We analyzed every closed loan from Cliffco — 934 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 7 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Cliffco performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+44.0 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
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 683 | 73.1% | +0.409%Above | $3,738Fees | ||||
FHA Loans | 199 | 21.3% | +0.709%Above | $4,809Fees | ||||
VA Loans | — | — | 17 | 1.8% | -0.064%Below | $4,245Fees | ||
Jumbo Loans | — | 35 | 3.7% | +0.342%Above | $2,792Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume683
Mix73.1%
Spread
+0.409%Above
Fees
$3,738Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume199
Mix21.3%
Spread
+0.709%Above
Fees
$4,809Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume17
Mix1.8%
Spread
-0.064%Below
Fees
$4,245Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume35
Mix3.7%
Spread
+0.342%Above
Fees
$2,792Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 837 | 89.6% | +0.414%Above | $3,844Fees | ||||
Refinance | 97 | 10.4% | +0.727%Above | $4,107Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume837
Mix89.6%
Spread
+0.414%Above
Fees
$3,844Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume97
Mix10.4%
Spread
+0.727%Above
Fees
$4,107Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
934
Applications
1,252
Volume
$495 million
Pricing & Closing
Avg Rate Spread
+0.440%
vs. market APOR
Avg Net Fees
$3,867
Origination − Credits
Pullthrough Rate
74.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$530,964
Avg Borrower Income
$249,308
Avg Property Value
$722,730
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
18
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
18Northeast4
CTNJNYPA
Midwest2
ILOH
South9
ALDEFLGAKYNCSCTXVA
West3
AZCAOR
Top Metro Areas by Place Specialization Score
Volume 419Mix 44.86% of portfolio
87/100
Exceptional
Volume 236Mix 25.27% of portfolio
77/100
Strong
Volume 46Mix 4.93% of portfolio
58/100
Sound
Volume 25Mix 2.68% of portfolio
53/100
Sound
Volume 16Mix 1.71% of portfolio
45/100
Sound
Volume 14Mix 1.50% of portfolio
45/100
Sound
Volume 12Mix 1.28% of portfolio
44/100
SoundTop States by Place Specialization Score
1
New YorkState
Volume 674Mix 72.16% of portfolio
84/100
Exceptional2
New JerseyState
Volume 70Mix 7.49% of portfolio
60/100
Strong3
FloridaState
Volume 100Mix 10.71% of portfolio
57/100
Sound4
ConnecticutState
Volume 17Mix 1.82% of portfolio
45/100
Sound5
PennsylvaniaState
Volume 14Mix 1.50% of portfolio
39/100
Acceptable6
TexasState
Volume 18Mix 1.93% of portfolio
39/100
Acceptable7
GeorgiaState
Volume 11Mix 1.18% of portfolio
37/100
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.