of portfolio
84/100
ExceptionalTop States by Place Specialization Score
1
MontanaState
Volume 1,017Mix 99.32% of portfolio
100/100
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.