Resource Financial Services
We analyzed every closed loan from Resource Financial Services — 840 loans across 1k 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 10 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Resource Financial Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+28.3 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
USDA
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
Multi-Regional · 11 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 | 436 | 51.9% | +0.264%Above | $2,232Fees | ||||
FHA Loans | 191 | 22.7% | +0.681%Above | $2,672Fees | ||||
VA Loans | 197 | 23.5% | -0.147%Below | $1,706Fees | ||||
USDA Loans | — | 14 | 1.7% | +0.223%Above | $1,903Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume436
Mix51.9%
Spread
+0.264%Above
Fees
$2,232Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume191
Mix22.7%
Spread
+0.681%Above
Fees
$2,672Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume197
Mix23.5%
Spread
-0.147%Below
Fees
$1,706Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume14
Mix1.7%
Spread
+0.223%Above
Fees
$1,903Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 776 | 92.4% | +0.290%Above | $2,279Fees | ||||
Refinance | 64 | 7.6% | +0.207%Above | $1,719Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume776
Mix92.4%
Spread
+0.290%Above
Fees
$2,279Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
Volume64
Mix7.6%
Spread
+0.207%Above
Fees
$1,719Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
840
Applications
1,094
Volume
$241 million
Pricing & Closing
Avg Rate Spread
+0.283%
vs. market APOR
Avg Net Fees
$2,231
Origination − Credits
Pullthrough Rate
76.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$287,357
Avg Borrower Income
$118,411
Avg Property Value
$356,369
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9South9
ALFLGAMSNCSCTNTXVA
Top Metro Areas by Place Specialization Score
Volume 384Mix 45.71% of portfolio
97/100
Exceptional
Volume 74Mix 8.81% of portfolio
88/100
Exceptional
Volume 42Mix 5.00% of portfolio
76/100
Strong
Volume 55Mix 6.55% of portfolio
66/100
Strong
Volume 35Mix 4.17% of portfolio
56/100
Sound
Volume 28Mix 3.33% of portfolio
56/100
Sound
Volume 22Mix 2.62% of portfolio
54/100
Sound
Volume 19Mix 2.26% of portfolio
52/100
Sound
Volume 26Mix 3.10% of portfolio
52/100
Sound
Volume 13Mix 1.55% of portfolio
42/100
SoundTop States by Place Specialization Score
1
South CarolinaState
Volume 695Mix 82.74% of portfolio
91/100
Exceptional2
North CarolinaState
Volume 100Mix 11.90% of portfolio
60/100
Strong3
FloridaState
Volume 33Mix 3.93% of portfolio
45/100
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.