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Select Lending Services

Independent Mortgage Company•Salem, ORHQ•Direct•Reviews near you on Google

Select Lending Services has 308 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 7 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average
  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Select Lending Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+35.0 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% 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

Conventional
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume257
Mix83.4%
Spread
+0.404%Above
Fees
$2,200Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume32
Mix10.4%
Spread
-0.146%Below
Fees
$2,173Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Acceptable
Volume19
Mix6.2%
Spread
+0.363%Above
Fees
$2,783Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume285
Mix92.5%
Spread
+0.365%Above
Fees
$2,307Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Acceptable
Volume23
Mix7.5%
Spread
+0.224%Above
Fees
$1,580Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
308
Applications
433
Volume
$145 million
Pricing & Closing
Avg Rate Spread
+0.350%
vs. market APOR
Avg Net Fees
$2,234
Origination − Credits
Pullthrough Rate
71.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$473,279
Avg Borrower Income
$192,383
Avg Property Value
$621,169

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

11
11 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest4
IAILMIWI
South4
FLMDTXVA
West3
COORWA

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 89Mix 28.90% of portfolio
68/100
Strong
2© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 61Mix 19.81% of portfolio
62/100
Strong
3© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 48Mix 15.58% of portfolio
62/100
Strong
4© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 18Mix 5.84% of portfolio
49/100
Sound
5© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 13Mix 4.22% of portfolio
45/100
Sound
6© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 11Mix 3.57% of portfolio
43/100
Sound
7© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 10Mix 3.25% of portfolio
40/100
Acceptable

Top States by Place Specialization Score

Colorado
Colorado
1
ColoradoState
Volume 95Mix 30.84% of portfolio
66/100
Strong
Illinois
Illinois
2
IllinoisState
Volume 73Mix 23.70% of portfolio
62/100
Strong
Oregon
Oregon
3
OregonState
Volume 49Mix 15.91% of portfolio
61/100
Strong
Maryland
Maryland
4
MarylandState
Volume 25Mix 8.12% of portfolio
51/100
Sound
Virginia
Virginia
5
VirginiaState
Volume 21Mix 6.82% of portfolio
48/100
Sound
Washington
Washington
6
WashingtonState
Volume 16Mix 5.19% of portfolio
46/100
Sound
Texas
Texas
7
TexasState
Volume 24Mix 7.79% of portfolio
45/100
Sound

How 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.