Residential Acceptance Corporation
We analyzed every closed loan from Residential Acceptance Corporation — 561 loans across 603 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · VA · USDA
Place
Sound
3/5
Multi-Region · 7 mkts
Awards
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and USDA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($5,576)
Explore another lender or local market
Report Card
Residential Acceptance Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+11.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
FHA Loans | 493 | 87.9% | +0.109%Above | $5,715Fees | ||||
VA Loans | — | 23 | 4.1% | +0.078%Above | $5,259Fees | |||
USDA Loans | — | 43 | 7.7% | +0.338%Above | $3,642Fees |
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume493
Mix87.9%
Spread
+0.109%Above
Fees
$5,715Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume23
Mix4.1%
Spread
+0.078%Above
Fees
$5,259Fees
USDA Loans
OverallExceptional
ProductExceptional
Pricing—
Pull ThroughExceptional
Volume43
Mix7.7%
Spread
+0.338%Above
Fees
$3,642Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 546 | 97.3% | +0.112%Above | $5,614Fees | ||||
Refinance | — | — | 15 | 2.7% | +0.110%Above | $4,732Fees |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume546
Mix97.3%
Spread
+0.112%Above
Fees
$5,614Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume15
Mix2.7%
Spread
+0.110%Above
Fees
$4,732Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
561
Applications
603
Volume
$169 million
Pricing & Closing
Avg Rate Spread
+0.112%
vs. market APOR
Avg Net Fees
$5,576
Origination − Credits
Pullthrough Rate
93.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$302,237
Avg Borrower Income
$95,155
Avg Property Value
$317,335
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
16Northeast1
PA
Midwest3
ILMIOH
South11
ALARFLGALAMDMSNCSCTNTX
West1
CO
Top Metro Areas by Place Specialization Score
Volume 197Mix 35.12% of portfolio
79/100
Strong
Volume 110Mix 19.61% of portfolio
72/100
Strong
Volume 24Mix 4.28% of portfolio
55/100
Sound
Volume 36Mix 6.42% of portfolio
54/100
Sound
Volume 10Mix 1.78% of portfolio
48/100
Sound
Volume 11Mix 1.96% of portfolio
43/100
Sound
Volume 13Mix 2.32% of portfolio
43/100
SoundTop States by Place Specialization Score
1
LouisianaState
Volume 141Mix 25.13% of portfolio
70/100
Strong2
FloridaState
Volume 270Mix 48.13% of portfolio
70/100
Strong3
GeorgiaState
Volume 45Mix 8.02% of portfolio
54/100
Sound4
MississippiState
Volume 15Mix 2.67% of portfolio
45/100
Sound5
North CarolinaState
Volume 22Mix 3.92% of portfolio
45/100
Sound6
AlabamaState
Volume 16Mix 2.85% of portfolio
45/100
Sound7
ArkansasState
Volume 13Mix 2.32% of portfolio
43/100
Sound8
MichiganState
Volume 11Mix 1.96% of portfolio
39/100
Acceptable9
TexasState
Volume 10Mix 1.78% of portfolio
34/100
AcceptableHow 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.