1ST Priority Mortgage
We analyzed every closed loan from 1ST Priority Mortgage — 1.5k 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
Place
Strong
4/5
Regional · 11 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 loans
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Report Card
1ST Priority Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+22.8 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
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 12 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 | 1,283 | 86.6% | +0.214%Above | $2,314Fees | ||||
FHA Loans | 144 | 9.7% | +0.485%Above | $2,099Fees | ||||
VA Loans | 46 | 3.1% | -0.266%Below | $2,373Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,283
Mix86.6%
Spread
+0.214%Above
Fees
$2,314Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume144
Mix9.7%
Spread
+0.485%Above
Fees
$2,099Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume46
Mix3.1%
Spread
-0.266%Below
Fees
$2,373Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,457 | 98.4% | +0.229%Above | $2,289Fees | ||||
Refinance | 24 | 1.6% | +0.167%Above | $2,884Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,457
Mix98.4%
Spread
+0.229%Above
Fees
$2,289Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume24
Mix1.6%
Spread
+0.167%Above
Fees
$2,884Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,481
Applications
1,790
Volume
$420 million
Pricing & Closing
Avg Rate Spread
+0.228%
vs. market APOR
Avg Net Fees
$2,298
Origination − Credits
Pullthrough Rate
82.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$284,169
Avg Borrower Income
$129,878
Avg Property Value
$361,799
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
5Northeast4
CTNJNYPA
South1
FL
Top Metro Areas by Place Specialization Score
Volume 439Mix 29.64% of portfolio
88/100
Exceptional
Volume 100Mix 6.75% of portfolio
81/100
Exceptional
Volume 258Mix 17.42% of portfolio
77/100
Strong
Volume 164Mix 11.07% of portfolio
71/100
Strong
Volume 63Mix 4.25% of portfolio
69/100
Strong
Volume 91Mix 6.14% of portfolio
66/100
Strong
Volume 62Mix 4.19% of portfolio
64/100
Strong
Volume 22Mix 1.49% of portfolio
60/100
Sound
Volume 40Mix 2.70% of portfolio
56/100
Sound
Volume 36Mix 2.43% of portfolio
50/100
SoundShowing 10 of 11 metro areas
Top States by Place Specialization Score
1
New YorkState
Volume 1,401Mix 94.60% of portfolio
91/100
Exceptional2
New JerseyState
Volume 55Mix 3.71% of portfolio
56/100
Sound3
ConnecticutState
Volume 10Mix 0.68% of portfolio
38/100
Acceptable4
FloridaState
Volume 11Mix 0.74% of portfolio
33/100
AcceptableHow 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.