We analyzed every closed loan from GoodLeap — 6.2k loans across 14k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 49 mkts
Awards
FHA
Superstar
VA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
GoodLeap performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 4.7 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,222 | 52.3% | +0.048%Above | $2,988Fees | ||||
FHA Loans | 2,237 | 36.3% | -0.041%Below | $4,873Fees | ||||
VA Loans | 704 | 11.4% | -0.493%Below | $5,371Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume3,222
Mix52.3%
Spread
+0.048%Above
Fees
$2,988Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume2,237
Mix36.3%
Spread
-0.041%Below
Fees
$4,873Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume704
Mix11.4%
Spread
-0.493%Below
Fees
$5,371Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 26 | 0.4% | +0.424%Above | $2,774Fees | ||||
Refinance | 6,138 | 99.6% | -0.052%Below | $3,920Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
Volume26
Mix0.4%
Spread
+0.424%Above
Fees
$2,774Fees
Refinance
OverallStrong
ProductExceptional
PricingSound
Pull ThroughSound
Volume6,138
Mix99.6%
Spread
-0.052%Below
Fees
$3,920Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,164
Applications
13,660
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.047%
vs. market APOR
Avg Net Fees
$3,908
Origination − Credits
Pullthrough Rate
45.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$192,896
Avg Borrower Income
$78,284
Avg Property Value
$335,054
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
35
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
35Northeast5
CTMEMANJPA
Midwest7
INKSMIMNMOOHWI
South13
ALARDCDEFLGAMDNCOKSCTNTXVA
West10
AZCACOHIIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 210Mix 3.41% of portfolio
72/100
Strong
Volume 203Mix 3.29% of portfolio
67/100
Strong
Volume 178Mix 2.89% of portfolio
67/100
Strong
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 114Mix 1.85% of portfolio
67/100
Strong
Volume 110Mix 1.78% of portfolio
66/100
Strong
Volume 190Mix 3.08% of portfolio
66/100
Strong
Volume 152Mix 2.47% of portfolio
65/100
Strong
Volume 128Mix 2.08% of portfolio
64/100
Strong
Volume 89Mix 1.44% of portfolio
64/100
Strong
Volume 88Mix 1.43% of portfolio
63/100
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
TexasState
Volume 900Mix 14.60% of portfolio
76/100
Strong2
IndianaState
Volume 430Mix 6.98% of portfolio
73/100
Strong3
OhioState
Volume 376Mix 6.10% of portfolio
70/100
Strong4
VirginiaState
Volume 252Mix 4.09% of portfolio
70/100
Strong5
ArizonaState
Volume 287Mix 4.66% of portfolio
69/100
Strong6
CaliforniaState
Volume 511Mix 8.29% of portfolio
69/100
Strong7
FloridaState
Volume 476Mix 7.72% of portfolio
68/100
Strong8
GeorgiaState
Volume 276Mix 4.48% of portfolio
68/100
Strong9
NevadaState
Volume 142Mix 2.30% of portfolio
68/100
Strong10
PennsylvaniaState
Volume 244Mix 3.96% of portfolio
67/100
StrongShowing 10 of 32 states
How 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.