P
We analyzed every closed loan from Primis Mortgage — 2.0k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
Near-National · 25 mkts
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Primis Mortgage Company performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +33.5 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National26 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,102 | 54.0% | +0.349%Above | $3,164Fees | ||||
FHA Loans | 624 | 30.6% | +0.507%Above | $3,293Fees | ||||
VA Loans | 245 | 12.0% | -0.217%Below | $2,320Fees | ||||
Jumbo Loans | 33 | 1.6% | +0.302%Above | $3,692Fees | ||||
USDA Loans | — | 36 | 1.8% | +0.447%Above | $2,493Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,874 | 91.9% | +0.335%Above | $3,129Fees | ||||
Refinance | 166 | 8.1% | +0.329%Above | $2,961Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,040
Applications
2,840
Volume
$721 million
Pricing & Closing
Avg Rate Spread
+0.335%
vs. market APOR
Avg Net Fees
$3,113
Origination − Credits
Pullthrough Rate
71.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$353,652
Avg Borrower Income
$139,819
Avg Property Value
$431,029
Geographic Coverage
Geographic Performance
Metro Areas
25
States Served
38
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
Nashville, TNMSA
Volume: 405Mix: 19.85%of portfolio
Place
Exceptional2
Charlotte, NC-SCMSA
Volume: 336Mix: 16.47%of portfolio
Place
Exceptional3
Wilmington, NC, NCMSA
Volume: 103Mix: 5.05%of portfolio
Place
Strong4
San Antonio, TXMSA
Volume: 103Mix: 5.05%of portfolio
Place
Strong5
Austin, TXMSA
Volume: 68Mix: 3.33%of portfolio
Place
Strong6
Hickory, NCMSA
Volume: 41Mix: 2.01%of portfolio
Place
Strong7
Jacksonville, NC, NCMSA
Volume: 32Mix: 1.57%of portfolio
Place
Strong8
Raleigh, NCMSA
Volume: 52Mix: 2.55%of portfolio
Place
Sound9
Charleston, SCMSA
Volume: 34Mix: 1.67%of portfolio
Place
Sound10
Fayetteville, NC, NCMSA
Volume: 25Mix: 1.23%of portfolio
Place
SoundShowing 10 of 25 metro areas
Top States by Place Specialization Score
1
TNState
Volume: 649Mix: 31.81%of portfolio
Place
Exceptional2
NCState
Volume: 679Mix: 33.28%of portfolio
Place
Strong3
TXState
Volume: 270Mix: 13.24%of portfolio
Place
Strong4
SCState
Volume: 89Mix: 4.36%of portfolio
Place
Strong5
VAState
Volume: 78Mix: 3.82%of portfolio
Place
Sound6
FLState
Volume: 90Mix: 4.41%of portfolio
Place
Sound7
WAState
Volume: 40Mix: 1.96%of portfolio
Place
Sound8
ALState
Volume: 31Mix: 1.52%of portfolio
Place
Sound9
GAState
Volume: 23Mix: 1.13%of portfolio
Place
Sound10
MDState
Volume: 19Mix: 0.93%of portfolio
Place
SoundShowing 10 of 11 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)
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.