Residential Mortgage
We analyzed every closed loan from Residential Mortgage — 1.6k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 6 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
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Report Card
Residential Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+7.5 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,107 | 67.8% | +0.118%Above | $3,253Fees | ||||
FHA Loans | 228 | 14.0% | +0.266%Above | $3,086Fees | ||||
VA Loans | 235 | 14.4% | -0.440%Below | $3,307Fees | ||||
Jumbo Loans | 50 | 3.1% | -0.097%Below | $1,701Fees | ||||
USDA Loans | — | — | 12 | 0.7% | +0.064%Above | $1,184Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,107
Mix67.8%
Spread
+0.118%Above
Fees
$3,253Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume228
Mix14.0%
Spread
+0.266%Above
Fees
$3,086Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume235
Mix14.4%
Spread
-0.440%Below
Fees
$3,307Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume50
Mix3.1%
Spread
-0.097%Below
Fees
$1,701Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume12
Mix0.7%
Spread
+0.064%Above
Fees
$1,184Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,527 | 93.6% | +0.085%Above | $3,150Fees | ||||
Refinance | 105 | 6.4% | -0.006%Below | $3,215Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,527
Mix93.6%
Spread
+0.085%Above
Fees
$3,150Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume105
Mix6.4%
Spread
-0.006%Below
Fees
$3,215Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,632
Applications
2,151
Volume
$670 million
Pricing & Closing
Avg Rate Spread
+0.075%
vs. market APOR
Avg Net Fees
$3,158
Origination − Credits
Pullthrough Rate
75.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$410,858
Avg Borrower Income
$168,360
Avg Property Value
$497,028
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13South3
FLGATX
West10
AKAZCACOIDMTNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 1,032Mix 63.24% of portfolio
100/100
Exceptional
Volume 79Mix 4.84% of portfolio
90/100
Exceptional
Volume 113Mix 6.92% of portfolio
64/100
Strong
Volume 62Mix 3.80% of portfolio
60/100
Strong
Volume 21Mix 1.29% of portfolio
48/100
Sound
Volume 10Mix 0.61% of portfolio
40/100
SoundTop States by Place Specialization Score
1
AlaskaState
Volume 1,318Mix 80.76% of portfolio
100/100
Exceptional2
ArizonaState
Volume 127Mix 7.78% of portfolio
64/100
Strong3
WashingtonState
Volume 80Mix 4.90% of portfolio
61/100
Strong4
OregonState
Volume 44Mix 2.70% of portfolio
55/100
Sound5
IdahoState
Volume 27Mix 1.65% of portfolio
49/100
Sound6
ColoradoState
Volume 16Mix 0.98% of portfolio
41/100
SoundHow 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.