We analyzed every closed loan from Elevations — 1.6k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Single State · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and VA and Jumbo loans
Explore another lender or local market
Report Card
Elevations performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+16.7 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,371 loans · 0.17% above market
Exceptional
Top 20% of lenders
5/5
FHA
42 loans · 0.36% above market
Sound
Top 60% of lenders
3/5
VA
34 loans · 0.36% below market
Strong
Top 40% of lenders
4/5
Jumbo
195 loans · 0.20% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,465 loans · 0.16% above market
Exceptional
Top 20% of lenders
5/5
Refinance
177 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 6 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 | 1,371 | 83.5% | +0.168%Above | $1,134Fees | ||||
FHA Loans | 42 | 2.6% | +0.357%Above | $2,329Fees | ||||
VA Loans | 34 | 2.1% | -0.363%Below | $1,790Fees | ||||
Jumbo Loans | 195 | 11.9% | +0.202%Above | $118Credit |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,371
Mix83.5%
Spread
+0.168%Above
Fees
$1,134Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume42
Mix2.6%
Spread
+0.357%Above
Fees
$2,329Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume34
Mix2.1%
Spread
-0.363%Below
Fees
$1,790Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume195
Mix11.9%
Spread
+0.202%Above
Fees
$118Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,465 | 89.2% | +0.161%Above | $1,003Fees | ||||
Refinance | 177 | 10.8% | +0.220%Above | $1,143Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,465
Mix89.2%
Spread
+0.161%Above
Fees
$1,003Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume177
Mix10.8%
Spread
+0.220%Above
Fees
$1,143Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,642
Applications
2,257
Volume
$891 million
Pricing & Closing
Avg Rate Spread
+0.167%
vs. market APOR
Avg Net Fees
$1,018
Origination − Credits
Pullthrough Rate
72.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$542,753
Avg Borrower Income
$206,400
Avg Property Value
$802,144
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
All statesNone
West1
CO
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.