Bond Street Mortgage
We analyzed every closed loan from Bond Street Mortgage — 763 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
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Bond Street Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+32.7 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
597 loans · 0.32% above market
Sound
Top 60% of lenders
3/5
FHA
136 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
VA
19 loans · 0.13% below market
Sound
Top 60% of lenders
3/5
Jumbo
10 loans · 0.53% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
656 loans · 0.32% above market
Sound
Top 60% of lenders
3/5
Refinance
107 loans · 0.39% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 597 | 78.2% | +0.317%Above | $2,803Fees | ||||
FHA Loans | 136 | 17.8% | +0.413%Above | $3,345Fees | ||||
VA Loans | — | 19 | 2.5% | -0.129%Below | $3,012Fees | |||
Jumbo Loans | — | — | 10 | 1.3% | +0.528%Above | $1,436Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume597
Mix78.2%
Spread
+0.317%Above
Fees
$2,803Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume136
Mix17.8%
Spread
+0.413%Above
Fees
$3,345Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume19
Mix2.5%
Spread
-0.129%Below
Fees
$3,012Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix1.3%
Spread
+0.528%Above
Fees
$1,436Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 656 | 86.0% | +0.317%Above | $2,776Fees | ||||
Refinance | 107 | 14.0% | +0.392%Above | $3,607Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume656
Mix86.0%
Spread
+0.317%Above
Fees
$2,776Fees
Refinance
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume107
Mix14.0%
Spread
+0.392%Above
Fees
$3,607Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
763
Applications
1,094
Volume
$349 million
Pricing & Closing
Avg Rate Spread
+0.327%
vs. market APOR
Avg Net Fees
$2,888
Origination − Credits
Pullthrough Rate
69.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$457,962
Avg Borrower Income
$212,932
Avg Property Value
$610,190
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
17Full-year 2024 · HMDALoans originated
< 2020+None
Northeast5
CTMANJNYPA
Midwest3
MIOHWI
South8
DEFLGAMDNCSCTXVA
West1
CA
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.