We analyzed every closed loan from Gesa — 407 loans across 668 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 7 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,495)
Explore another lender or local market
Report Card
Gesa performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Rates 7.3 bps below market avg
Pull Through
Closing strength
Strong
Top 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
Regional · 8 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 395 | 97.1% | -0.063%Below | $4,447Fees | ||||
Jumbo Loans | — | — | 12 | 2.9% | -0.637%Below | $6,968Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume395
Mix97.1%
Spread
-0.063%Below
Fees
$4,447Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume12
Mix2.9%
Spread
-0.637%Below
Fees
$6,968Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 321 | 78.9% | -0.043%Below | $4,653Fees | ||||
Refinance | 86 | 21.1% | -0.180%Below | $3,948Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume321
Mix78.9%
Spread
-0.043%Below
Fees
$4,653Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume86
Mix21.1%
Spread
-0.180%Below
Fees
$3,948Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
407
Applications
668
Volume
$151 million
Pricing & Closing
Avg Rate Spread
-0.073%
vs. market APOR
Avg Net Fees
$4,495
Origination − Credits
Pullthrough Rate
60.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$372,494
Avg Borrower Income
$135,049
Avg Property Value
$496,474
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
3West3
IDORWA
Top Metro Areas by Place Specialization Score
Volume 167Mix 41.03% of portfolio
95/100
Exceptional
Volume 48Mix 11.79% of portfolio
70/100
Strong
Volume 40Mix 9.83% of portfolio
69/100
Strong
Volume 17Mix 4.18% of portfolio
59/100
Sound
Volume 17Mix 4.18% of portfolio
59/100
Sound
Volume 13Mix 3.19% of portfolio
44/100
Sound
Volume 10Mix 2.46% of portfolio
42/100
SoundTop States by Place Specialization Score
1
WashingtonState
Volume 378Mix 92.87% of portfolio
84/100
Exceptional2
IdahoState
Volume 16Mix 3.93% of portfolio
46/100
Sound3
OregonState
Volume 13Mix 3.19% of portfolio
43/100
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.