We analyzed every closed loan from DSLD Mortgage — 2.7k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Multi-Region · 16 mkts
Awards
Conventional
Champion
FHA
Champion
VA
Champion
USDA
Champion
Purchase
Champion
Summary
What They Do Well
- Offers rates 30.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
DSLD Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 30.6 bps below market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 16 markets
Exceptional
Top 20% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,205 | 43.9% | -0.288%Below | $109Fees | ||||
FHA Loans | 876 | 31.9% | -0.097%Below | $61Fees | ||||
VA Loans | 519 | 18.9% | -0.785%Below | $114Fees | ||||
USDA Loans | 142 | 5.2% | -0.532%Below | $140Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,205
Mix43.9%
Spread
-0.288%Below
Fees
$109Fees
FHA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume876
Mix31.9%
Spread
-0.097%Below
Fees
$61Fees
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume519
Mix18.9%
Spread
-0.785%Below
Fees
$114Fees
USDA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume142
Mix5.2%
Spread
-0.532%Below
Fees
$140Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,703 | 98.6% | -0.307%Below | $53Fees | ||||
Refinance | 39 | 1.4% | -0.263%Below | $1,851Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume2,703
Mix98.6%
Spread
-0.307%Below
Fees
$53Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume39
Mix1.4%
Spread
-0.263%Below
Fees
$1,851Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,742
Applications
3,765
Volume
$720 million
Pricing & Closing
Avg Rate Spread
-0.306%
vs. market APOR
Avg Net Fees
$94
Origination − Credits
Pullthrough Rate
72.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$262,582
Avg Borrower Income
$103,825
Avg Property Value
$298,085
Geographic Coverage
Geographic Performance
Metro Areas
16
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
6South6
ALFLLAMSTNTX
Top Metro Areas by Place Specialization Score
Volume 413Mix 15.06% of portfolio
100/100
Exceptional
Volume 159Mix 5.80% of portfolio
100/100
Exceptional
Volume 200Mix 7.29% of portfolio
99/100
Exceptional
Volume 153Mix 5.58% of portfolio
97/100
Exceptional
Volume 263Mix 9.59% of portfolio
95/100
Exceptional
Volume 566Mix 20.64% of portfolio
89/100
Exceptional
Volume 98Mix 3.57% of portfolio
87/100
Exceptional
Volume 146Mix 5.32% of portfolio
86/100
Exceptional
Volume 141Mix 5.14% of portfolio
85/100
Exceptional
Volume 180Mix 6.56% of portfolio
83/100
ExceptionalShowing 10 of 16 metro areas
Top States by Place Specialization Score
1
LouisianaState
Volume 1,884Mix 68.71% of portfolio
96/100
Exceptional2
AlabamaState
Volume 291Mix 10.61% of portfolio
78/100
Strong3
MississippiState
Volume 264Mix 9.63% of portfolio
76/100
Strong4
FloridaState
Volume 241Mix 8.79% of portfolio
63/100
Strong5
TexasState
Volume 61Mix 2.22% of portfolio
48/100
SoundHow 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.