Hamilton Mortgage Corporation
We analyzed every closed loan from Hamilton Mortgage Corporation — 475 loans across 597 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
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Regional · 9 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
USDA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Hamilton Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+34.4 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
212 loans · 0.26% above market
Sound
Top 60% of lenders
3/5
FHA
187 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
VA
21 loans · 0.02% above market
Sound
Top 60% of lenders
3/5
USDA
55 loans · 0.25% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
426 loans · 0.35% above market
Sound
Top 60% of lenders
3/5
Refinance
49 loans · 0.30% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
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 | 212 | 44.6% | +0.255%Above | $2,823Fees | ||||
FHA Loans | 187 | 39.4% | +0.470%Above | $2,984Fees | ||||
VA Loans | — | 21 | 4.4% | +0.022%Above | $2,573Fees | |||
USDA Loans | 55 | 11.6% | +0.247%Above | $1,875Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume212
Mix44.6%
Spread
+0.255%Above
Fees
$2,823Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume187
Mix39.4%
Spread
+0.470%Above
Fees
$2,984Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume21
Mix4.4%
Spread
+0.022%Above
Fees
$2,573Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume55
Mix11.6%
Spread
+0.247%Above
Fees
$1,875Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 426 | 89.7% | +0.354%Above | $2,782Fees | ||||
Refinance | 49 | 10.3% | +0.301%Above | $2,904Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume426
Mix89.7%
Spread
+0.354%Above
Fees
$2,782Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume49
Mix10.3%
Spread
+0.301%Above
Fees
$2,904Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
475
Applications
597
Volume
$92 million
Pricing & Closing
Avg Rate Spread
+0.344%
vs. market APOR
Avg Net Fees
$2,804
Origination − Credits
Pullthrough Rate
79.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$194,600
Avg Borrower Income
$94,453
Avg Property Value
$264,916
Geographic Coverage
Geographic Performance
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.