We analyzed every closed loan from Si Mortgage — 633 loans across 902 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
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Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
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Report Card
Si Mortgage Company performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | N/A | No peer data |
Pull Through Closing strength | Industry Standard Top 60% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Industry Standard Top 60% of lenders | |
FHA | Near industry average Bottom 40% of lenders | |
Jumbo | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Industry Standard Top 60% of lenders | |
Refinance | Industry Standard Top 60% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National15 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 594 | 93.8% | — | — | |||
FHA Loans | — | 18 | 2.8% | — | — | |||
Jumbo Loans | — | 21 | 3.3% | — | — |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | — | 504 | 79.6% | — | — | |||
Refinance | — | 129 | 20.4% | — | — |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
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)
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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