Financial Concepts Mortgage
We analyzed every closed loan from Financial Concepts Mortgage — 420 loans across 467 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Financial Concepts Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+37.5 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
208 loans · 0.17% above market
Sound
Top 60% of lenders
3/5
FHA
141 loans · 0.82% above market
Strong
Top 40% of lenders
4/5
VA
65 loans · 0.02% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
408 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
Refinance
12 loans
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 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 | 208 | 49.5% | +0.169%Above | $3,010Fees | ||||
FHA Loans | 141 | 33.6% | +0.823%Above | $2,045Fees | ||||
VA Loans | 65 | 15.5% | +0.021%Above | $1,655Fees |
Conventional
OverallStrong
ProductSound
PricingSound
Pull ThroughExceptional
Volume208
Mix49.5%
Spread
+0.169%Above
Fees
$3,010Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume141
Mix33.6%
Spread
+0.823%Above
Fees
$2,045Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume65
Mix15.5%
Spread
+0.021%Above
Fees
$1,655Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 408 | 97.1% | +0.375%Above | $2,412Fees | ||||
Refinance | — | 12 | 2.9% | — | — |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume408
Mix97.1%
Spread
+0.375%Above
Fees
$2,412Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughSound
Volume12
Mix2.9%
Spread—
Fees—
At a Glance
Lender Overview
Lending Activity
Loans Originated
420
Applications
467
Volume
$102 million
Pricing & Closing
Avg Rate Spread
+0.375%
vs. market APOR
Avg Net Fees
$2,412
Origination − Credits
Pullthrough Rate
89.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$245,000
Avg Borrower Income
$121,338
Avg Property Value
$289,286
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
All statesNone
Midwest1
KS
South2
OKTX
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.