We analyzed every closed loan from Digital — 861 loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 16 mkts
Awards
Jumbo
Superstar
Summary
What They Do Well
- Offers rates 9.60 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Digital performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 9.6 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% 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
Near-National · 17 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 | 762 | 88.5% | -0.081%Below | $954Fees | ||||
Jumbo Loans | 99 | 11.5% | -0.225%Below | $153Fees |
Conventional
OverallSound
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume762
Mix88.5%
Spread
-0.081%Below
Fees
$954Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume99
Mix11.5%
Spread
-0.225%Below
Fees
$153Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 694 | 80.6% | -0.070%Below | $926Fees | ||||
Refinance | 167 | 19.4% | -0.206%Below | $614Fees |
Purchase
OverallSound
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume694
Mix80.6%
Spread
-0.070%Below
Fees
$926Fees
Refinance
OverallSound
ProductStrong
PricingStrong
Pull ThroughAcceptable
Volume167
Mix19.4%
Spread
-0.206%Below
Fees
$614Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
861
Applications
4,192
Volume
$414 million
Pricing & Closing
Avg Rate Spread
-0.096%
vs. market APOR
Avg Net Fees
$866
Origination − Credits
Pullthrough Rate
20.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$481,458
Avg Borrower Income
$199,110
Avg Property Value
$653,722
Geographic Coverage
Geographic Performance
Metro Areas
16
markets with activity
States Served
38
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
38Northeast9
CTMEMANHNJNYPARIVT
Midwest9
ILINKSMIMNMONEOHWI
South13
ALARDEFLGAMDMSNCOKSCTNTXVA
West7
AZCACONMNVORWA
Top Metro Areas by Place Specialization Score
Volume 113Mix 13.12% of portfolio
82/100
Exceptional
Volume 60Mix 6.97% of portfolio
73/100
Strong
Volume 129Mix 14.98% of portfolio
73/100
Strong
Volume 26Mix 3.02% of portfolio
56/100
Sound
Volume 32Mix 3.72% of portfolio
55/100
Sound
Volume 19Mix 2.21% of portfolio
49/100
Sound
Volume 20Mix 2.32% of portfolio
49/100
Sound
Volume 26Mix 3.02% of portfolio
49/100
Sound
Volume 20Mix 2.32% of portfolio
48/100
Sound
Volume 20Mix 2.32% of portfolio
46/100
SoundShowing 10 of 16 metro areas
Top States by Place Specialization Score
1
MassachusettsState
Volume 299Mix 34.73% of portfolio
77/100
Strong2
New HampshireState
Volume 112Mix 13.01% of portfolio
73/100
Strong3
New JerseyState
Volume 52Mix 6.04% of portfolio
57/100
Sound4
TexasState
Volume 50Mix 5.81% of portfolio
50/100
Sound5
GeorgiaState
Volume 33Mix 3.83% of portfolio
49/100
Sound6
CaliforniaState
Volume 41Mix 4.76% of portfolio
48/100
Sound7
North CarolinaState
Volume 32Mix 3.72% of portfolio
48/100
Sound8
ConnecticutState
Volume 16Mix 1.86% of portfolio
44/100
Sound9
FloridaState
Volume 28Mix 3.25% of portfolio
43/100
Sound10
PennsylvaniaState
Volume 19Mix 2.21% of portfolio
43/100
SoundShowing 10 of 16 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.