What loan types does MORTGAGEONE, INC. offer?

MORTGAGEONE, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does MORTGAGEONE, INC. offer mortgages?

MORTGAGEONE, INC. offers mortgages in 34 states: AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MT, NC, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WY.

How competitive are MORTGAGEONE, INC.'s mortgage rates?

MORTGAGEONE, INC. has an overall pricing score of 16.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is MORTGAGEONE, INC.?

MORTGAGEONE, INC. is a Independent Mortgage Company headquartered in SACRAMENTO, CA.

Unclaimed

Mortgageone, Inc.

Independent Mortgage Company•SACRAMENTO, CA•Direct to Consumer

We analyzed every closed loan from Mortgageone — 734 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Strong

closing strength

Products

Exceptional

FHA · Conventional · VA

Place

Sound

Near-National · 13 mkts

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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)

Explore another lender or local market

Report Card

Mortgageone, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +45.6 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National14 markets

Loan Product Performance

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%Above	$4,510Fees
FHA Loans	Sound	Strong	Acceptable	Strong	130	17.7%	+0.587%Above	$4,019Fees
VA Loans	Sound	Exceptional	Acceptable	Strong	314	42.8%	+0.026%Above	$2,870Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Strong	673	91.7%	+0.522%Above	$4,339Fees
Refinance	Acceptable	Sound	Acceptable	Acceptable	61	8.3%	+0.159%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOFLGAHIIAIDILINKSKYLAMDMIMNMOMTNCNMNVOHOKORPASCTNTXUTVAWAWY

Top Metro Areas by Place Specialization Score

Redding, CA, CAMSA

Volume: 107Mix: 14.58%of portfolio

Place

Exceptional

Santa Rosa, CAMSA

Volume: 42Mix: 5.72%of portfolio

Place

Strong

San Diego, CAMSA

Volume: 58Mix: 7.90%of portfolio

Place

Strong

Stockton, CAMSA

Volume: 30Mix: 4.09%of portfolio

Place

Sound

Merced, CA, CAMSA

Volume: 11Mix: 1.50%of portfolio

Place

Sound

Riverside, CAMSA

Volume: 24Mix: 3.27%of portfolio

Place

Sound

Kennewick, WAMSA

Volume: 14Mix: 1.91%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 18Mix: 2.45%of portfolio

Place

Sound

Yuma, AZ, AZMSA

Volume: 10Mix: 1.36%of portfolio

Place

Sound

Provo, UTMSA

Volume: 11Mix: 1.50%of portfolio

Place

Sound

Showing 10 of 13 metro areas

Top States by Place Specialization Score

CAState

Volume: 373Mix: 50.82%of portfolio

Place

Strong

GAState

Volume: 39Mix: 5.31%of portfolio

Place

Sound

TXState

Volume: 47Mix: 6.40%of portfolio

Place

Sound

FLState

Volume: 44Mix: 5.99%of portfolio

Place

Sound

WAState

Volume: 23Mix: 3.13%of portfolio

Place

Sound

UTState

Volume: 17Mix: 2.32%of portfolio

Place

Sound

AZState

Volume: 18Mix: 2.45%of portfolio

Place

Sound

NCState

Volume: 19Mix: 2.59%of portfolio

Place

Sound

SCState

Volume: 15Mix: 2.04%of portfolio

Place

Sound

TNState

Volume: 15Mix: 2.04%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.