Carolina One Mortgage
We analyzed every closed loan from Carolina One Mortgage — 515 loans across 709 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 · 2 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 VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Carolina One Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+23.5 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
336 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
FHA
87 loans · 0.62% above market
Strong
Top 40% of lenders
4/5
VA
77 loans · 0.26% below market
Strong
Top 40% of lenders
4/5
Jumbo
15 loans · 0.76% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
497 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
Refinance
18 loans · 0.11% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 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 | 336 | 65.2% | +0.212%Above | $2,863Fees | ||||
FHA Loans | 87 | 16.9% | +0.618%Above | $3,981Fees | ||||
VA Loans | 77 | 15.0% | -0.257%Below | $3,238Fees | ||||
Jumbo Loans | — | — | 15 | 2.9% | +0.755%Above | $3,131Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume336
Mix65.2%
Spread
+0.212%Above
Fees
$2,863Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume87
Mix16.9%
Spread
+0.618%Above
Fees
$3,981Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume77
Mix15.0%
Spread
-0.257%Below
Fees
$3,238Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume15
Mix2.9%
Spread
+0.755%Above
Fees
$3,131Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 497 | 96.5% | +0.240%Above | $3,099Fees | ||||
Refinance | — | 18 | 3.5% | +0.111%Above | $3,323Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume497
Mix96.5%
Spread
+0.240%Above
Fees
$3,099Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume18
Mix3.5%
Spread
+0.111%Above
Fees
$3,323Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
515
Applications
709
Volume
$186 million
Pricing & Closing
Avg Rate Spread
+0.235%
vs. market APOR
Avg Net Fees
$3,107
Origination − Credits
Pullthrough Rate
72.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$361,699
Avg Borrower Income
$133,757
Avg Property Value
$472,223
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.