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MORTGAGEONE, INC.
Independent Mortgage Company|SACRAMENTO, CA|Near-National
Loans Originated
734
Applications
1,140
Volume
$314 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.456%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,026
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,026)
Report Card
MORTGAGEONE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 14 metro areas · 34 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$428,365
Average Borrower Income
$139,099
Average Property Value
$508,610
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 287 | 39.1% | +0.570% | $4,510 |
FHA Loans | Sound | Strong | Acceptable | Strong | 130 | 17.7% | +0.587% | $4,019 |
VA Loans | Sound | Exceptional | Acceptable | Strong | 314 | 42.8% | +0.026% | $2,870 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 673 | 91.7% | +0.522% | $4,339 |
Refinance | Acceptable | Sound | Acceptable | Acceptable | 61 | 8.3% | +0.159% | $2,622 |
Geographic Coverage
Metro Areas
13
States Served
34
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOFLGAHIIAIDILINKSKYLAMDMIMNMOMTNCNMNVOHOKORPASCTNTXUTVAWAWY
Top Metro Areas by Place Specialization Score
1
Redding, CA, CAMSA
Volume: 107Mix: 14.58%
Place Specialization
Exceptional
2
Santa Rosa, CAMSA
Volume: 42Mix: 5.72%
Place Specialization
Strong
3
San Diego, CAMSA
Volume: 58Mix: 7.90%
Place Specialization
Strong
4
Stockton, CAMSA
Volume: 30Mix: 4.09%
Place Specialization
Sound
5
Merced, CA, CAMSA
Volume: 11Mix: 1.50%
Place Specialization
Sound
6
Riverside, CAMSA
Volume: 24Mix: 3.27%
Place Specialization
Sound
7
Kennewick, WAMSA
Volume: 14Mix: 1.91%
Place Specialization
Sound
8
Atlanta, GAMSA
Volume: 18Mix: 2.45%
Place Specialization
Sound
9
Yuma, AZ, AZMSA
Volume: 10Mix: 1.36%
Place Specialization
Sound
10
Provo, UTMSA
Volume: 11Mix: 1.50%
Place Specialization
Sound
Showing 10 of 13 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 373Mix: 50.82%
Place Specialization
Strong
2
GAState
Volume: 39Mix: 5.31%
Place Specialization
Sound
3
TXState
Volume: 47Mix: 6.40%
Place Specialization
Sound
4
FLState
Volume: 44Mix: 5.99%
Place Specialization
Sound
5
WAState
Volume: 23Mix: 3.13%
Place Specialization
Sound
6
UTState
Volume: 17Mix: 2.32%
Place Specialization
Sound
7
AZState
Volume: 18Mix: 2.45%
Place Specialization
Sound
8
NCState
Volume: 19Mix: 2.59%
Place Specialization
Sound
9
SCState
Volume: 15Mix: 2.04%
Place Specialization
Sound
10
TNState
Volume: 15Mix: 2.04%
Place Specialization
Sound
Showing 10 of 13 states
How 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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