GoPrime Mortgage
We analyzed every closed loan from GoPrime Mortgage — 1.2k 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
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Near-National · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Champion
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
GoPrime Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+10.5 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
526 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
FHA
169 loans · 0.77% above market
Strong
Top 40% of lenders
4/5
VA
499 loans · 0.34% below market
Exceptional
Top 20% of lenders
5/5
USDA
39 loans · 0.27% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,177 loans · 0.11% above market
Strong
Top 40% of lenders
4/5
Refinance
63 loans · 0.03% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 14 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 | 526 | 42.4% | +0.273%Above | $3,156Fees | ||||
FHA Loans | 169 | 13.6% | +0.765%Above | $3,006Fees | ||||
VA Loans | 499 | 40.2% | -0.345%Below | $1,448Fees | ||||
USDA Loans | 39 | 3.1% | +0.274%Above | $1,281Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume526
Mix42.4%
Spread
+0.273%Above
Fees
$3,156Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume169
Mix13.6%
Spread
+0.765%Above
Fees
$3,006Fees
VA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume499
Mix40.2%
Spread
-0.345%Below
Fees
$1,448Fees
USDA Loans
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume39
Mix3.1%
Spread
+0.274%Above
Fees
$1,281Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,177 | 94.9% | +0.110%Above | $2,374Fees | ||||
Refinance | 63 | 5.1% | +0.033%Above | $2,939Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,177
Mix94.9%
Spread
+0.110%Above
Fees
$2,374Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume63
Mix5.1%
Spread
+0.033%Above
Fees
$2,939Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,240
Applications
1,567
Volume
$437 million
Pricing & Closing
Avg Rate Spread
+0.105%
vs. market APOR
Avg Net Fees
$2,412
Origination − Credits
Pullthrough Rate
79.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$353,177
Avg Borrower Income
$129,490
Avg Property Value
$424,774
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
32
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
32Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast3
MENJPA
Midwest5
INMIMNOHWI
South14
ALDCFLGAKYMDMSNCOKSCTNTXVAWV
West10
AKAZCACOIDMTNVORWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 13 metro areas
Top States by Place Specialization Score
Showing 10 of 13 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.