H
We analyzed every closed loan from Harborone Mortgage — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Strong
Multi-Region · 13 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Shopping for a Mortgage?
Save Harborone Mortgage or ask our AI assistant to explore your options.
Safe Rate's 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, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +16.9 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional14 markets | |
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 |
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 |
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
States Served
11
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
CTFLMAMENCNHNJPARISCVT
Top Metro Areas by Place Specialization Score
1
Amherst Town, MAMSA
Volume: 110Mix: 7.57%of portfolio
Place
Exceptional2
Manchester, NHMSA
Volume: 112Mix: 7.71%of portfolio
Place
Exceptional3
Portland, MEMSA
Volume: 120Mix: 8.26%of portfolio
Place
Strong4
Boston, MA, MAMSA
Volume: 188Mix: 12.94%of portfolio
Place
Strong5
Providence, RI-MAMSA
Volume: 150Mix: 10.32%of portfolio
Place
Strong6
Rockingham County, NHMSA
Volume: 94Mix: 6.47%of portfolio
Place
Strong7
Cambridge, MAMSA
Volume: 162Mix: 11.15%of portfolio
Place
Strong8
Worcester, MA, MAMSA
Volume: 74Mix: 5.09%of portfolio
Place
Strong9
Lewiston, MEMSA
Volume: 37Mix: 2.55%of portfolio
Place
Strong10
Springfield, MA, MAMSA
Volume: 49Mix: 3.37%of portfolio
Place
StrongShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
NHState
Volume: 328Mix: 22.57%of portfolio
Place
Exceptional2
MAState
Volume: 701Mix: 48.25%of portfolio
Place
Exceptional3
MEState
Volume: 198Mix: 13.63%of portfolio
Place
Strong4
RIState
Volume: 106Mix: 7.30%of portfolio
Place
Strong5
NJState
Volume: 53Mix: 3.65%of portfolio
Place
Sound6
FLState
Volume: 31Mix: 2.13%of portfolio
Place
Sound7
CTState
Volume: 14Mix: 0.96%of portfolio
Place
SoundHow 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.
Looking for a different lender?
Are you the owner of Harborone Mortgage, LLC?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.