Ross Mortgage Corporation
We analyzed every closed loan from Ross Mortgage Corporation — 927 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
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 11 mkts
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
Ross Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+41.5 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
Multi-Regional · 12 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 583 | 62.9% | +0.381%Above | $2,685Fees | ||||
FHA Loans | 215 | 23.2% | +0.850%Above | $2,860Fees | ||||
VA Loans | 116 | 12.5% | -0.072%Below | $2,395Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume583
Mix62.9%
Spread
+0.381%Above
Fees
$2,685Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume215
Mix23.2%
Spread
+0.850%Above
Fees
$2,860Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume116
Mix12.5%
Spread
-0.072%Below
Fees
$2,395Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 822 | 88.7% | +0.461%Above | $2,799Fees | ||||
Refinance | 105 | 11.3% | +0.186%Above | $2,085Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume822
Mix88.7%
Spread
+0.461%Above
Fees
$2,799Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume105
Mix11.3%
Spread
+0.186%Above
Fees
$2,085Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
927
Applications
1,205
Volume
$250 million
Pricing & Closing
Avg Rate Spread
+0.415%
vs. market APOR
Avg Net Fees
$2,679
Origination − Credits
Pullthrough Rate
76.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$270,437
Avg Borrower Income
$119,110
Avg Property Value
$331,570
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
14Midwest4
ILINMIOH
South10
ALARFLGAKYNCSCTNTXVA
Top Metro Areas by Place Specialization Score
Volume 286Mix 30.85% of portfolio
79/100
Strong
Volume 177Mix 19.09% of portfolio
78/100
Strong
Volume 51Mix 5.50% of portfolio
67/100
Strong
Volume 48Mix 5.18% of portfolio
64/100
Strong
Volume 31Mix 3.34% of portfolio
59/100
Sound
Volume 21Mix 2.27% of portfolio
56/100
Sound
Volume 34Mix 3.67% of portfolio
55/100
Sound
Volume 13Mix 1.40% of portfolio
45/100
Sound
Volume 12Mix 1.29% of portfolio
42/100
Sound
Volume 10Mix 1.08% of portfolio
42/100
SoundShowing 10 of 11 metro areas
Top States by Place Specialization Score
1
MichiganState
Volume 597Mix 64.40% of portfolio
81/100
Exceptional2
TennesseeState
Volume 152Mix 16.40% of portfolio
69/100
Strong3
VirginiaState
Volume 70Mix 7.55% of portfolio
60/100
Sound4
KentuckyState
Volume 42Mix 4.53% of portfolio
56/100
Sound5
IllinoisState
Volume 16Mix 1.73% of portfolio
41/100
Sound6
FloridaState
Volume 23Mix 2.48% 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.