Leaderone Financial Corporation
We analyzed every closed loan from Leaderone Financial Corporation — 3.9k loans across 6k 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 · Jumbo · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
USDA
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
Things to Think About
- Rates typically 61 basis points above market average
Explore another lender or local market
Report Card
Leaderone Financial Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+60.6 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,136 loans · 0.52% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,265 loans · 0.90% above market
Exceptional
Top 20% of lenders
5/5
VA
324 loans · 0.16% above market
Exceptional
Top 20% of lenders
5/5
Jumbo
45 loans · 0.39% above market
Sound
Top 60% of lenders
3/5
USDA
104 loans · 0.51% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
3,472 loans · 0.62% above market
Exceptional
Top 20% of lenders
5/5
Refinance
402 loans · 0.48% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 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 | 2,136 | 55.1% | +0.516%Above | $2,814Fees | ||||
FHA Loans | 1,265 | 32.7% | +0.895%Above | $3,439Fees | ||||
VA Loans | 324 | 8.4% | +0.164%Above | $3,940Fees | ||||
Jumbo Loans | 45 | 1.2% | +0.386%Above | $2,403Fees | ||||
USDA Loans | 104 | 2.7% | +0.514%Above | $2,193Fees |
Conventional
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,136
Mix55.1%
Spread
+0.516%Above
Fees
$2,814Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume1,265
Mix32.7%
Spread
+0.895%Above
Fees
$3,439Fees
VA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume324
Mix8.4%
Spread
+0.164%Above
Fees
$3,940Fees
Jumbo Loans
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume45
Mix1.2%
Spread
+0.386%Above
Fees
$2,403Fees
USDA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume104
Mix2.7%
Spread
+0.514%Above
Fees
$2,193Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,472 | 89.6% | +0.624%Above | $3,091Fees | ||||
Refinance | 402 | 10.4% | +0.481%Above | $2,795Fees |
Purchase
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,472
Mix89.6%
Spread
+0.624%Above
Fees
$3,091Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume402
Mix10.4%
Spread
+0.481%Above
Fees
$2,795Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,874
Applications
5,608
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.606%
vs. market APOR
Avg Net Fees
$3,054
Origination − Credits
Pullthrough Rate
69.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$314,473
Avg Borrower Income
$121,818
Avg Property Value
$390,416
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
43
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
43Full-year 2024 · HMDALoans originated
< 1010–5050–100100–200200+None
Northeast8
CTMEMANHNJPARIVT
Midwest11
IAILINKSMIMNMONEOHSDWI
South14
ALARDEFLGAKYMDMSNCOKSCTNTXVA
West10
AZCACOIDMTNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 29 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.