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Data Mortgage

Independent Mortgage Company•Sacramento, CAHQ•Direct•Reviews near you on Google

Data Mortgage has 220 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate 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
Place
Sound
3/5
Multi-Region · 5 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Data Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+44.9 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Sound
Volume149
Mix67.7%
Spread
+0.538%Above
Fees
$4,357Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume61
Mix27.7%
Spread
+0.342%Above
Fees
$3,146Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume167
Mix75.9%
Spread
+0.480%Above
Fees
$4,561Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Acceptable
Volume53
Mix24.1%
Spread
+0.367%Above
Fees
$2,419Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
220
Applications
318
Volume
$95 million
Pricing & Closing
Avg Rate Spread
+0.449%
vs. market APOR
Avg Net Fees
$3,968
Origination − Credits
Pullthrough Rate
69.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$432,636
Avg Borrower Income
$149,741
Avg Property Value
$568,909

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
23
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

23
23 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
CTNJPA
Midwest6
KSMIMNMOOHWI
South10
FLGAKYMDMSNCSCTNTXVA
West4
AZCANVOR

Top Metro Areas by Place Specialization Score

1© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 81Mix 36.82% of portfolio
72/100
Strong
2© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 26Mix 11.82% of portfolio
54/100
Sound
3© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 20Mix 9.09% of portfolio
53/100
Sound
4© Quintin Soloviev · CC BY 4.0
Sacramento, CAMetro
Volume 12Mix 5.45% of portfolio
46/100
Sound
5© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 12Mix 5.45% of portfolio
44/100
Sound

Top States by Place Specialization Score

Nevada
Nevada
1
NevadaState
Volume 85Mix 38.64% of portfolio
71/100
Strong
California
California
2
CaliforniaState
Volume 82Mix 37.27% of portfolio
60/100
Sound

How 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.