Mountain West Financial
Mountain West Financial has 146 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
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,368)
Explore another lender or local market
Report Card
Mountain West Financial performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+38.4 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
82 loans · 0.44% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
47 loans · 0.45% above market
Sound
Top 60% of lenders
3/5
VA
17 loans · 0.27% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
123 loans · 0.42% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
23 loans · 0.21% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 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 | 82 | 56.2% | +0.436%Above | $3,950Fees | ||||
FHA Loans | 47 | 32.2% | +0.446%Above | $5,401Fees | ||||
VA Loans | — | 17 | 11.6% | -0.271%Below | $3,645Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume82
Mix56.2%
Spread
+0.436%Above
Fees
$3,950Fees
FHA Loans
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume47
Mix32.2%
Spread
+0.446%Above
Fees
$5,401Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume17
Mix11.6%
Spread
-0.271%Below
Fees
$3,645Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 123 | 84.2% | +0.416%Above | $4,268Fees | ||||
Refinance | — | 23 | 15.8% | +0.208%Above | $4,909Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume123
Mix84.2%
Spread
+0.416%Above
Fees
$4,268Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume23
Mix15.8%
Spread
+0.208%Above
Fees
$4,909Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
146
Applications
219
Volume
$64 million
Pricing & Closing
Avg Rate Spread
+0.384%
vs. market APOR
Avg Net Fees
$4,368
Origination − Credits
Pullthrough Rate
66.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$439,658
Avg Borrower Income
$156,726
Avg Property Value
$550,959
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 1010+None
South3
NCOKTX
West6
AZCACONVORWA
Top Metro Areas 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.