GoPrime Mortgage
We analyzed every closed loan from GoPrime Mortgage — 1.2k loans across 2k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Near-National · 13 mkts
Awards
VA
Champion
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
GoPrime Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+10.5 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
FHA
Strong
Top 40% of lenders
VA
Exceptional
Top 20% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 14 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 | 526 | 42.4% | +0.273%Above | $3,156Fees | ||||
FHA Loans | 169 | 13.6% | +0.765%Above | $3,006Fees | ||||
VA Loans | 499 | 40.2% | -0.345%Below | $1,448Fees | ||||
USDA Loans | 39 | 3.1% | +0.274%Above | $1,281Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume526
Mix42.4%
Spread
+0.273%Above
Fees
$3,156Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume169
Mix13.6%
Spread
+0.765%Above
Fees
$3,006Fees
VA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume499
Mix40.2%
Spread
-0.345%Below
Fees
$1,448Fees
USDA Loans
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume39
Mix3.1%
Spread
+0.274%Above
Fees
$1,281Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,177 | 94.9% | +0.110%Above | $2,374Fees | ||||
Refinance | 63 | 5.1% | +0.033%Above | $2,939Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,177
Mix94.9%
Spread
+0.110%Above
Fees
$2,374Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume63
Mix5.1%
Spread
+0.033%Above
Fees
$2,939Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,240
Applications
1,567
Volume
$437 million
Pricing & Closing
Avg Rate Spread
+0.105%
vs. market APOR
Avg Net Fees
$2,412
Origination − Credits
Pullthrough Rate
79.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$353,177
Avg Borrower Income
$129,490
Avg Property Value
$424,774
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
32
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
32Northeast3
MENJPA
Midwest5
INMIMNOHWI
South14
ALDCFLGAKYMDMSNCOKSCTNTXVAWV
West10
AKAZCACOIDMTNVORWAWY
Top Metro Areas by Place Specialization Score
Volume 118Mix 9.52% of portfolio
97/100
Exceptional
Volume 55Mix 4.44% of portfolio
80/100
Strong
Volume 76Mix 6.13% of portfolio
78/100
Strong
Volume 166Mix 13.39% of portfolio
77/100
Strong
Volume 51Mix 4.11% of portfolio
67/100
Strong
Volume 32Mix 2.58% of portfolio
59/100
Sound
Volume 41Mix 3.31% of portfolio
57/100
Sound
Volume 35Mix 2.82% of portfolio
54/100
Sound
Volume 16Mix 1.29% of portfolio
48/100
Sound
Volume 14Mix 1.13% of portfolio
42/100
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
North CarolinaState
Volume 650Mix 52.42% of portfolio
79/100
Strong2
KentuckyState
Volume 95Mix 7.66% of portfolio
65/100
Strong3
MontanaState
Volume 73Mix 5.89% of portfolio
65/100
Strong4
OregonState
Volume 80Mix 6.45% of portfolio
63/100
Strong5
VirginiaState
Volume 72Mix 5.81% of portfolio
59/100
Sound6
TexasState
Volume 59Mix 4.76% of portfolio
50/100
Sound7
South CarolinaState
Volume 28Mix 2.26% of portfolio
49/100
Sound8
WashingtonState
Volume 20Mix 1.61% of portfolio
45/100
Sound9
FloridaState
Volume 34Mix 2.74% of portfolio
44/100
Sound10
AlabamaState
Volume 17Mix 1.37% of portfolio
44/100
SoundShowing 10 of 13 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.