We analyzed every closed loan from DSLD Mortgage — 2.7k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Multi-Region · 16 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
FHA
Champion
VA
Champion
USDA
Champion
Purchase
Champion
Summary
What They Do Well
- Offers rates 30.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
DSLD Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 30.6 bps below market avg
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,205 loans · 0.29% below market
Exceptional
Top 20% of lenders
5/5
FHA
876 loans · 0.10% below market
Exceptional
Top 20% of lenders
5/5
VA
519 loans · 0.79% below market
Exceptional
Top 20% of lenders
5/5
USDA
142 loans · 0.53% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,703 loans · 0.31% below market
Exceptional
Top 20% of lenders
5/5
Refinance
39 loans · 0.26% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 16 markets
Exceptional
Top 20% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,205 | 43.9% | -0.288%Below | $109Fees | ||||
FHA Loans | 876 | 31.9% | -0.097%Below | $61Fees | ||||
VA Loans | 519 | 18.9% | -0.785%Below | $114Fees | ||||
USDA Loans | 142 | 5.2% | -0.532%Below | $140Fees |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,205
Mix43.9%
Spread
-0.288%Below
Fees
$109Fees
FHA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume876
Mix31.9%
Spread
-0.097%Below
Fees
$61Fees
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume519
Mix18.9%
Spread
-0.785%Below
Fees
$114Fees
USDA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume142
Mix5.2%
Spread
-0.532%Below
Fees
$140Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,703 | 98.6% | -0.307%Below | $53Fees | ||||
Refinance | 39 | 1.4% | -0.263%Below | $1,851Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume2,703
Mix98.6%
Spread
-0.307%Below
Fees
$53Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughAcceptable
Volume39
Mix1.4%
Spread
-0.263%Below
Fees
$1,851Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,742
Applications
3,765
Volume
$720 million
Pricing & Closing
Avg Rate Spread
-0.306%
vs. market APOR
Avg Net Fees
$94
Origination − Credits
Pullthrough Rate
72.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$262,582
Avg Borrower Income
$103,825
Avg Property Value
$298,085
Geographic Coverage
Geographic Performance
Metro Areas
16
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
< 5050–200200+None
South6
ALFLLAMSTNTX
Top Metro Areas by Place Specialization Score
Showing 10 of 16 metro areas
Top States 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.