Harborone Mortgage
We analyzed every closed loan from Harborone 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
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Harborone Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+16.9 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,221 loans · 0.14% above market
Exceptional
Top 20% of lenders
5/5
FHA
132 loans · 0.53% above market
Strong
Top 40% of lenders
4/5
VA
45 loans · 0.15% below market
Strong
Top 40% of lenders
4/5
Jumbo
53 loans · 0.11% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,277 loans · 0.17% above market
Exceptional
Top 20% of lenders
5/5
Refinance
176 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 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 | 1,221 | 84.0% | +0.144%Above | $2,319Fees | ||||
FHA Loans | 132 | 9.1% | +0.527%Above | $2,858Fees | ||||
VA Loans | 45 | 3.1% | -0.147%Below | $428Fees | ||||
Jumbo Loans | 53 | 3.6% | +0.106%Above | $691Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,221
Mix84.0%
Spread
+0.144%Above
Fees
$2,319Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume132
Mix9.1%
Spread
+0.527%Above
Fees
$2,858Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume45
Mix3.1%
Spread
-0.147%Below
Fees
$428Fees
Jumbo Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume53
Mix3.6%
Spread
+0.106%Above
Fees
$691Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,277 | 87.9% | +0.173%Above | $2,231Fees | ||||
Refinance | 176 | 12.1% | +0.142%Above | $2,507Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,277
Mix87.9%
Spread
+0.173%Above
Fees
$2,231Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume176
Mix12.1%
Spread
+0.142%Above
Fees
$2,507Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,453
Applications
2,033
Volume
$620 million
Pricing & Closing
Avg Rate Spread
+0.169%
vs. market APOR
Avg Net Fees
$2,265
Origination − Credits
Pullthrough Rate
71.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$427,340
Avg Borrower Income
$170,847
Avg Property Value
$583,369
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Northeast8
CTMEMANHNJPARIVT
South3
FLNCSC
Top Metro Areas by Place Specialization Score
Showing 10 of 13 metro areas
Top States by Place Specialization Score
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.