We analyzed every closed loan from Loansteady — 582 loans across 783 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 · USDA
Place
Sound
3/5
Near-National · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
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
Explore another lender or local market
Report Card
Loansteady performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+22.8 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
346 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
FHA
106 loans · 0.61% above market
Strong
Top 40% of lenders
4/5
VA
90 loans · 0.26% below market
Strong
Top 40% of lenders
4/5
USDA
36 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
539 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
Refinance
43 loans · 0.16% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Near-National · 13 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 | 346 | 59.5% | +0.183%Above | $2,094Fees | ||||
FHA Loans | 106 | 18.2% | +0.608%Above | $2,675Fees | ||||
VA Loans | 90 | 15.5% | -0.255%Below | $1,182Fees | ||||
USDA Loans | 36 | 6.2% | +0.545%Above | $1,937Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume346
Mix59.5%
Spread
+0.183%Above
Fees
$2,094Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume106
Mix18.2%
Spread
+0.608%Above
Fees
$2,675Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume90
Mix15.5%
Spread
-0.255%Below
Fees
$1,182Fees
USDA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume36
Mix6.2%
Spread
+0.545%Above
Fees
$1,937Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 539 | 92.6% | +0.234%Above | $2,216Fees | ||||
Refinance | 43 | 7.4% | +0.157%Above | $603Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume539
Mix92.6%
Spread
+0.234%Above
Fees
$2,216Fees
Refinance
OverallSound
ProductAcceptable
PricingStrong
Pull ThroughAcceptable
Volume43
Mix7.4%
Spread
+0.157%Above
Fees
$603Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
582
Applications
783
Volume
$216 million
Pricing & Closing
Avg Rate Spread
+0.228%
vs. market APOR
Avg Net Fees
$2,097
Origination − Credits
Pullthrough Rate
74.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$371,546
Avg Borrower Income
$151,957
Avg Property Value
$461,166
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
26
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
26Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast3
MANJPA
Midwest6
IAILMIMONDOH
South13
ALDCFLGALAMDMSNCSCTNTXVAWV
West4
AZCONMWA
Top Metro Areas by Place Specialization Score
Showing 10 of 12 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.