Norwich Commercial Group
We analyzed every closed loan from Norwich Commercial Group — 2.4k 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
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Near-National · 33 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Norwich Commercial Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+30.4 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,594 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
FHA
557 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
VA
174 loans · 0.55% below market
Strong
Top 40% of lenders
4/5
USDA
42 loans · 0.10% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,141 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
Refinance
228 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 34 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 | 1,594 | 67.3% | +0.359%Above | $2,503Fees | ||||
FHA Loans | 557 | 23.5% | +0.455%Above | $2,546Fees | ||||
VA Loans | 174 | 7.3% | -0.548%Below | $1,029Fees | ||||
USDA Loans | — | 42 | 1.8% | -0.105%Below | $1,423Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,594
Mix67.3%
Spread
+0.359%Above
Fees
$2,503Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume557
Mix23.5%
Spread
+0.455%Above
Fees
$2,546Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume174
Mix7.3%
Spread
-0.548%Below
Fees
$1,029Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughSound
Volume42
Mix1.8%
Spread
-0.105%Below
Fees
$1,423Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,141 | 90.4% | +0.336%Above | $2,444Fees | ||||
Refinance | 228 | 9.6% | +0.031%Above | $1,797Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume2,141
Mix90.4%
Spread
+0.336%Above
Fees
$2,444Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume228
Mix9.6%
Spread
+0.031%Above
Fees
$1,797Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,369
Applications
3,665
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.304%
vs. market APOR
Avg Net Fees
$2,375
Origination − Credits
Pullthrough Rate
64.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$430,597
Avg Borrower Income
$159,994
Avg Property Value
$534,181
Geographic Coverage
Geographic Performance
Metro Areas
33
markets with activity
States Served
38
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
38Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest5
ILINMIOHWI
South16
ALDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West8
AKAZCACOIDORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 33 metro areas
Top States by Place Specialization Score
Showing 10 of 22 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.