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Securitynational Mortgage Company
Independent Mortgage Company•WILMINGTON, DE•Direct to Consumer
We analyzed every closed loan from Securitynational Mortgage — 4.6k loans across 7k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
Near-National · 49 mkts
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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 loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 69 basis points above market average
- Higher than average fees ($4,889)
Explore another lender or local market
Report Card
Securitynational Mortgage Company performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +69.0 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 | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,037 | 44.1% | +0.685%Above | $4,903Fees | ||||
FHA Loans | 2,255 | 48.8% | +0.787%Above | $4,873Fees | ||||
VA Loans | 260 | 5.6% | -0.109%Below | $5,167Fees | ||||
Jumbo Loans | — | 38 | 0.8% | +0.597%Above | $4,047Fees | |||
USDA Loans | — | 32 | 0.7% | +0.397%Above | $3,333Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,224 | 91.4% | +0.710%Above | $4,904Fees | ||||
Refinance | 398 | 8.6% | +0.510%Above | $4,754Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,622
Applications
7,295
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.690%
vs. market APOR
Avg Net Fees
$4,889
Origination − Credits
Pullthrough Rate
63.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$368,630
Avg Borrower Income
$129,743
Avg Property Value
$437,720
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
39
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTFLGAHIIDILINKSKYLAMDMIMNMOMSMTNCNJNMNVOHOKORPARISCTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Brownsville, TXMSA
Volume: 126Mix: 2.73%of portfolio
Place
Exceptional2
Salt Lake City, UTMSA
Volume: 579Mix: 12.53%of portfolio
Place
Exceptional3
Provo, UTMSA
Volume: 357Mix: 7.72%of portfolio
Place
Exceptional4
Las Vegas, NVMSA
Volume: 289Mix: 6.25%of portfolio
Place
Strong5
Phoenix, AZMSA
Volume: 478Mix: 10.34%of portfolio
Place
Strong6
Houston, TXMSA
Volume: 258Mix: 5.58%of portfolio
Place
Strong7
Austin, TXMSA
Volume: 136Mix: 2.94%of portfolio
Place
Strong8
Ogden, UT, UTMSA
Volume: 85Mix: 1.84%of portfolio
Place
Strong9
Fort Worth, TXMSA
Volume: 110Mix: 2.38%of portfolio
Place
Strong10
Sheboygan, WI, WIMSA
Volume: 36Mix: 0.78%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
UTState
Volume: 1,162Mix: 25.14%of portfolio
Place
Exceptional2
TXState
Volume: 1,203Mix: 26.03%of portfolio
Place
Exceptional3
NVState
Volume: 330Mix: 7.14%of portfolio
Place
Strong4
AZState
Volume: 601Mix: 13.00%of portfolio
Place
Strong5
HIState
Volume: 89Mix: 1.93%of portfolio
Place
Strong6
WIState
Volume: 157Mix: 3.40%of portfolio
Place
Strong7
GAState
Volume: 178Mix: 3.85%of portfolio
Place
Strong8
COState
Volume: 120Mix: 2.60%of portfolio
Place
Strong9
FLState
Volume: 184Mix: 3.98%of portfolio
Place
Sound10
CAState
Volume: 146Mix: 3.16%of portfolio
Place
SoundShowing 10 of 27 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.