Mortgageone
We analyzed every closed loan from Mortgageone — 734 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,026)
Explore another lender or local market
Report Card
Mortgageone performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+45.6 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
287 loans · 0.57% above market
Strong
Top 40% of lenders
4/5
FHA
130 loans · 0.59% above market
Strong
Top 40% of lenders
4/5
VA
314 loans · 0.03% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
673 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
Refinance
61 loans · 0.16% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 14 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 | 287 | 39.1% | +0.570%Above | $4,510Fees | ||||
FHA Loans | 130 | 17.7% | +0.587%Above | $4,019Fees | ||||
VA Loans | 314 | 42.8% | +0.026%Above | $2,870Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume287
Mix39.1%
Spread
+0.570%Above
Fees
$4,510Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume130
Mix17.7%
Spread
+0.587%Above
Fees
$4,019Fees
VA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume314
Mix42.8%
Spread
+0.026%Above
Fees
$2,870Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 673 | 91.7% | +0.522%Above | $4,339Fees | ||||
Refinance | 61 | 8.3% | +0.159%Above | $2,622Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume673
Mix91.7%
Spread
+0.522%Above
Fees
$4,339Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume61
Mix8.3%
Spread
+0.159%Above
Fees
$2,622Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
734
Applications
1,140
Volume
$314 million
Pricing & Closing
Avg Rate Spread
+0.456%
vs. market APOR
Avg Net Fees
$4,026
Origination − Credits
Pullthrough Rate
64.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$428,365
Avg Borrower Income
$139,099
Avg Property Value
$508,610
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
34
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
34Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast1
PA
Midwest8
IAILINKSMIMNMOOH
South13
ALARFLGAKYLAMDNCOKSCTNTXVA
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 13 metro areas
Top States by Place Specialization Score
Showing 10 of 13 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.