We analyzed every closed loan from Digital — 861 loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 16 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Superstar
Summary
What They Do Well
- Offers rates 9.60 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Digital performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 9.6 bps below market avg
5/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
762 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
Jumbo
99 loans · 0.23% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
694 loans · 0.07% below market
Strong
Top 40% of lenders
4/5
Refinance
167 loans · 0.21% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 17 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 | 762 | 88.5% | -0.081%Below | $954Fees | ||||
Jumbo Loans | 99 | 11.5% | -0.225%Below | $153Fees |
Conventional
OverallSound
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume762
Mix88.5%
Spread
-0.081%Below
Fees
$954Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume99
Mix11.5%
Spread
-0.225%Below
Fees
$153Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 694 | 80.6% | -0.070%Below | $926Fees | ||||
Refinance | 167 | 19.4% | -0.206%Below | $614Fees |
Purchase
OverallSound
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume694
Mix80.6%
Spread
-0.070%Below
Fees
$926Fees
Refinance
OverallSound
ProductStrong
PricingStrong
Pull ThroughAcceptable
Volume167
Mix19.4%
Spread
-0.206%Below
Fees
$614Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
861
Applications
4,192
Volume
$414 million
Pricing & Closing
Avg Rate Spread
-0.096%
vs. market APOR
Avg Net Fees
$866
Origination − Credits
Pullthrough Rate
20.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$481,458
Avg Borrower Income
$199,110
Avg Property Value
$653,722
Geographic Coverage
Geographic Performance
Metro Areas
16
markets with activity
States Served
38
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
38Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest9
ILINKSMIMNMONEOHWI
South13
ALARDEFLGAMDMSNCOKSCTNTXVA
West7
AZCACONMNVORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 16 metro areas
Top States by Place Specialization Score
Showing 10 of 16 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.
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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.