Mortgage America
We analyzed every closed loan from Mortgage America — 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
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Regional · 9 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
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Report Card
Mortgage America performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+21.7 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 10 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 | 1,325 | 81.6% | +0.206%Above | $2,322Fees | ||||
FHA Loans | 217 | 13.4% | +0.427%Above | $1,853Fees | ||||
VA Loans | 35 | 2.2% | -0.292%Below | $2,084Fees | ||||
Jumbo Loans | — | 16 | 1.0% | +0.065%Above | $2,074Fees | |||
USDA Loans | — | 30 | 1.8% | -0.093%Below | $1,605Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume1,325
Mix81.6%
Spread
+0.206%Above
Fees
$2,322Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume217
Mix13.4%
Spread
+0.427%Above
Fees
$1,853Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume35
Mix2.2%
Spread
-0.292%Below
Fees
$2,084Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume16
Mix1.0%
Spread
+0.065%Above
Fees
$2,074Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume30
Mix1.8%
Spread
-0.093%Below
Fees
$1,605Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,531 | 94.3% | +0.206%Above | $2,241Fees | ||||
Refinance | 92 | 5.7% | +0.411%Above | $2,598Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,531
Mix94.3%
Spread
+0.206%Above
Fees
$2,241Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume92
Mix5.7%
Spread
+0.411%Above
Fees
$2,598Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,623
Applications
1,943
Volume
$459 million
Pricing & Closing
Avg Rate Spread
+0.217%
vs. market APOR
Avg Net Fees
$2,261
Origination − Credits
Pullthrough Rate
83.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$283,398
Avg Borrower Income
$122,980
Avg Property Value
$353,324
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
4Northeast2
NJPA
South2
DEFL
Top Metro Areas by Place Specialization Score
Volume 350Mix 21.57% of portfolio
100/100
Exceptional
Volume 309Mix 19.04% of portfolio
95/100
Exceptional
Volume 400Mix 24.65% of portfolio
93/100
Exceptional
Volume 191Mix 11.77% of portfolio
81/100
Exceptional
Volume 59Mix 3.64% of portfolio
69/100
Strong
Volume 15Mix 0.92% of portfolio
47/100
Sound
Volume 14Mix 0.86% of portfolio
45/100
Sound
Volume 13Mix 0.80% of portfolio
45/100
Sound
Volume 11Mix 0.68% of portfolio
41/100
SoundTop States by Place Specialization Score
1
PennsylvaniaState
Volume 1,597Mix 98.40% of portfolio
94/100
Exceptional2
DelawareState
Volume 16Mix 0.99% 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.