Advance Financial Group
We analyzed every closed loan from Advance Financial Group — 479 loans across 602 applications— and benchmarked them against peer lenders 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 · Jumbo
Place
Exceptional
5/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,243)
Explore another lender or local market
Report Card
Advance Financial Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+9.6 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
200 loans · 0.22% above market
Sound
Top 60% of lenders
3/5
FHA
88 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
VA
167 loans · 0.34% below market
Strong
Top 40% of lenders
4/5
Jumbo
20 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
464 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
Refinance
15 loans · 0.05% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 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 | 200 | 41.8% | +0.222%Above | $4,247Fees | ||||
FHA Loans | 88 | 18.4% | +0.383%Above | $3,882Fees | ||||
VA Loans | 167 | 34.9% | -0.336%Below | $4,105Fees | ||||
Jumbo Loans | — | 20 | 4.2% | +0.434%Above | $7,447Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume200
Mix41.8%
Spread
+0.222%Above
Fees
$4,247Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume88
Mix18.4%
Spread
+0.383%Above
Fees
$3,882Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume167
Mix34.9%
Spread
-0.336%Below
Fees
$4,105Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume20
Mix4.2%
Spread
+0.434%Above
Fees
$7,447Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 464 | 96.9% | +0.102%Above | $4,200Fees | ||||
Refinance | — | 15 | 3.1% | -0.052%Below | $5,186Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume464
Mix96.9%
Spread
+0.102%Above
Fees
$4,200Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume15
Mix3.1%
Spread
-0.052%Below
Fees
$5,186Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
479
Applications
602
Volume
$195 million
Pricing & Closing
Avg Rate Spread
+0.096%
vs. market APOR
Avg Net Fees
$4,243
Origination − Credits
Pullthrough Rate
79.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$408,549
Avg Borrower Income
$156,044
Avg Property Value
$487,359
Geographic Coverage
Geographic Performance
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.