Mortgageone
We analyzed every closed loan from Mortgageone — 734 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 13 mkts
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)
Explore another lender or local market
Report Card
Mortgageone performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+45.6 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
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 14 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 287 | 39.1% | +0.570%Above | $4,510Fees | ||||
FHA Loans | 130 | 17.7% | +0.587%Above | $4,019Fees | ||||
VA Loans | 314 | 42.8% | +0.026%Above | $2,870Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume287
Mix39.1%
Spread
+0.570%Above
Fees
$4,510Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume130
Mix17.7%
Spread
+0.587%Above
Fees
$4,019Fees
VA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume314
Mix42.8%
Spread
+0.026%Above
Fees
$2,870Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 673 | 91.7% | +0.522%Above | $4,339Fees | ||||
Refinance | 61 | 8.3% | +0.159%Above | $2,622Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume673
Mix91.7%
Spread
+0.522%Above
Fees
$4,339Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume61
Mix8.3%
Spread
+0.159%Above
Fees
$2,622Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
734
Applications
1,140
Volume
$314 million
Pricing & Closing
Avg Rate Spread
+0.456%
vs. market APOR
Avg Net Fees
$4,026
Origination − Credits
Pullthrough Rate
64.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$428,365
Avg Borrower Income
$139,099
Avg Property Value
$508,610
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
34
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
34Northeast1
PA
Midwest8
IAILINKSMIMNMOOH
South13
ALARFLGAKYLAMDNCOKSCTNTXVA
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 107Mix 14.58% of portfolio
96/100
Exceptional
Volume 42Mix 5.72% of portfolio
69/100
Strong
Volume 58Mix 7.90% of portfolio
62/100
Strong
Volume 30Mix 4.09% of portfolio
59/100
Sound
Volume 11Mix 1.50% of portfolio
51/100
Sound
Volume 24Mix 3.27% of portfolio
49/100
Sound
Volume 14Mix 1.91% of portfolio
48/100
Sound
Volume 18Mix 2.45% of portfolio
45/100
Sound
Volume 10Mix 1.36% of portfolio
43/100
Sound
Volume 11Mix 1.50% of portfolio
43/100
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 373Mix 50.82% of portfolio
72/100
Strong2
GeorgiaState
Volume 39Mix 5.31% of portfolio
52/100
Sound3
TexasState
Volume 47Mix 6.40% of portfolio
49/100
Sound4
FloridaState
Volume 44Mix 5.99% of portfolio
48/100
Sound5
WashingtonState
Volume 23Mix 3.13% of portfolio
48/100
Sound6
UtahState
Volume 17Mix 2.32% of portfolio
45/100
Sound7
ArizonaState
Volume 18Mix 2.45% of portfolio
44/100
Sound8
North CarolinaState
Volume 19Mix 2.59% of portfolio
43/100
Sound9
South CarolinaState
Volume 15Mix 2.04% of portfolio
42/100
Sound10
TennesseeState
Volume 15Mix 2.04% of portfolio
42/100
SoundShowing 10 of 13 states
How 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.