We analyzed every closed loan from GoodLeap — 6.2k loans across 14k 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
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
GoodLeap performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 4.7 bps below market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
3,222 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
FHA
2,237 loans · 0.04% below market
Exceptional
Top 20% of lenders
5/5
VA
704 loans · 0.49% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
26 loans · 0.42% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
6,138 loans · 0.05% below market
Exceptional
Top 20% of lenders
5/5
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 | 3,222 | 52.3% | +0.048%Above | $2,988Fees | ||||
FHA Loans | 2,237 | 36.3% | -0.041%Below | $4,873Fees | ||||
VA Loans | 704 | 11.4% | -0.493%Below | $5,371Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume3,222
Mix52.3%
Spread
+0.048%Above
Fees
$2,988Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume2,237
Mix36.3%
Spread
-0.041%Below
Fees
$4,873Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume704
Mix11.4%
Spread
-0.493%Below
Fees
$5,371Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 26 | 0.4% | +0.424%Above | $2,774Fees | ||||
Refinance | 6,138 | 99.6% | -0.052%Below | $3,920Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
Volume26
Mix0.4%
Spread
+0.424%Above
Fees
$2,774Fees
Refinance
OverallStrong
ProductExceptional
PricingSound
Pull ThroughSound
Volume6,138
Mix99.6%
Spread
-0.052%Below
Fees
$3,920Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,164
Applications
13,660
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.047%
vs. market APOR
Avg Net Fees
$3,908
Origination − Credits
Pullthrough Rate
45.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$192,896
Avg Borrower Income
$78,284
Avg Property Value
$335,054
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
35
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
35Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Northeast5
CTMEMANJPA
Midwest7
INKSMIMNMOOHWI
South13
ALARDCDEFLGAMDNCOKSCTNTXVA
West10
AZCACOHIIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 114Mix 1.85% of portfolio
67/100
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 32 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.