Deephaven Mortgage
We analyzed every closed loan from Deephaven Mortgage — 1.8k loans across 3k applications— and benchmarked them against peer lenders 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
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
National · 42 mkts
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 126 basis points above market average
- Higher than average fees ($4,451)
Explore another lender or local market
Report Card
Deephaven Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+126.2 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% 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
National · 43 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 | 1,406 | 78.2% | +1.317%Above | $4,808Fees | ||||
Jumbo Loans | 392 | 21.8% | +1.030%Above | $2,945Fees |
Conventional
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume1,406
Mix78.2%
Spread
+1.317%Above
Fees
$4,808Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume392
Mix21.8%
Spread
+1.030%Above
Fees
$2,945Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,453 | 80.8% | +1.286%Above | $4,534Fees | ||||
Refinance | 345 | 19.2% | +1.171%Above | $4,127Fees |
Purchase
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume1,453
Mix80.8%
Spread
+1.286%Above
Fees
$4,534Fees
Refinance
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume345
Mix19.2%
Spread
+1.171%Above
Fees
$4,127Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,798
Applications
3,076
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+1.262%
vs. market APOR
Avg Net Fees
$4,451
Origination − Credits
Pullthrough Rate
58.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$613,982
Avg Borrower Income
$603,296
Avg Property Value
$849,861
Geographic Coverage
Geographic Performance
Metro Areas
42
markets with activity
States Served
49
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
49Northeast8
CTMEMANHNJPARIVT
Midwest11
IAILINKSMIMNMONDNEOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 126Mix 7.01% of portfolio
70/100
Strong
Volume 73Mix 4.06% of portfolio
63/100
Strong
Volume 62Mix 3.45% of portfolio
57/100
Sound
Volume 39Mix 2.17% of portfolio
57/100
Sound
Volume 57Mix 3.17% of portfolio
57/100
Sound
Volume 56Mix 3.11% of portfolio
55/100
Sound
Volume 43Mix 2.39% of portfolio
54/100
Sound
Volume 43Mix 2.39% of portfolio
53/100
Sound
Volume 31Mix 1.72% of portfolio
53/100
Sound
Volume 35Mix 1.95% of portfolio
52/100
SoundShowing 10 of 42 metro areas
Top States by Place Specialization Score
1
FloridaState
Volume 455Mix 25.31% of portfolio
72/100
Strong2
TexasState
Volume 234Mix 13.01% of portfolio
65/100
Strong3
CaliforniaState
Volume 240Mix 13.35% of portfolio
64/100
Strong4
South CarolinaState
Volume 52Mix 2.89% of portfolio
56/100
Sound5
New JerseyState
Volume 54Mix 3.00% of portfolio
55/100
Sound6
GeorgiaState
Volume 65Mix 3.62% of portfolio
55/100
Sound7
VirginiaState
Volume 53Mix 2.95% of portfolio
54/100
Sound8
TennesseeState
Volume 48Mix 2.67% of portfolio
53/100
Sound9
North CarolinaState
Volume 54Mix 3.00% of portfolio
52/100
Sound10
ColoradoState
Volume 43Mix 2.39% of portfolio
51/100
SoundShowing 10 of 30 states
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.