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GO MORTGAGE, LLC
Independent Mortgage Company|Wilmington, DE|Near-National
Loans Originated
1,462
Applications
2,047
Volume
$471 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.522%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,649
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.4%
Percentage of applications that result in closed loans
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
Report Card
GO MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 23 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$322,428
Average Borrower Income
$133,855
Average Property Value
$396,006
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 975 | 66.7% | +0.454% | $3,530 |
FHA Loans | Sound | Strong | Mediocre | Strong | 357 | 24.4% | +0.833% | $3,958 |
VA Loans | Sound | Strong | Mediocre | Strong | 98 | 6.7% | -0.017% | $3,966 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 12 | 0.8% | +0.415% | $6,115 |
USDA Loans | Acceptable | Sound | N/A | Acceptable | 20 | 1.4% | +0.397% | $2,143 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 1,398 | 95.6% | +0.540% | $3,642 |
Refinance | Acceptable | Sound | Mediocre | Acceptable | 64 | 4.4% | +0.209% | $3,757 |
Geographic Coverage
Metro Areas
22
States Served
31
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Winchester, VA, VA-WVMSA
Volume: 82Mix: 5.61%
Place Specialization
Exceptional
2
Columbus, OH, OHMSA
Volume: 333Mix: 22.78%
Place Specialization
Exceptional
3
Florence, SC, SCMSA
Volume: 35Mix: 2.39%
Place Specialization
Strong
4
Greenville, SCMSA
Volume: 69Mix: 4.72%
Place Specialization
Strong
5
Spartanburg, SC, SCMSA
Volume: 50Mix: 3.42%
Place Specialization
Strong
6
Montgomery County, PAMSA
Volume: 74Mix: 5.06%
Place Specialization
Strong
7
Philadelphia, PA, PAMSA
Volume: 60Mix: 4.10%
Place Specialization
Strong
8
St. Petersburg, FLMSA
Volume: 33Mix: 2.26%
Place Specialization
Sound
9
Arlington, VA-WVMSA
Volume: 47Mix: 3.21%
Place Specialization
Sound
10
Hagerstown, MD-WVMSA
Volume: 26Mix: 1.78%
Place Specialization
Sound
Showing 10 of 22 metro areas
Top States by Place Specialization Score
1
OHState
Volume: 454Mix: 31.05%
Place Specialization
Strong
2
SCState
Volume: 192Mix: 13.13%
Place Specialization
Strong
3
VAState
Volume: 189Mix: 12.93%
Place Specialization
Strong
4
PAState
Volume: 172Mix: 11.76%
Place Specialization
Strong
5
WIState
Volume: 68Mix: 4.65%
Place Specialization
Sound
6
WVState
Volume: 37Mix: 2.53%
Place Specialization
Sound
7
MNState
Volume: 58Mix: 3.97%
Place Specialization
Sound
8
FLState
Volume: 89Mix: 6.09%
Place Specialization
Sound
9
INState
Volume: 39Mix: 2.67%
Place Specialization
Sound
10
NJState
Volume: 27Mix: 1.85%
Place Specialization
Sound
Showing 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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