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We analyzed every closed loan from Geo-Corp — 862 loans across 1k 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
Strong
4/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 15 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Rates typically 105 basis points above market average
- Higher than average fees ($5,660)
Explore another lender or local market
Report Card
Geo-Corp performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+104.6 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
165 loans · 0.56% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
692 loans · 1.34% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
826 loans · 1.05% above market
Sound
Top 60% of lenders
3/5
Refinance
36 loans · 0.92% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 16 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 165 | 19.1% | +0.557%Above | $4,044Fees | ||||
FHA Loans | 692 | 80.3% | +1.336%Above | $6,615Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume165
Mix19.1%
Spread
+0.557%Above
Fees
$4,044Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume692
Mix80.3%
Spread
+1.336%Above
Fees
$6,615Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 826 | 95.8% | +1.054%Above | $5,834Fees | ||||
Refinance | 36 | 4.2% | +0.921%Above | $2,786Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume826
Mix95.8%
Spread
+1.054%Above
Fees
$5,834Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume36
Mix4.2%
Spread
+0.921%Above
Fees
$2,786Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
862
Applications
1,433
Volume
$426 million
Pricing & Closing
Avg Rate Spread
+1.046%
vs. market APOR
Avg Net Fees
$5,660
Origination − Credits
Pullthrough Rate
60.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$495,278
Avg Borrower Income
$143,900
Avg Property Value
$549,977
Geographic Coverage
Geographic Performance
Metro Areas
15
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
17Full-year 2024 · HMDALoans originated
< 5050–100100+None
Northeast2
NJPA
South9
ALFLGAMDNCSCTNTXVA
West6
AZCACONVORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 15 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.