Key Mortgage Services
We analyzed every closed loan from Key Mortgage Services — 1.3k 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
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
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
Key Mortgage Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+34.9 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,166 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
FHA
92 loans · 0.59% above market
Strong
Top 40% of lenders
4/5
VA
37 loans · 0.09% below market
Strong
Top 40% of lenders
4/5
Jumbo
22 loans · 0.37% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,260 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
Refinance
57 loans · 0.20% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 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 | 1,166 | 88.5% | +0.344%Above | $1,749Fees | ||||
FHA Loans | 92 | 7.0% | +0.587%Above | $1,844Fees | ||||
VA Loans | 37 | 2.8% | -0.086%Below | $1,439Fees | ||||
Jumbo Loans | 22 | 1.7% | +0.371%Above | $1,495Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,166
Mix88.5%
Spread
+0.344%Above
Fees
$1,749Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume92
Mix7.0%
Spread
+0.587%Above
Fees
$1,844Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume37
Mix2.8%
Spread
-0.086%Below
Fees
$1,439Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume22
Mix1.7%
Spread
+0.371%Above
Fees
$1,495Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,260 | 95.7% | +0.356%Above | $1,750Fees | ||||
Refinance | 57 | 4.3% | +0.204%Above | $1,606Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,260
Mix95.7%
Spread
+0.356%Above
Fees
$1,750Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume57
Mix4.3%
Spread
+0.204%Above
Fees
$1,606Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,317
Applications
1,811
Volume
$441 million
Pricing & Closing
Avg Rate Spread
+0.349%
vs. market APOR
Avg Net Fees
$1,744
Origination − Credits
Pullthrough Rate
72.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$335,319
Avg Borrower Income
$147,916
Avg Property Value
$427,901
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 1010–2020+None
Midwest5
ILINMIOHWI
South2
FLTX
West3
AZCOWA
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.