Trinity Oaks Mortgage
Trinity Oaks Mortgage has 394 closed loans in our dataset — fully analyzed and benchmarked against peers 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
Strong
4/5
Regional · 4 mkts
Awards
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,069)
Explore another lender or local market
Report Card
Trinity Oaks Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+24.5 bps above market avg
Pull Through
Closing strength
Strong
Top 40% 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
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 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 | 230 | 58.4% | +0.263%Above | $3,787Fees | ||||
FHA Loans | 106 | 26.9% | +0.565%Above | $4,652Fees | ||||
VA Loans | 57 | 14.5% | -0.398%Below | $4,323Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume230
Mix58.4%
Spread
+0.263%Above
Fees
$3,787Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume106
Mix26.9%
Spread
+0.565%Above
Fees
$4,652Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume57
Mix14.5%
Spread
-0.398%Below
Fees
$4,323Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 377 | 95.7% | +0.252%Above | $4,111Fees | ||||
Refinance | — | 17 | 4.3% | +0.143%Above | $3,387Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume377
Mix95.7%
Spread
+0.252%Above
Fees
$4,111Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughSound
Volume17
Mix4.3%
Spread
+0.143%Above
Fees
$3,387Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
394
Applications
491
Volume
$156 million
Pricing & Closing
Avg Rate Spread
+0.245%
vs. market APOR
Avg Net Fees
$4,069
Origination − Credits
Pullthrough Rate
80.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$397,259
Avg Borrower Income
$171,228
Avg Property Value
$482,893
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
3Northeast1
NJ
South2
FLTX
Top Metro Areas by Place Specialization Score
Volume 214Mix 54.31% of portfolio
78/100
Strong
2© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 101Mix 25.63% of portfolio
73/100
Strong
Volume 42Mix 10.66% of portfolio
71/100
Strong
Volume 13Mix 3.30% of portfolio
47/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 392Mix 99.49% of portfolio
76/100
StrongHow 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.