Nexera Holding
We analyzed every closed loan from Nexera Holding — 2.5k loans across 4k 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
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Sound
3/5
National · 49 mkts
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 91 basis points above market average
- Higher than average fees ($4,621)
Explore another lender or local market
Report Card
Nexera Holding performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+91.3 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 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 | 1,826 | 74.0% | +1.036%Above | $5,323Fees | ||||
FHA Loans | 74 | 3.0% | -0.116%Below | $1,304Fees | ||||
Jumbo Loans | 567 | 23.0% | +0.934%Above | $3,611Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,826
Mix74.0%
Spread
+1.036%Above
Fees
$5,323Fees
FHA Loans
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume74
Mix3.0%
Spread
-0.116%Below
Fees
$1,304Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume567
Mix23.0%
Spread
+0.934%Above
Fees
$3,611Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,796 | 72.7% | +1.052%Above | $5,147Fees | ||||
Refinance | 673 | 27.3% | +0.596%Above | $3,428Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,796
Mix72.7%
Spread
+1.052%Above
Fees
$5,147Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume673
Mix27.3%
Spread
+0.596%Above
Fees
$3,428Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,469
Applications
4,129
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.913%
vs. market APOR
Avg Net Fees
$4,621
Origination − Credits
Pullthrough Rate
59.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$663,748
Avg Borrower Income
$571,490
Avg Property Value
$961,217
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
43
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
43Northeast5
CTMENJPARI
Midwest10
IAILINKSMIMNMONEOHWI
South15
ALARDEFLGAKYLAMDMSNCOKSCTNTXVA
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 182Mix 7.37% of portfolio
71/100
Strong
Volume 85Mix 3.44% of portfolio
64/100
Strong
Volume 71Mix 2.88% of portfolio
64/100
Strong
Volume 71Mix 2.88% of portfolio
63/100
Strong
Volume 70Mix 2.84% of portfolio
62/100
Strong
Volume 98Mix 3.97% of portfolio
61/100
Strong
Volume 98Mix 3.97% of portfolio
61/100
Strong
Volume 66Mix 2.67% of portfolio
60/100
Sound
Volume 76Mix 3.08% of portfolio
60/100
Sound
Volume 51Mix 2.07% of portfolio
59/100
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 695Mix 28.15% of portfolio
75/100
Strong2
FloridaState
Volume 400Mix 16.20% of portfolio
69/100
Strong3
TexasState
Volume 321Mix 13.00% of portfolio
68/100
Strong4
ArizonaState
Volume 116Mix 4.70% of portfolio
62/100
Strong5
HawaiiState
Volume 47Mix 1.90% of portfolio
61/100
Strong6
WashingtonState
Volume 73Mix 2.96% of portfolio
58/100
Sound7
ColoradoState
Volume 81Mix 3.28% of portfolio
58/100
Sound8
IllinoisState
Volume 83Mix 3.36% of portfolio
57/100
Sound9
OregonState
Volume 51Mix 2.07% of portfolio
56/100
Sound10
NevadaState
Volume 44Mix 1.78% of portfolio
55/100
SoundShowing 10 of 26 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.