We analyzed every closed loan from NP — 2.2k loans across 3k 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 · VA · Jumbo
Place
Sound
3/5
National · 47 mkts
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 105 basis points above market average
Explore another lender or local market
Report Card
NP performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+104.5 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
Strong
Top 40% of lenders
VA
Strong
Top 40% 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 · 48 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 | 1,722 | 78.8% | +1.089%Above | $3,180Fees | ||||
FHA Loans | 120 | 5.5% | +0.840%Above | $3,806Fees | ||||
VA Loans | 57 | 2.6% | -0.039%Below | $1,638Fees | ||||
Jumbo Loans | 283 | 13.0% | +1.219%Above | $1,410Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,722
Mix78.8%
Spread
+1.089%Above
Fees
$3,180Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume120
Mix5.5%
Spread
+0.840%Above
Fees
$3,806Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume57
Mix2.6%
Spread
-0.039%Below
Fees
$1,638Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume283
Mix13.0%
Spread
+1.219%Above
Fees
$1,410Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,718 | 78.7% | +0.997%Above | $3,168Fees | ||||
Refinance | 466 | 21.3% | +1.219%Above | $2,382Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,718
Mix78.7%
Spread
+0.997%Above
Fees
$3,168Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume466
Mix21.3%
Spread
+1.219%Above
Fees
$2,382Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,184
Applications
3,387
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+1.045%
vs. market APOR
Avg Net Fees
$2,997
Origination − Credits
Pullthrough Rate
64.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$554,464
Avg Borrower Income
$400,497
Avg Property Value
$770,311
Geographic Coverage
Geographic Performance
Metro Areas
47
markets with activity
States Served
42
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
42Northeast8
CTMANHNJNYPARIVT
Midwest8
ILINKSMIMNMOOHWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West10
AKAZCACOMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 115Mix 5.27% of portfolio
72/100
Strong
Volume 76Mix 3.48% of portfolio
71/100
Strong
Volume 160Mix 7.33% of portfolio
69/100
Strong
Volume 97Mix 4.44% of portfolio
66/100
Strong
Volume 80Mix 3.66% of portfolio
64/100
Strong
Volume 68Mix 3.11% of portfolio
63/100
Strong
Volume 67Mix 3.07% of portfolio
61/100
Strong
Volume 67Mix 3.07% of portfolio
60/100
Strong
Volume 53Mix 2.43% of portfolio
58/100
Sound
Volume 32Mix 1.47% of portfolio
57/100
SoundShowing 10 of 47 metro areas
Top States by Place Specialization Score
1
FloridaState
Volume 563Mix 25.78% of portfolio
74/100
Strong2
New YorkState
Volume 261Mix 11.95% of portfolio
71/100
Strong3
New JerseyState
Volume 182Mix 8.33% of portfolio
70/100
Strong4
CaliforniaState
Volume 274Mix 12.55% of portfolio
65/100
Strong5
GeorgiaState
Volume 106Mix 4.85% of portfolio
60/100
Sound6
ConnecticutState
Volume 67Mix 3.07% of portfolio
59/100
Sound7
TexasState
Volume 135Mix 6.18% of portfolio
58/100
Sound8
ArizonaState
Volume 79Mix 3.62% of portfolio
58/100
Sound9
MassachusettsState
Volume 52Mix 2.38% of portfolio
54/100
Sound10
MarylandState
Volume 48Mix 2.20% of portfolio
53/100
SoundShowing 10 of 23 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.