Mortgage Solutions of Colorado
We analyzed every closed loan from Mortgage Solutions of Colorado — 4.3k loans across 7k 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 · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 56 basis points above market average
Explore another lender or local market
Report Card
Mortgage Solutions of Colorado performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+56.0 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
334 loans · 0.64% above market
Sound
Top 60% of lenders
3/5
FHA
1,494 loans · 0.76% above market
Exceptional
Top 20% of lenders
5/5
VA
2,462 loans · 0.50% above market
Exceptional
Top 20% of lenders
5/5
USDA
30 loans · 1.10% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
3,185 loans · 1.01% above market
Exceptional
Top 20% of lenders
5/5
Refinance
1,135 loans · 0.26% below 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 | 334 | 7.7% | +0.644%Above | $4,544Fees | ||||
FHA Loans | 1,494 | 34.6% | +0.762%Above | $3,372Fees | ||||
VA Loans | 2,462 | 57.0% | +0.500%Above | $2,025Fees | ||||
USDA Loans | — | 30 | 0.7% | +1.097%Above | $2,740Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume334
Mix7.7%
Spread
+0.644%Above
Fees
$4,544Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,494
Mix34.6%
Spread
+0.762%Above
Fees
$3,372Fees
VA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,462
Mix57.0%
Spread
+0.500%Above
Fees
$2,025Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume30
Mix0.7%
Spread
+1.097%Above
Fees
$2,740Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,185 | 73.7% | +1.007%Above | $1,392Fees | ||||
Refinance | 1,135 | 26.3% | -0.255%Below | $4,407Fees |
Purchase
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,185
Mix73.7%
Spread
+1.007%Above
Fees
$1,392Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,135
Mix26.3%
Spread
-0.255%Below
Fees
$4,407Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,320
Applications
6,732
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.560%
vs. market APOR
Avg Net Fees
$2,461
Origination − Credits
Pullthrough Rate
64.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$303,516
Avg Borrower Income
$100,127
Avg Property Value
$343,887
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
46Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast5
CTMENJPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AKAZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 38 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.