Filo Mortgage
We analyzed every closed loan from Filo Mortgage — 1.9k 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
Strong
4/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and FHA and VA 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
Filo Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+13.9 bps above market avg
4/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
1,366 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
FHA
363 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
VA
159 loans · 0.58% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,325 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
Refinance
569 loans · 0.10% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-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 | 1,366 | 72.1% | +0.192%Above | $566Fees | ||||
FHA Loans | 363 | 19.2% | +0.215%Above | $327Fees | ||||
VA Loans | 159 | 8.4% | -0.579%Below | $512Credit |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume1,366
Mix72.1%
Spread
+0.192%Above
Fees
$566Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume363
Mix19.2%
Spread
+0.215%Above
Fees
$327Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume159
Mix8.4%
Spread
-0.579%Below
Fees
$512Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,325 | 70.0% | +0.194%Above | $697Fees | ||||
Refinance | 569 | 30.0% | -0.099%Below | $692Credit |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume1,325
Mix70.0%
Spread
+0.194%Above
Fees
$697Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume569
Mix30.0%
Spread
-0.099%Below
Fees
$692Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,894
Applications
3,805
Volume
$729 million
Pricing & Closing
Avg Rate Spread
+0.139%
vs. market APOR
Avg Net Fees
$439
Origination − Credits
Pullthrough Rate
49.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$385,211
Avg Borrower Income
$157,548
Avg Property Value
$503,200
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
27
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
27Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast3
CTNJPA
Midwest7
IAILINMIMNOHWI
South11
ALDEFLGALAMDNCSCTNTXVA
West6
AZCACOORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 25 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.