Harborone Mortgage
We analyzed every closed loan from Harborone Mortgage — 1.5k 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
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 13 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Harborone Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+16.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 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 | 1,221 | 84.0% | +0.144%Above | $2,319Fees | ||||
FHA Loans | 132 | 9.1% | +0.527%Above | $2,858Fees | ||||
VA Loans | 45 | 3.1% | -0.147%Below | $428Fees | ||||
Jumbo Loans | 53 | 3.6% | +0.106%Above | $691Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,221
Mix84.0%
Spread
+0.144%Above
Fees
$2,319Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume132
Mix9.1%
Spread
+0.527%Above
Fees
$2,858Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume45
Mix3.1%
Spread
-0.147%Below
Fees
$428Fees
Jumbo Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume53
Mix3.6%
Spread
+0.106%Above
Fees
$691Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,277 | 87.9% | +0.173%Above | $2,231Fees | ||||
Refinance | 176 | 12.1% | +0.142%Above | $2,507Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,277
Mix87.9%
Spread
+0.173%Above
Fees
$2,231Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume176
Mix12.1%
Spread
+0.142%Above
Fees
$2,507Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,453
Applications
2,033
Volume
$620 million
Pricing & Closing
Avg Rate Spread
+0.169%
vs. market APOR
Avg Net Fees
$2,265
Origination − Credits
Pullthrough Rate
71.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$427,340
Avg Borrower Income
$170,847
Avg Property Value
$583,369
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Northeast8
CTMEMANHNJPARIVT
South3
FLNCSC
Top Metro Areas by Place Specialization Score
Volume 110Mix 7.57% of portfolio
98/100
Exceptional
Volume 112Mix 7.71% of portfolio
83/100
Exceptional
Volume 120Mix 8.26% of portfolio
78/100
Strong
Volume 188Mix 12.94% of portfolio
78/100
Strong
Volume 150Mix 10.32% of portfolio
77/100
Strong
Volume 94Mix 6.47% of portfolio
77/100
Strong
Volume 162Mix 11.15% of portfolio
74/100
Strong
Volume 74Mix 5.09% of portfolio
73/100
Strong
Volume 37Mix 2.55% of portfolio
69/100
Strong
Volume 49Mix 3.37% of portfolio
67/100
StrongShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
New HampshireState
Volume 328Mix 22.57% of portfolio
86/100
Exceptional2
MassachusettsState
Volume 701Mix 48.25% of portfolio
85/100
Exceptional3
MaineState
Volume 198Mix 13.63% of portfolio
77/100
Strong4
Rhode IslandState
Volume 106Mix 7.30% of portfolio
73/100
Strong5
New JerseyState
Volume 53Mix 3.65% of portfolio
56/100
Sound6
FloridaState
Volume 31Mix 2.13% of portfolio
43/100
Sound7
ConnecticutState
Volume 14Mix 0.96% of portfolio
42/100
SoundHow 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.