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Claim this ProfileWe analyzed every closed loan from West Gate Bank — 1.8k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
Purchase
Champion
Refinance
Champion
VA
Superstar
Summary
What They Do Well
- Offers rates 3.70 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and VA and USDA loans
Explore another lender or local market
Report Card
West Gate Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 3.7 bps below market avg
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,646 loans · 0.02% below market
Exceptional
Top 20% of lenders
5/5
FHA
33 loans · 0.04% below market
Sound
Top 60% of lenders
3/5
VA
62 loans · 0.55% below market
Strong
Top 40% of lenders
4/5
USDA
18 loans · 0.30% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,478 loans · 0.03% below market
Strong
Top 40% of lenders
4/5
Refinance
282 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,646 | 93.5% | -0.021%Below | $1,110Fees | ||||
FHA Loans | — | 33 | 1.9% | -0.036%Below | $585Fees | |||
VA Loans | 62 | 3.5% | -0.546%Below | $1,635Fees | ||||
USDA Loans | — | 18 | 1.0% | -0.298%Below | $1,125Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume1,646
Mix93.5%
Spread
-0.021%Below
Fees
$1,110Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume33
Mix1.9%
Spread
-0.036%Below
Fees
$585Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume62
Mix3.5%
Spread
-0.546%Below
Fees
$1,635Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume18
Mix1.0%
Spread
-0.298%Below
Fees
$1,125Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,478 | 84.0% | -0.028%Below | $1,142Fees | ||||
Refinance | 282 | 16.0% | -0.082%Below | $1,009Fees |
Purchase
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume1,478
Mix84.0%
Spread
-0.028%Below
Fees
$1,142Fees
Refinance
OverallExceptional
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume282
Mix16.0%
Spread
-0.082%Below
Fees
$1,009Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,760
Applications
2,006
Volume
$459 million
Pricing & Closing
Avg Rate Spread
-0.037%
vs. market APOR
Avg Net Fees
$1,120
Origination − Credits
Pullthrough Rate
87.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$260,864
Avg Borrower Income
$129,532
Avg Property Value
$360,170
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
16Full-year 2024 · HMDALoans originated
< 1010–2020–5050–200200+None
Midwest8
IAILKSMNMONDNESD
South3
FLOKTX
West5
AZCOMTNMWY
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.