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We analyzed every closed loan from Go Mortgage — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
Near-National · 22 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 52 basis points above market average
Explore another lender or local market
Report Card
Go Mortgage, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +52.2 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 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 | |
Jumbo | Industry Standard Top 60% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Industry Standard Top 60% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National23 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 975 | 66.7% | +0.454%Above | $3,530Fees | ||||
FHA Loans | 357 | 24.4% | +0.833%Above | $3,958Fees | ||||
VA Loans | 98 | 6.7% | -0.017%Below | $3,966Fees | ||||
Jumbo Loans | — | 12 | 0.8% | +0.415%Above | $6,115Fees | |||
USDA Loans | — | 20 | 1.4% | +0.397%Above | $2,143Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,398 | 95.6% | +0.540%Above | $3,642Fees | ||||
Refinance | 64 | 4.4% | +0.209%Above | $3,757Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,462
Applications
2,047
Volume
$471 million
Pricing & Closing
Avg Rate Spread
+0.522%
vs. market APOR
Avg Net Fees
$3,649
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$322,428
Avg Borrower Income
$133,855
Avg Property Value
$396,006
Geographic Coverage
Geographic Performance
Metro Areas
22
States Served
31
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Winchester, VA, VA-WVMSA
Volume: 82Mix: 5.61%of portfolio
Place
Exceptional2
Columbus, OH, OHMSA
Volume: 333Mix: 22.78%of portfolio
Place
Exceptional3
Florence, SC, SCMSA
Volume: 35Mix: 2.39%of portfolio
Place
Strong4
Greenville, SCMSA
Volume: 69Mix: 4.72%of portfolio
Place
Strong5
Spartanburg, SC, SCMSA
Volume: 50Mix: 3.42%of portfolio
Place
Strong6
Montgomery County, PAMSA
Volume: 74Mix: 5.06%of portfolio
Place
Strong7
Philadelphia, PA, PAMSA
Volume: 60Mix: 4.10%of portfolio
Place
Strong8
St. Petersburg, FLMSA
Volume: 33Mix: 2.26%of portfolio
Place
Sound9
Arlington, VA-WVMSA
Volume: 47Mix: 3.21%of portfolio
Place
Sound10
Hagerstown, MD-WVMSA
Volume: 26Mix: 1.78%of portfolio
Place
SoundShowing 10 of 22 metro areas
Top States by Place Specialization Score
1
OHState
Volume: 454Mix: 31.05%of portfolio
Place
Strong2
SCState
Volume: 192Mix: 13.13%of portfolio
Place
Strong3
VAState
Volume: 189Mix: 12.93%of portfolio
Place
Strong4
PAState
Volume: 172Mix: 11.76%of portfolio
Place
Strong5
WIState
Volume: 68Mix: 4.65%of portfolio
Place
Sound6
WVState
Volume: 37Mix: 2.53%of portfolio
Place
Sound7
MNState
Volume: 58Mix: 3.97%of portfolio
Place
Sound8
FLState
Volume: 89Mix: 6.09%of portfolio
Place
Sound9
INState
Volume: 39Mix: 2.67%of portfolio
Place
Sound10
NJState
Volume: 27Mix: 1.85%of portfolio
Place
SoundShowing 10 of 15 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.