We analyzed every closed loan from Go Mortgage — 1.5k 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
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Near-National · 22 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 52 basis points above market average
Explore another lender or local market
Report Card
Go Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+52.2 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
975 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
FHA
357 loans · 0.83% above market
Strong
Top 40% of lenders
4/5
VA
98 loans · 0.02% below market
Strong
Top 40% of lenders
4/5
Jumbo
12 loans · 0.41% above market
Sound
Top 60% of lenders
3/5
USDA
20 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
1,398 loans · 0.54% above market
Strong
Top 40% of lenders
4/5
Refinance
64 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 23 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 | 975 | 66.7% | +0.454%Above | $3,530Fees | ||||
FHA Loans | 357 | 24.4% | +0.833%Above | $3,958Fees | ||||
VA Loans | 98 | 6.7% | -0.017%Below | $3,966Fees | ||||
Jumbo Loans | — | 12 | 0.8% | +0.415%Above | $6,115Fees | |||
USDA Loans | — | 20 | 1.4% | +0.397%Above | $2,143Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume975
Mix66.7%
Spread
+0.454%Above
Fees
$3,530Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume357
Mix24.4%
Spread
+0.833%Above
Fees
$3,958Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume98
Mix6.7%
Spread
-0.017%Below
Fees
$3,966Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume12
Mix0.8%
Spread
+0.415%Above
Fees
$6,115Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughAcceptable
Volume20
Mix1.4%
Spread
+0.397%Above
Fees
$2,143Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,398 | 95.6% | +0.540%Above | $3,642Fees | ||||
Refinance | 64 | 4.4% | +0.209%Above | $3,757Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,398
Mix95.6%
Spread
+0.540%Above
Fees
$3,642Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume64
Mix4.4%
Spread
+0.209%Above
Fees
$3,757Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,462
Applications
2,047
Volume
$471 million
Pricing & Closing
Avg Rate Spread
+0.522%
vs. market APOR
Avg Net Fees
$3,649
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$322,428
Avg Borrower Income
$133,855
Avg Property Value
$396,006
Geographic Coverage
Geographic Performance
Metro Areas
22
markets with activity
States Served
31
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
31Full-year 2024 · HMDALoans originated
< 1010–5050–200200+None
Northeast4
MEMANJPA
Midwest9
IAILINKSMIMNMOOHWI
South14
ALDEFLGAKYLAMDMSNCSCTNTXVAWV
West4
AZCACOWA
Top Metro Areas by Place Specialization Score
Showing 10 of 22 metro areas
Top States by Place Specialization Score
Showing 10 of 15 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.