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We analyzed every closed loan from Filo Mortgage — 1.9k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Strong
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Strong
FHA · Conventional · VA
Place
Sound
Near-National · 49 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
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Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
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Report Card
Filo Mortgage, L.L.C. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive +13.9 bps above market avg | |
Pull Through Closing strength | Near industry average Bottom 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,366 | 72.1% | +0.192%Above | $566Fees | ||||
FHA Loans | 363 | 19.2% | +0.215%Above | $327Fees | ||||
VA Loans | 159 | 8.4% | -0.579%Below | $512Credit |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,325 | 70.0% | +0.194%Above | $697Fees | ||||
Refinance | 569 | 30.0% | -0.099%Below | $692Credit |
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,894
Applications
3,805
Volume
$729 million
Pricing & Closing
Avg Rate Spread
+0.139%
vs. market APOR
Avg Net Fees
$439
Origination − Credits
Pullthrough Rate
49.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$385,211
Avg Borrower Income
$157,548
Avg Property Value
$503,200
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
27
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALAZCACOCTDEFLGAIAILINLAMDMIMNNCNJOHORPASCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Auburn, ALMSA
Volume: 47Mix: 2.48%of portfolio
Place
Strong2
Montgomery County, PAMSA
Volume: 68Mix: 3.59%of portfolio
Place
Strong3
Tampa, FL, FLMSA
Volume: 56Mix: 2.96%of portfolio
Place
Sound4
Harrisburg, PAMSA
Volume: 32Mix: 1.69%of portfolio
Place
Sound5
Dallas, TXMSA
Volume: 62Mix: 3.27%of portfolio
Place
Sound6
Atlanta, GAMSA
Volume: 58Mix: 3.06%of portfolio
Place
Sound7
Toledo, OH, OHMSA
Volume: 28Mix: 1.48%of portfolio
Place
Sound8
Orlando, FLMSA
Volume: 43Mix: 2.27%of portfolio
Place
Sound9
Jacksonville, FL, FLMSA
Volume: 37Mix: 1.95%of portfolio
Place
Sound10
Phoenix, AZMSA
Volume: 52Mix: 2.75%of portfolio
Place
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 345Mix: 18.22%of portfolio
Place
Strong2
PAState
Volume: 186Mix: 9.82%of portfolio
Place
Strong3
GAState
Volume: 124Mix: 6.55%of portfolio
Place
Strong4
TXState
Volume: 180Mix: 9.50%of portfolio
Place
Strong5
ALState
Volume: 75Mix: 3.96%of portfolio
Place
Strong6
VAState
Volume: 81Mix: 4.28%of portfolio
Place
Sound7
WAState
Volume: 70Mix: 3.70%of portfolio
Place
Sound8
AZState
Volume: 74Mix: 3.91%of portfolio
Place
Sound9
ILState
Volume: 77Mix: 4.07%of portfolio
Place
Sound10
MIState
Volume: 77Mix: 4.07%of portfolio
Place
SoundShowing 10 of 25 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.