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HARBORONE MORTGAGE, LLC
Independent Mortgage Company|BOSTON, MA|Multi-Region
Loans Originated
1,453
Applications
2,033
Volume
$620 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.169%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,265
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.5%
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 and Jumbo loans
Report Card
HARBORONE MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 14 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$427,340
Average Borrower Income
$170,847
Average Property Value
$583,369
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 1,221 | 84.0% | +0.144% | $2,319 |
FHA Loans | Strong | Strong | Sound | Strong | 132 | 9.1% | +0.527% | $2,858 |
VA Loans | Strong | Strong | Strong | Strong | 45 | 3.1% | -0.147% | $428 |
Jumbo Loans | Sound | Strong | Sound | Sound | 53 | 3.6% | +0.106% | $691 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 1,277 | 87.9% | +0.173% | $2,231 |
Refinance | Sound | Strong | Sound | Sound | 176 | 12.1% | +0.142% | $2,507 |
Geographic Coverage
Metro Areas
13
States Served
11
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTFLMAMENCNHNJPARISCVT
Top Metro Areas by Place Specialization Score
1
Amherst Town, MAMSA
Volume: 110Mix: 7.57%
Place Specialization
Exceptional
2
Manchester, NHMSA
Volume: 112Mix: 7.71%
Place Specialization
Exceptional
3
Portland, MEMSA
Volume: 120Mix: 8.26%
Place Specialization
Strong
4
Boston, MA, MAMSA
Volume: 188Mix: 12.94%
Place Specialization
Strong
5
Providence, RI-MAMSA
Volume: 150Mix: 10.32%
Place Specialization
Strong
6
Rockingham County, NHMSA
Volume: 94Mix: 6.47%
Place Specialization
Strong
7
Cambridge, MAMSA
Volume: 162Mix: 11.15%
Place Specialization
Strong
8
Worcester, MA, MAMSA
Volume: 74Mix: 5.09%
Place Specialization
Strong
9
Lewiston, MEMSA
Volume: 37Mix: 2.55%
Place Specialization
Strong
10
Springfield, MA, MAMSA
Volume: 49Mix: 3.37%
Place Specialization
Strong
Showing 10 of 13 metro areas
Top States by Place Specialization Score
1
NHState
Volume: 328Mix: 22.57%
Place Specialization
Exceptional
2
MAState
Volume: 701Mix: 48.25%
Place Specialization
Exceptional
3
MEState
Volume: 198Mix: 13.63%
Place Specialization
Strong
4
RIState
Volume: 106Mix: 7.30%
Place Specialization
Strong
5
NJState
Volume: 53Mix: 3.65%
Place Specialization
Sound
6
FLState
Volume: 31Mix: 2.13%
Place Specialization
Sound
7
CTState
Volume: 14Mix: 0.96%
Place Specialization
Sound
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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