Data Mortgage
Data Mortgage has 220 closed loans in our dataset — fully analyzed and benchmarked against peers 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
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 5 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
Data Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+44.9 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
149 loans · 0.54% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
61 loans · 0.34% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
167 loans · 0.48% above market
Sound
Top 60% of lenders
3/5
Refinance
53 loans · 0.37% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 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 | 149 | 67.7% | +0.538%Above | $4,357Fees | ||||
FHA Loans | 61 | 27.7% | +0.342%Above | $3,146Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughSound
Volume149
Mix67.7%
Spread
+0.538%Above
Fees
$4,357Fees
FHA Loans
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume61
Mix27.7%
Spread
+0.342%Above
Fees
$3,146Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 167 | 75.9% | +0.480%Above | $4,561Fees | ||||
Refinance | 53 | 24.1% | +0.367%Above | $2,419Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume167
Mix75.9%
Spread
+0.480%Above
Fees
$4,561Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume53
Mix24.1%
Spread
+0.367%Above
Fees
$2,419Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
220
Applications
318
Volume
$95 million
Pricing & Closing
Avg Rate Spread
+0.449%
vs. market APOR
Avg Net Fees
$3,968
Origination − Credits
Pullthrough Rate
69.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$432,636
Avg Borrower Income
$149,741
Avg Property Value
$568,909
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
23
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
23Full-year 2024 · HMDALoans originated
All statesNone
Northeast3
CTNJPA
Midwest6
KSMIMNMOOHWI
South10
FLGAKYMDMSNCSCTNTXVA
West4
AZCANVOR
Top Metro Areas 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.