We analyzed every closed loan from Googain — 751 loans across 832 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 10 mkts
Awards
Refinance
Champion
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
Googain performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+0.5 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% 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
Multi-Regional · 10 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 | 688 | 91.6% | -0.038%Below | $585Credit | ||||
Jumbo Loans | 63 | 8.4% | +0.320%Above | $2,014Credit |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume688
Mix91.6%
Spread
-0.038%Below
Fees
$585Credit
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume63
Mix8.4%
Spread
+0.320%Above
Fees
$2,014Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 483 | 64.3% | +0.048%Above | $233Credit | ||||
Refinance | 268 | 35.7% | -0.090%Below | $1,879Credit |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume483
Mix64.3%
Spread
+0.048%Above
Fees
$233Credit
Refinance
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume268
Mix35.7%
Spread
-0.090%Below
Fees
$1,879Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
751
Applications
832
Volume
$491 million
Pricing & Closing
Avg Rate Spread
+0.005%
vs. market APOR
Avg Net Fees
$-754
Origination − Credits
Pullthrough Rate
90.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$654,601
Avg Borrower Income
$284,755
Avg Property Value
$1,192,204
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
7South3
FLNCTX
West4
AZCAORWA
Top Metro Areas by Place Specialization Score
Volume 217Mix 28.89% of portfolio
84/100
Exceptional
Volume 174Mix 23.17% of portfolio
80/100
Exceptional
Volume 62Mix 8.26% of portfolio
71/100
Strong
Volume 66Mix 8.79% of portfolio
63/100
Strong
Volume 57Mix 7.59% of portfolio
61/100
Strong
Volume 28Mix 3.73% of portfolio
58/100
Sound
Volume 27Mix 3.60% of portfolio
50/100
Sound
Volume 21Mix 2.80% of portfolio
50/100
Sound
Volume 10Mix 1.33% of portfolio
41/100
Sound
Volume 11Mix 1.46% of portfolio
40/100
AcceptableTop States by Place Specialization Score
1
CaliforniaState
Volume 714Mix 95.07% of portfolio
79/100
StrongHow 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.