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Pilgrim Mortgage

Independent Mortgage Company•San Antonio, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Pilgrim Mortgage — 878 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 7 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Pilgrim Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+36.1 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
Strong
Top 40% 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
Regional · 8 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume475
Mix54.1%
Spread
+0.337%Above
Fees
$4,008Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume249
Mix28.4%
Spread
+0.696%Above
Fees
$3,816Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume141
Mix16.1%
Spread
-0.310%Below
Fees
$3,500Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume807
Mix91.9%
Spread
+0.374%Above
Fees
$3,849Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume71
Mix8.1%
Spread
+0.270%Above
Fees
$4,221Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
878
Applications
1,180
Volume
$283 million
Pricing & Closing
Avg Rate Spread
+0.361%
vs. market APOR
Avg Net Fees
$3,896
Origination − Credits
Pullthrough Rate
74.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$322,711
Avg Borrower Income
$148,647
Avg Property Value
$395,228

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South4
ALARTNTX
West1
CO

Top Metro Areas by Place Specialization Score

1© 归零者 · CC BY-SA 4.0
College Station, TXMetro
Volume 132Mix 15.03% of portfolio
98/100
Exceptional
2© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 446Mix 50.80% of portfolio
85/100
Exceptional
3© Thomas R Machnitzki (thomasmachnitzki.com) · CC BY 3.0
Little Rock, ARMetro
Volume 62Mix 7.06% of portfolio
70/100
Strong
4© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 58Mix 6.61% of portfolio
63/100
Strong
5© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 34Mix 3.87% of portfolio
52/100
Sound
6© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 33Mix 3.76% of portfolio
51/100
Sound
7© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 12Mix 1.37% of portfolio
41/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 796Mix 90.66% of portfolio
81/100
Exceptional
Arkansas
Arkansas
2
ArkansasState
Volume 76Mix 8.66% of portfolio
63/100
Strong

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.