We analyzed every closed loan from Wilmington Savings Fund Society — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 6 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 7.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Wilmington Savings Fund Society performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 7.0 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 7 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 | 985 | 86.7% | -0.096%Below | $528Fees | ||||
FHA Loans | 74 | 6.5% | +0.286%Above | $1,736Credit | ||||
VA Loans | — | — | 13 | 1.1% | -0.286%Below | $695Fees | ||
Jumbo Loans | 64 | 5.6% | +0.025%Above | $5,392Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume985
Mix86.7%
Spread
-0.096%Below
Fees
$528Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume74
Mix6.5%
Spread
+0.286%Above
Fees
$1,736Credit
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume13
Mix1.1%
Spread
-0.286%Below
Fees
$695Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume64
Mix5.6%
Spread
+0.025%Above
Fees
$5,392Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,021 | 89.9% | -0.093%Below | $414Fees | ||||
Refinance | 115 | 10.1% | +0.115%Above | $2,441Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,021
Mix89.9%
Spread
-0.093%Below
Fees
$414Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume115
Mix10.1%
Spread
+0.115%Above
Fees
$2,441Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,136
Applications
1,450
Volume
$402 million
Pricing & Closing
Avg Rate Spread
-0.070%
vs. market APOR
Avg Net Fees
$643
Origination − Credits
Pullthrough Rate
78.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$354,005
Avg Borrower Income
$165,651
Avg Property Value
$495,660
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
28Northeast6
CTMENJNYPAVT
Midwest4
ILMINDOH
South12
ALDCDEFLGAMDNCSCTNTXVAWV
West6
AZCACOMTNMUT
Top Metro Areas by Place Specialization Score
Volume 458Mix 40.32% of portfolio
95/100
Exceptional
Volume 208Mix 18.31% of portfolio
82/100
Exceptional
Volume 184Mix 16.20% of portfolio
82/100
Exceptional
Volume 78Mix 6.87% of portfolio
68/100
Strong
Volume 25Mix 2.20% of portfolio
60/100
Sound
Volume 22Mix 1.94% of portfolio
54/100
SoundTop States by Place Specialization Score
1
PennsylvaniaState
Volume 664Mix 58.45% of portfolio
85/100
Exceptional2
DelawareState
Volume 265Mix 23.33% of portfolio
83/100
Exceptional3
New JerseyState
Volume 117Mix 10.30% of portfolio
66/100
Strong4
MarylandState
Volume 16Mix 1.41% of portfolio
42/100
Sound5
AlabamaState
Volume 10Mix 0.88% of portfolio
38/100
Acceptable6
FloridaState
Volume 13Mix 1.14% of portfolio
35/100
AcceptableHow 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.