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Claim this ProfileBluebird Home Loans
Bluebird Home Loans has 117 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($5,666)
Explore another lender or local market
Report Card
Bluebird Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+48.1 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
88 loans · 0.47% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
13 loans · 0.93% above market
Sound
Top 60% of lenders
3/5
VA
10 loans · 0.04% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
105 loans · 0.46% above market
Sound
Top 60% of lenders
3/5
Refinance
12 loans · 0.59% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 88 | 75.2% | +0.469%Above | $5,784Fees | ||||
FHA Loans | — | 13 | 11.1% | +0.934%Above | $8,596Fees | |||
VA Loans | — | — | 10 | 8.5% | +0.040%Above | $6,277Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughSound
Volume88
Mix75.2%
Spread
+0.469%Above
Fees
$5,784Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume13
Mix11.1%
Spread
+0.934%Above
Fees
$8,596Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix8.5%
Spread
+0.040%Above
Fees
$6,277Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 105 | 89.7% | +0.461%Above | $5,790Fees | ||||
Refinance | — | — | 12 | 10.3% | +0.595%Above | $4,934Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume105
Mix89.7%
Spread
+0.461%Above
Fees
$5,790Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume12
Mix10.3%
Spread
+0.595%Above
Fees
$4,934Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
117
Applications
155
Volume
$51 million
Pricing & Closing
Avg Rate Spread
+0.481%
vs. market APOR
Avg Net Fees
$5,666
Origination − Credits
Pullthrough Rate
75.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$440,385
Avg Borrower Income
$177,462
Avg Property Value
$670,641
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
< 100100+None
West3
COIDOR
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.