We analyzed every closed loan from Keesler — 417 loans across 853 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 5 mkts
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 42.40 basis points below market average
- Lower than average lender fees
- Particularly strong in FHA and VA loans
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Report Card
Keesler performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 42.4 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 6 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 | 99 | 23.7% | +0.138%Above | $875Fees | ||||
FHA Loans | 229 | 54.9% | -0.451%Below | $404Fees | ||||
VA Loans | 84 | 20.1% | -1.069%Below | $686Fees |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume99
Mix23.7%
Spread
+0.138%Above
Fees
$875Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume229
Mix54.9%
Spread
-0.451%Below
Fees
$404Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume84
Mix20.1%
Spread
-1.069%Below
Fees
$686Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 347 | 83.2% | -0.436%Below | $465Fees | ||||
Refinance | 70 | 16.8% | -0.361%Below | $1,052Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume347
Mix83.2%
Spread
-0.436%Below
Fees
$465Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume70
Mix16.8%
Spread
-0.361%Below
Fees
$1,052Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
417
Applications
853
Volume
$98 million
Pricing & Closing
Avg Rate Spread
-0.424%
vs. market APOR
Avg Net Fees
$562
Origination − Credits
Pullthrough Rate
48.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$235,647
Avg Borrower Income
$104,863
Avg Property Value
$283,321
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
4South4
ALFLLAMS
Top Metro Areas by Place Specialization Score
Volume 251Mix 60.19% of portfolio
100/100
Exceptional
Volume 36Mix 8.63% of portfolio
62/100
Strong
Volume 16Mix 3.84% of portfolio
53/100
Sound
Volume 15Mix 3.60% of portfolio
51/100
Sound
Volume 14Mix 3.36% of portfolio
51/100
SoundTop States by Place Specialization Score
1
MississippiState
Volume 364Mix 87.29% of portfolio
86/100
Exceptional2
LouisianaState
Volume 26Mix 6.24% of portfolio
51/100
Sound3
AlabamaState
Volume 19Mix 4.56% of portfolio
48/100
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.