We analyzed every closed loan from Success Lending — 492 loans across 808 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
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 7 mkts
Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Success Lending performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+45.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% 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
Near-National · 8 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 | 259 | 52.6% | +0.419%Above | $2,333Fees | ||||
FHA Loans | 189 | 38.4% | +0.599%Above | $2,150Fees | ||||
VA Loans | 44 | 8.9% | -0.106%Below | $1,989Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume259
Mix52.6%
Spread
+0.419%Above
Fees
$2,333Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume189
Mix38.4%
Spread
+0.599%Above
Fees
$2,150Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume44
Mix8.9%
Spread
-0.106%Below
Fees
$1,989Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 458 | 93.1% | +0.467%Above | $2,243Fees | ||||
Refinance | 34 | 6.9% | +0.249%Above | $2,149Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume458
Mix93.1%
Spread
+0.467%Above
Fees
$2,243Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume34
Mix6.9%
Spread
+0.249%Above
Fees
$2,149Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
492
Applications
808
Volume
$157 million
Pricing & Closing
Avg Rate Spread
+0.451%
vs. market APOR
Avg Net Fees
$2,236
Origination − Credits
Pullthrough Rate
60.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$320,610
Avg Borrower Income
$121,236
Avg Property Value
$380,467
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
32
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
32Northeast2
CTPA
Midwest9
IAILINMIMNNDOHSDWI
South14
ALARDEFLGAKYLAMDMSNCSCTNTXVA
West7
AZCACOMTNMNVWA
Top Metro Areas by Place Specialization Score
Volume 111Mix 22.56% of portfolio
67/100
Strong
Volume 42Mix 8.54% of portfolio
56/100
Sound
Volume 24Mix 4.88% of portfolio
51/100
Sound
Volume 15Mix 3.05% of portfolio
48/100
Sound
5© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 14Mix 2.85% of portfolio
45/100
Sound
Volume 11Mix 2.24% of portfolio
41/100
Sound
Volume 10Mix 2.03% of portfolio
41/100
SoundTop States by Place Specialization Score
1
IllinoisState
Volume 131Mix 26.63% of portfolio
67/100
Strong2
TexasState
Volume 94Mix 19.11% of portfolio
59/100
Sound3
IndianaState
Volume 36Mix 7.32% of portfolio
52/100
Sound4
North CarolinaState
Volume 35Mix 7.11% of portfolio
50/100
Sound5
WisconsinState
Volume 22Mix 4.47% of portfolio
48/100
Sound6
CaliforniaState
Volume 25Mix 5.08% of portfolio
45/100
Sound7
GeorgiaState
Volume 16Mix 3.25% of portfolio
43/100
Sound8
VirginiaState
Volume 14Mix 2.85% of portfolio
42/100
Sound9
LouisianaState
Volume 11Mix 2.24% of portfolio
41/100
Sound10
MarylandState
Volume 12Mix 2.44% of portfolio
41/100
SoundShowing 10 of 11 states
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.