We analyzed every closed loan from FM Home Loans — 978 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
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 9 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
FM Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+35.0 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
819 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
FHA
44 loans · 0.59% above market
Sound
Top 60% of lenders
3/5
Jumbo
113 loans · 0.76% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
810 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
Refinance
168 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 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 | 819 | 83.7% | +0.308%Above | $2,569Fees | ||||
FHA Loans | 44 | 4.5% | +0.590%Above | $3,121Fees | ||||
Jumbo Loans | 113 | 11.6% | +0.757%Above | $2,697Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume819
Mix83.7%
Spread
+0.308%Above
Fees
$2,569Fees
FHA Loans
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume44
Mix4.5%
Spread
+0.590%Above
Fees
$3,121Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume113
Mix11.6%
Spread
+0.757%Above
Fees
$2,697Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 810 | 82.8% | +0.326%Above | $2,545Fees | ||||
Refinance | 168 | 17.2% | +0.492%Above | $2,932Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume810
Mix82.8%
Spread
+0.326%Above
Fees
$2,545Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume168
Mix17.2%
Spread
+0.492%Above
Fees
$2,932Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
978
Applications
1,508
Volume
$669 million
Pricing & Closing
Avg Rate Spread
+0.350%
vs. market APOR
Avg Net Fees
$2,601
Origination − Credits
Pullthrough Rate
64.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$684,172
Avg Borrower Income
$529,556
Avg Property Value
$1,048,057
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
19Full-year 2024 · HMDALoans originated
< 2020–100100–200200+None
Northeast6
CTMANJNYPARI
Midwest3
MIMNOH
South7
FLGAMDNCSCTNTX
West3
AZCACO
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.