LPMC has 244 closed loans in our dataset — fully analyzed and benchmarked against peers 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
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
LPMC performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+34.0 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
175 loans · 0.36% above market
Sound
Top 60% of lenders
3/5
FHA
53 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
VA
13 loans · 0.25% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
209 loans · 0.34% above market
Sound
Top 60% of lenders
3/5
Refinance
35 loans · 0.31% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
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 | 175 | 71.7% | +0.358%Above | $4,018Fees | ||||
FHA Loans | 53 | 21.7% | +0.386%Above | $3,490Fees | ||||
VA Loans | — | — | 13 | 5.3% | -0.251%Below | $3,469Fees |
Conventional
OverallSound
ProductSound
PricingMediocre
Pull ThroughStrong
Volume175
Mix71.7%
Spread
+0.358%Above
Fees
$4,018Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume53
Mix21.7%
Spread
+0.386%Above
Fees
$3,490Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume13
Mix5.3%
Spread
-0.251%Below
Fees
$3,469Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 209 | 85.7% | +0.344%Above | $3,902Fees | ||||
Refinance | 35 | 14.3% | +0.312%Above | $3,901Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume209
Mix85.7%
Spread
+0.344%Above
Fees
$3,902Fees
Refinance
OverallSound
ProductSound
PricingMediocre
Pull ThroughStrong
Volume35
Mix14.3%
Spread
+0.312%Above
Fees
$3,901Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
244
Applications
318
Volume
$90 million
Pricing & Closing
Avg Rate Spread
+0.340%
vs. market APOR
Avg Net Fees
$3,902
Origination − Credits
Pullthrough Rate
76.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$369,098
Avg Borrower Income
$135,529
Avg Property Value
$508,156
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
< 5050+None
West3
IDORWA
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.