Click n' Close
We analyzed every closed loan from Click n' Close — 6.8k loans across 12k 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
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 175 basis points above market average
- Higher than average fees ($6,444)
Explore another lender or local market
Report Card
Click n' Close performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+175.3 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
2,136 loans · 1.79% above market
Strong
Top 40% of lenders
4/5
FHA
3,812 loans · 1.75% above market
Exceptional
Top 20% of lenders
5/5
VA
404 loans
Strong
Top 40% of lenders
4/5
Jumbo
17 loans
Sound
Top 60% of lenders
3/5
USDA
444 loans · 1.63% above market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
6,206 loans · 1.75% above market
Exceptional
Top 20% of lenders
5/5
Refinance
607 loans · 1.81% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 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 | — | 2,136 | 31.4% | +1.792%Above | $6,369Fees | |||
FHA Loans | 3,812 | 56.0% | +1.754%Above | $6,592Fees | ||||
VA Loans | — | 404 | 5.9% | — | — | |||
Jumbo Loans | — | 17 | 0.2% | — | — | |||
USDA Loans | — | 444 | 6.5% | +1.628%Above | $2,969Fees |
Conventional
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume2,136
Mix31.4%
Spread
+1.792%Above
Fees
$6,369Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume3,812
Mix56.0%
Spread
+1.754%Above
Fees
$6,592Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume404
Mix5.9%
Spread—
Fees—
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume17
Mix0.2%
Spread—
Fees—
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughSound
Volume444
Mix6.5%
Spread
+1.628%Above
Fees
$2,969Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 6,206 | 91.1% | +1.752%Above | $6,428Fees | ||||
Refinance | — | 607 | 8.9% | +1.807%Above | $7,186Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume6,206
Mix91.1%
Spread
+1.752%Above
Fees
$6,428Fees
Refinance
OverallSound
ProductStrong
Pricing—
Pull ThroughAcceptable
Volume607
Mix8.9%
Spread
+1.807%Above
Fees
$7,186Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,813
Applications
12,189
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+1.753%
vs. market APOR
Avg Net Fees
$6,444
Origination − Credits
Pullthrough Rate
55.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$297,387
Avg Borrower Income
$124,868
Avg Property Value
$349,914
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
48
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
48Full-year 2024 · HMDALoans originated
< 2020–5050–100100–200200+None
Northeast7
CTMEMANJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 40 states
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.
Looking for a different lender?
Are you the owner of Click n' Close?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.