Trust Mortgage
Trust Mortgage has 355 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
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
unknown · 2 mkts
Awards
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and USDA loans
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Report Card
Trust Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+33.4 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
USDA
Exceptional
Top 20% 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
Varies · 2 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 38 | 10.7% | +1.747%Above | $2,776Fees | |||
FHA Loans | 245 | 69.0% | +0.296%Above | $2,397Fees | ||||
VA Loans | — | — | 11 | 3.1% | -0.598%Below | $1,727Fees | ||
USDA Loans | — | 61 | 17.2% | +0.375%Above | $2,742Fees |
Conventional
OverallSound
ProductAcceptable
Pricing—
Pull ThroughSound
Volume38
Mix10.7%
Spread
+1.747%Above
Fees
$2,776Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume245
Mix69.0%
Spread
+0.296%Above
Fees
$2,397Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix3.1%
Spread
-0.598%Below
Fees
$1,727Fees
USDA Loans
OverallExceptional
ProductExceptional
Pricing—
Pull ThroughExceptional
Volume61
Mix17.2%
Spread
+0.375%Above
Fees
$2,742Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 345 | 97.2% | +0.337%Above | $2,379Fees | ||||
Refinance | — | — | 10 | 2.8% | +0.283%Above | $3,116Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume345
Mix97.2%
Spread
+0.337%Above
Fees
$2,379Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume10
Mix2.8%
Spread
+0.283%Above
Fees
$3,116Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
355
Applications
495
Volume
$50 million
Pricing & Closing
Avg Rate Spread
+0.334%
vs. market APOR
Avg Net Fees
$2,418
Origination − Credits
Pullthrough Rate
71.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$142,718
Avg Borrower Income
$54,668
Avg Property Value
$168,775
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
0
of 50 states + DC
Avg Place Specialization
Strong
4/5
Top Metro Areas by Place Specialization Score
Volume 317Mix 89.30% of portfolio
85/100
Exceptional
Volume 19Mix 5.35% of portfolio
57/100
SoundHow 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.