We analyzed every closed loan from Inb — 679 loans across 822 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 6 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
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Inb performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+30.0 bps above market avg
4/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
574 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
FHA
49 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
VA
51 loans · 0.25% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
631 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
Refinance
48 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 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 | 574 | 84.5% | +0.331%Above | $692Fees | ||||
FHA Loans | 49 | 7.2% | +0.462%Above | $537Fees | ||||
VA Loans | 51 | 7.5% | -0.249%Below | $112Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume574
Mix84.5%
Spread
+0.331%Above
Fees
$692Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume49
Mix7.2%
Spread
+0.462%Above
Fees
$537Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume51
Mix7.5%
Spread
-0.249%Below
Fees
$112Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 631 | 92.9% | +0.305%Above | $630Fees | ||||
Refinance | 48 | 7.1% | +0.239%Above | $785Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume631
Mix92.9%
Spread
+0.305%Above
Fees
$630Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume48
Mix7.1%
Spread
+0.239%Above
Fees
$785Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
679
Applications
822
Volume
$144 million
Pricing & Closing
Avg Rate Spread
+0.300%
vs. market APOR
Avg Net Fees
$642
Origination − Credits
Pullthrough Rate
82.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$213,336
Avg Borrower Income
$111,700
Avg Property Value
$265,133
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Full-year 2024 · HMDALoans originated
< 1010+None
Midwest4
ILINNEWI
South6
FLGAKYSCTNTX
West2
CAMT
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.