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We analyzed every closed loan from Nation One Mortgage — 1.7k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Strong
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Strong
Multi-Region · 14 mkts
Safe Rate Awards💎FHA Champion💎Purchase Champion
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Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Nation One Mortgage Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive +23.7 bps above market avg | |
Pull Through Closing strength | Market Leader Top 10% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional15 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 737 | 42.7% | +0.392%Above | $2,225Fees | |||
FHA Loans | 801 | 46.4% | +0.184%Above | $2,678Fees | ||||
VA Loans | — | 159 | 9.2% | — | — | |||
USDA Loans | — | 24 | 1.4% | +0.449%Above | $1,245Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,581 | 91.6% | +0.237%Above | $2,551Fees | ||||
Refinance | — | 145 | 8.4% | — | — |
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,726
Applications
2,162
Volume
$513 million
Pricing & Closing
Avg Rate Spread
+0.237%
vs. market APOR
Avg Net Fees
$2,551
Origination − Credits
Pullthrough Rate
79.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$297,260
Avg Borrower Income
$112,398
Avg Property Value
$343,181
Geographic Coverage
Geographic Performance
Metro Areas
14
States Served
17
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Vineland, NJ, NJMSA
Volume: 320Mix: 18.54%of portfolio
Place
Exceptional2
Camden, NJ, NJMSA
Volume: 377Mix: 21.84%of portfolio
Place
Exceptional3
Atlantic City, NJMSA
Volume: 139Mix: 8.05%of portfolio
Place
Exceptional4
Charleston, SCMSA
Volume: 181Mix: 10.49%of portfolio
Place
Exceptional5
Wilmington, DEMSA
Volume: 201Mix: 11.65%of portfolio
Place
Exceptional6
Lynchburg, VA, VAMSA
Volume: 88Mix: 5.10%of portfolio
Place
Strong7
Myrtle Beach, SCMSA
Volume: 69Mix: 4.00%of portfolio
Place
Strong8
Philadelphia, PA, PAMSA
Volume: 48Mix: 2.78%of portfolio
Place
Strong9
Dover, DE, DEMSA
Volume: 27Mix: 1.56%of portfolio
Place
Strong10
Montgomery County, PAMSA
Volume: 38Mix: 2.20%of portfolio
Place
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
NJState
Volume: 896Mix: 51.91%of portfolio
Place
Exceptional2
SCState
Volume: 300Mix: 17.38%of portfolio
Place
Strong3
DEState
Volume: 187Mix: 10.83%of portfolio
Place
Strong4
VAState
Volume: 129Mix: 7.47%of portfolio
Place
Strong5
PAState
Volume: 107Mix: 6.20%of portfolio
Place
Strong6
NCState
Volume: 36Mix: 2.09%of portfolio
Place
Sound7
GAState
Volume: 21Mix: 1.22%of portfolio
Place
Sound8
MDState
Volume: 13Mix: 0.75%of portfolio
Place
Acceptable9
FLState
Volume: 10Mix: 0.58%of portfolio
Place
AcceptableHow 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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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.