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We analyzed every closed loan from Goprime Mortgage — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Sound
Near-National · 13 mkts
Safe Rate Awards💎VA Champion💎USDA Champion⭐Purchase Superstar
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Safe Rate's 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
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Report Card
GoPrime Mortgage, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +10.5 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 20% 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 | Highly Competitive Top 40% of lenders Near-National14 markets | |
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 |
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 |
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
States Served
32
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
Pinehurst, NCMSA
Volume: 118Mix: 9.52%of portfolio
Place
Exceptional2
Bozeman, MT, MTMSA
Volume: 55Mix: 4.44%of portfolio
Place
Strong3
Asheville, NC, NCMSA
Volume: 76Mix: 6.13%of portfolio
Place
Strong4
Raleigh, NCMSA
Volume: 166Mix: 13.39%of portfolio
Place
Strong5
Fayetteville, NC, NCMSA
Volume: 51Mix: 4.11%of portfolio
Place
Strong6
Durham, NCMSA
Volume: 32Mix: 2.58%of portfolio
Place
Sound7
Virginia Beach, VA-NCMSA
Volume: 41Mix: 3.31%of portfolio
Place
Sound8
Charlotte, NC-SCMSA
Volume: 35Mix: 2.82%of portfolio
Place
Sound9
Hickory, NCMSA
Volume: 16Mix: 1.29%of portfolio
Place
Sound10
San Antonio, TXMSA
Volume: 14Mix: 1.13%of portfolio
Place
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
NCState
Volume: 650Mix: 52.42%of portfolio
Place
Strong2
KYState
Volume: 95Mix: 7.66%of portfolio
Place
Strong3
MTState
Volume: 73Mix: 5.89%of portfolio
Place
Strong4
ORState
Volume: 80Mix: 6.45%of portfolio
Place
Strong5
VAState
Volume: 72Mix: 5.81%of portfolio
Place
Sound6
TXState
Volume: 59Mix: 4.76%of portfolio
Place
Sound7
SCState
Volume: 28Mix: 2.26%of portfolio
Place
Sound8
WAState
Volume: 20Mix: 1.61%of portfolio
Place
Sound9
FLState
Volume: 34Mix: 2.74%of portfolio
Place
Sound10
ALState
Volume: 17Mix: 1.37%of portfolio
Place
SoundShowing 10 of 13 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.