Assurance Financial Group
We analyzed every closed loan from Assurance Financial Group — 2.1k loans across 3k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 18 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 50 basis points above market average
Explore another lender or local market
Report Card
Assurance Financial Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+50.4 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,249 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
FHA
521 loans · 0.86% above market
Exceptional
Top 20% of lenders
5/5
VA
139 loans · 0.07% below market
Strong
Top 40% of lenders
4/5
Jumbo
13 loans · 0.85% above market
Sound
Top 60% of lenders
3/5
USDA
134 loans · 0.53% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,802 loans · 0.52% above market
Exceptional
Top 20% of lenders
5/5
Refinance
254 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 19 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 | 1,249 | 60.7% | +0.387%Above | $2,900Fees | ||||
FHA Loans | 521 | 25.3% | +0.864%Above | $3,062Fees | ||||
VA Loans | 139 | 6.8% | -0.068%Below | $2,731Fees | ||||
Jumbo Loans | — | 13 | 0.6% | +0.853%Above | $4,400Fees | |||
USDA Loans | 134 | 6.5% | +0.527%Above | $2,357Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,249
Mix60.7%
Spread
+0.387%Above
Fees
$2,900Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume521
Mix25.3%
Spread
+0.864%Above
Fees
$3,062Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume139
Mix6.8%
Spread
-0.068%Below
Fees
$2,731Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume13
Mix0.6%
Spread
+0.853%Above
Fees
$4,400Fees
USDA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume134
Mix6.5%
Spread
+0.527%Above
Fees
$2,357Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,802 | 87.6% | +0.520%Above | $2,951Fees | ||||
Refinance | 254 | 12.4% | +0.396%Above | $2,703Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,802
Mix87.6%
Spread
+0.520%Above
Fees
$2,951Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume254
Mix12.4%
Spread
+0.396%Above
Fees
$2,703Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,056
Applications
2,749
Volume
$556 million
Pricing & Closing
Avg Rate Spread
+0.504%
vs. market APOR
Avg Net Fees
$2,918
Origination − Credits
Pullthrough Rate
74.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$270,657
Avg Borrower Income
$126,592
Avg Property Value
$334,066
Geographic Coverage
Geographic Performance
Metro Areas
18
markets with activity
States Served
27
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
27Full-year 2024 · HMDALoans originated
< 1010–2020–100100–200200+None
Northeast2
NHPA
Midwest7
ILINMIMNNEOHWI
South15
ALARFLGAKYLAMDMSNCOKSCTNTXVAWV
West3
CACOWA
Top Metro Areas by Place Specialization Score
Showing 10 of 18 metro areas
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, 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.