Lendlo Mortgage
We analyzed every closed loan from Lendlo Mortgage — 3.1k loans across 4k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 13 mkts
Awards
VA
Champion
USDA
Champion
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
Lendlo Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+12.3 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
USDA
Exceptional
Top 10% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% 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 | 582 | 18.8% | +0.404%Above | $3,500Fees | ||||
FHA Loans | 1,845 | 59.7% | +0.149%Above | $3,002Fees | ||||
VA Loans | 389 | 12.6% | -1.152%Below | $49Fees | ||||
USDA Loans | 276 | 8.9% | -0.156%Below | $2,941Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume582
Mix18.8%
Spread
+0.404%Above
Fees
$3,500Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume1,845
Mix59.7%
Spread
+0.149%Above
Fees
$3,002Fees
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume389
Mix12.6%
Spread
-1.152%Below
Fees
$49Fees
USDA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume276
Mix8.9%
Spread
-0.156%Below
Fees
$2,941Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,091 | 100.0% | +0.122%Above | $2,960Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,091
Mix100.0%
Spread
+0.122%Above
Fees
$2,960Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,092
Applications
3,784
Volume
$695 million
Pricing & Closing
Avg Rate Spread
+0.123%
vs. market APOR
Avg Net Fees
$2,959
Origination − Credits
Pullthrough Rate
81.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$224,864
Avg Borrower Income
$85,128
Avg Property Value
$238,936
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Midwest2
KSMO
South4
ALAROKTX
Top Metro Areas by Place Specialization Score
Volume 356Mix 11.51% of portfolio
94/100
Exceptional
Volume 408Mix 13.20% of portfolio
88/100
Exceptional
Volume 403Mix 13.03% of portfolio
87/100
Exceptional
Volume 567Mix 18.34% of portfolio
84/100
Exceptional
Volume 48Mix 1.55% of portfolio
80/100
Strong
Volume 289Mix 9.35% of portfolio
79/100
Strong
Volume 440Mix 14.23% of portfolio
79/100
Strong
Volume 124Mix 4.01% of portfolio
76/100
Strong
Volume 48Mix 1.55% of portfolio
62/100
Strong
Volume 40Mix 1.29% of portfolio
58/100
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
ArkansasState
Volume 892Mix 28.85% of portfolio
89/100
Exceptional2
OklahomaState
Volume 826Mix 26.71% of portfolio
88/100
Exceptional3
TexasState
Volume 1,011Mix 32.70% of portfolio
80/100
Strong4
AlabamaState
Volume 303Mix 9.80% of portfolio
78/100
Strong5
KansasState
Volume 34Mix 1.10% of portfolio
53/100
Sound6
MissouriState
Volume 26Mix 0.84% of portfolio
45/100
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.