We analyzed every closed loan from Loanpeople — 1.6k 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
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 10 mkts
Awards
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Loanpeople performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+22.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% 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
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 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 | 1,113 | 68.1% | +0.163%Above | $3,454Fees | ||||
FHA Loans | 314 | 19.2% | +0.646%Above | $3,363Fees | ||||
VA Loans | 180 | 11.0% | -0.194%Below | $3,834Fees | ||||
Jumbo Loans | — | 26 | 1.6% | +0.555%Above | $2,308Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,113
Mix68.1%
Spread
+0.163%Above
Fees
$3,454Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume314
Mix19.2%
Spread
+0.646%Above
Fees
$3,363Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume180
Mix11.0%
Spread
-0.194%Below
Fees
$3,834Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume26
Mix1.6%
Spread
+0.555%Above
Fees
$2,308Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,479 | 90.5% | +0.230%Above | $3,406Fees | ||||
Refinance | 156 | 9.5% | +0.209%Above | $3,905Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,479
Mix90.5%
Spread
+0.230%Above
Fees
$3,406Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume156
Mix9.5%
Spread
+0.209%Above
Fees
$3,905Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,635
Applications
2,308
Volume
$607 million
Pricing & Closing
Avg Rate Spread
+0.228%
vs. market APOR
Avg Net Fees
$3,452
Origination − Credits
Pullthrough Rate
70.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$371,269
Avg Borrower Income
$177,849
Avg Property Value
$484,223
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8South6
ALARFLOKTNTX
West2
CONM
Top Metro Areas by Place Specialization Score
Volume 699Mix 42.75% of portfolio
96/100
Exceptional
Volume 313Mix 19.14% of portfolio
90/100
Exceptional
Volume 145Mix 8.87% of portfolio
73/100
Strong
Volume 159Mix 9.72% of portfolio
70/100
Strong
Volume 94Mix 5.75% of portfolio
62/100
Strong
Volume 17Mix 1.04% of portfolio
49/100
Sound
Volume 28Mix 1.71% of portfolio
48/100
Sound
8© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 19Mix 1.16% of portfolio
46/100
Sound
Volume 13Mix 0.80% of portfolio
44/100
Sound
Volume 11Mix 0.67% of portfolio
41/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 1,443Mix 88.26% of portfolio
86/100
Exceptional2
FloridaState
Volume 158Mix 9.66% of portfolio
60/100
Strong3
New MexicoState
Volume 20Mix 1.22% of portfolio
47/100
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.