We analyzed every closed loan from BLG Holdings — 449 loans across 561 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Regional · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and USDA loans
Things to Think About
- Rates typically 65 basis points above market average
Explore another lender or local market
Report Card
BLG Holdings performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+65.4 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
302 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
FHA
106 loans · 1.06% above market
Strong
Top 40% of lenders
4/5
VA
13 loans · 0.11% above market
Sound
Top 60% of lenders
3/5
USDA
28 loans · 1.03% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
422 loans · 0.66% above market
Strong
Top 40% of lenders
4/5
Refinance
27 loans · 0.63% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 6 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 | 302 | 67.3% | +0.551%Above | $3,115Fees | ||||
FHA Loans | 106 | 23.6% | +1.065%Above | $3,397Fees | ||||
VA Loans | — | — | 13 | 2.9% | +0.110%Above | $3,656Fees | ||
USDA Loans | — | 28 | 6.2% | +1.027%Above | $3,707Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume302
Mix67.3%
Spread
+0.551%Above
Fees
$3,115Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume106
Mix23.6%
Spread
+1.065%Above
Fees
$3,397Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume13
Mix2.9%
Spread
+0.110%Above
Fees
$3,656Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume28
Mix6.2%
Spread
+1.027%Above
Fees
$3,707Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 422 | 94.0% | +0.655%Above | $3,156Fees | ||||
Refinance | 27 | 6.0% | +0.630%Above | $3,642Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume422
Mix94.0%
Spread
+0.655%Above
Fees
$3,156Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughSound
Volume27
Mix6.0%
Spread
+0.630%Above
Fees
$3,642Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
449
Applications
561
Volume
$88 million
Pricing & Closing
Avg Rate Spread
+0.654%
vs. market APOR
Avg Net Fees
$3,187
Origination − Credits
Pullthrough Rate
80.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$196,336
Avg Borrower Income
$86,991
Avg Property Value
$228,118
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
2Full-year 2024 · HMDALoans originated
All statesNone
Midwest1
MI
West1
AZ
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.