Lendlo Mortgage
We analyzed every closed loan from Lendlo Mortgage — 3.1k loans across 4k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Champion
USDA
Champion
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Lendlo Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+12.3 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
582 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
FHA
1,845 loans · 0.15% above market
Exceptional
Top 20% of lenders
5/5
VA
389 loans · 1.15% below market
Exceptional
Top 20% of lenders
5/5
USDA
276 loans · 0.16% below market
Exceptional
Top 10% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
3,091 loans · 0.12% above market
Exceptional
Top 20% of lenders
5/5
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 | 582 | 18.8% | +0.404%Above | $3,500Fees | ||||
FHA Loans | 1,845 | 59.7% | +0.149%Above | $3,002Fees | ||||
VA Loans | 389 | 12.6% | -1.152%Below | $49Fees | ||||
USDA Loans | 276 | 8.9% | -0.156%Below | $2,941Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume582
Mix18.8%
Spread
+0.404%Above
Fees
$3,500Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume1,845
Mix59.7%
Spread
+0.149%Above
Fees
$3,002Fees
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume389
Mix12.6%
Spread
-1.152%Below
Fees
$49Fees
USDA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume276
Mix8.9%
Spread
-0.156%Below
Fees
$2,941Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,091 | 100.0% | +0.122%Above | $2,960Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,091
Mix100.0%
Spread
+0.122%Above
Fees
$2,960Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,092
Applications
3,784
Volume
$695 million
Pricing & Closing
Avg Rate Spread
+0.123%
vs. market APOR
Avg Net Fees
$2,959
Origination − Credits
Pullthrough Rate
81.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$224,864
Avg Borrower Income
$85,128
Avg Property Value
$238,936
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
< 5050–500500–1,0001,000+None
Midwest2
KSMO
South4
ALAROKTX
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.