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We analyzed every closed loan from Mortgage 1 Incorporated — 3.5k 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
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 15 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Rates typically 55 basis points above market average
Explore another lender or local market
Report Card
Mortgage 1 Incorporated performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+54.8 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,568 loans · 0.51% above market
Exceptional
Top 20% of lenders
5/5
FHA
695 loans · 0.91% above market
Exceptional
Top 20% of lenders
5/5
VA
150 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
USDA
47 loans · 0.53% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
3,078 loans · 0.55% above market
Exceptional
Top 20% of lenders
5/5
Refinance
387 loans · 0.51% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 16 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,568 | 74.1% | +0.505%Above | $2,528Fees | ||||
FHA Loans | 695 | 20.1% | +0.909%Above | $3,808Fees | ||||
VA Loans | 150 | 4.3% | +0.010%Above | $2,881Fees | ||||
USDA Loans | — | 47 | 1.4% | +0.530%Above | $3,139Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,568
Mix74.1%
Spread
+0.505%Above
Fees
$2,528Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume695
Mix20.1%
Spread
+0.909%Above
Fees
$3,808Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume150
Mix4.3%
Spread
+0.010%Above
Fees
$2,881Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughStrong
Volume47
Mix1.4%
Spread
+0.530%Above
Fees
$3,139Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,078 | 88.8% | +0.554%Above | $2,760Fees | ||||
Refinance | 387 | 11.2% | +0.511%Above | $2,557Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,078
Mix88.8%
Spread
+0.554%Above
Fees
$2,760Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume387
Mix11.2%
Spread
+0.511%Above
Fees
$2,557Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,465
Applications
4,483
Volume
$819 million
Pricing & Closing
Avg Rate Spread
+0.548%
vs. market APOR
Avg Net Fees
$2,732
Origination − Credits
Pullthrough Rate
77.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$236,405
Avg Borrower Income
$106,453
Avg Property Value
$291,531
Geographic Coverage
Geographic Performance
Metro Areas
15
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 1010–2020–200200+None
Midwest4
ILINMIOH
South3
FLKYTX
West2
CAMT
Top Metro Areas by Place Specialization Score
Showing 10 of 15 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.