1ST Priority Mortgage
We analyzed every closed loan from 1ST Priority Mortgage — 1.5k 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
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 11 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
1ST Priority Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+22.8 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,283 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
FHA
144 loans · 0.48% above market
Strong
Top 40% of lenders
4/5
VA
46 loans · 0.27% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,457 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
Refinance
24 loans · 0.17% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 12 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 | 1,283 | 86.6% | +0.214%Above | $2,314Fees | ||||
FHA Loans | 144 | 9.7% | +0.485%Above | $2,099Fees | ||||
VA Loans | 46 | 3.1% | -0.266%Below | $2,373Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,283
Mix86.6%
Spread
+0.214%Above
Fees
$2,314Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume144
Mix9.7%
Spread
+0.485%Above
Fees
$2,099Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume46
Mix3.1%
Spread
-0.266%Below
Fees
$2,373Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,457 | 98.4% | +0.229%Above | $2,289Fees | ||||
Refinance | 24 | 1.6% | +0.167%Above | $2,884Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,457
Mix98.4%
Spread
+0.229%Above
Fees
$2,289Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume24
Mix1.6%
Spread
+0.167%Above
Fees
$2,884Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,481
Applications
1,790
Volume
$420 million
Pricing & Closing
Avg Rate Spread
+0.228%
vs. market APOR
Avg Net Fees
$2,298
Origination − Credits
Pullthrough Rate
82.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$284,169
Avg Borrower Income
$129,878
Avg Property Value
$361,799
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
5Full-year 2024 · HMDALoans originated
< 1010–5050+None
Northeast4
CTNJNYPA
South1
FL
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
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 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.