Nexera Holding
We analyzed every closed loan from Nexera Holding — 2.5k loans across 4k 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
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 91 basis points above market average
- Higher than average fees ($4,621)
Explore another lender or local market
Report Card
Nexera Holding performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+91.3 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,826 loans · 1.04% above market
Strong
Top 40% of lenders
4/5
FHA
74 loans · 0.12% below market
Sound
Top 60% of lenders
3/5
Jumbo
567 loans · 0.93% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,796 loans · 1.05% above market
Strong
Top 40% of lenders
4/5
Refinance
673 loans · 0.60% above 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 | 1,826 | 74.0% | +1.036%Above | $5,323Fees | ||||
FHA Loans | 74 | 3.0% | -0.116%Below | $1,304Fees | ||||
Jumbo Loans | 567 | 23.0% | +0.934%Above | $3,611Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,826
Mix74.0%
Spread
+1.036%Above
Fees
$5,323Fees
FHA Loans
OverallSound
ProductSound
PricingExceptional
Pull ThroughAcceptable
Volume74
Mix3.0%
Spread
-0.116%Below
Fees
$1,304Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume567
Mix23.0%
Spread
+0.934%Above
Fees
$3,611Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,796 | 72.7% | +1.052%Above | $5,147Fees | ||||
Refinance | 673 | 27.3% | +0.596%Above | $3,428Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,796
Mix72.7%
Spread
+1.052%Above
Fees
$5,147Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume673
Mix27.3%
Spread
+0.596%Above
Fees
$3,428Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,469
Applications
4,129
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.913%
vs. market APOR
Avg Net Fees
$4,621
Origination − Credits
Pullthrough Rate
59.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$663,748
Avg Borrower Income
$571,490
Avg Property Value
$961,217
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
43
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
43Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast5
CTMENJPARI
Midwest10
IAILINKSMIMNMONEOHWI
South15
ALARDEFLGAKYLAMDMSNCOKSCTNTXVA
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 26 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.