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We analyzed every closed loan from Lendlo Mortgage — 3.1k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Strong
Multi-Region · 13 mkts
Safe Rate Awards💎VA Champion💎USDA Champion⭐FHA Superstar⭐Purchase Superstar
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Lendlo Mortgage, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +12.3 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 10% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% 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 | 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 |
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 |
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
States Served
6
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARKSMOOKTX
Top Metro Areas by Place Specialization Score
1
Little Rock, ARMSA
Volume: 356Mix: 11.51%of portfolio
Place
Exceptional2
Oklahoma City, OK, OKMSA
Volume: 408Mix: 13.20%of portfolio
Place
Exceptional3
Fayetteville, ARMSA
Volume: 403Mix: 13.03%of portfolio
Place
Exceptional4
San Antonio, TXMSA
Volume: 567Mix: 18.34%of portfolio
Place
Exceptional5
Jonesboro, AR, ARMSA
Volume: 48Mix: 1.55%of portfolio
Place
Strong6
Tulsa, OK, OKMSA
Volume: 289Mix: 9.35%of portfolio
Place
Strong7
Houston, TXMSA
Volume: 440Mix: 14.23%of portfolio
Place
Strong8
Birmingham, AL, ALMSA
Volume: 124Mix: 4.01%of portfolio
Place
Strong9
Huntsville, AL, ALMSA
Volume: 48Mix: 1.55%of portfolio
Place
Strong10
Tuscaloosa, AL, ALMSA
Volume: 40Mix: 1.29%of portfolio
Place
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
ARState
Volume: 892Mix: 28.85%of portfolio
Place
Exceptional2
OKState
Volume: 826Mix: 26.71%of portfolio
Place
Exceptional3
TXState
Volume: 1,011Mix: 32.70%of portfolio
Place
Strong4
ALState
Volume: 303Mix: 9.80%of portfolio
Place
Strong5
KSState
Volume: 34Mix: 1.10%of portfolio
Place
Sound6
MOState
Volume: 26Mix: 0.84%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.
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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.