We analyzed every closed loan from NP — 2.2k loans across 3k 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 · VA · Jumbo
Place
Sound
3/5
National · 47 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 105 basis points above market average
Explore another lender or local market
Report Card
NP performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+104.5 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,722 loans · 1.09% above market
Strong
Top 40% of lenders
4/5
FHA
120 loans · 0.84% above market
Strong
Top 40% of lenders
4/5
VA
57 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
Jumbo
283 loans · 1.22% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,718 loans · 1.00% above market
Strong
Top 40% of lenders
4/5
Refinance
466 loans · 1.22% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 48 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 | 1,722 | 78.8% | +1.089%Above | $3,180Fees | ||||
FHA Loans | 120 | 5.5% | +0.840%Above | $3,806Fees | ||||
VA Loans | 57 | 2.6% | -0.039%Below | $1,638Fees | ||||
Jumbo Loans | 283 | 13.0% | +1.219%Above | $1,410Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,722
Mix78.8%
Spread
+1.089%Above
Fees
$3,180Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume120
Mix5.5%
Spread
+0.840%Above
Fees
$3,806Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume57
Mix2.6%
Spread
-0.039%Below
Fees
$1,638Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume283
Mix13.0%
Spread
+1.219%Above
Fees
$1,410Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,718 | 78.7% | +0.997%Above | $3,168Fees | ||||
Refinance | 466 | 21.3% | +1.219%Above | $2,382Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,718
Mix78.7%
Spread
+0.997%Above
Fees
$3,168Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume466
Mix21.3%
Spread
+1.219%Above
Fees
$2,382Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,184
Applications
3,387
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+1.045%
vs. market APOR
Avg Net Fees
$2,997
Origination − Credits
Pullthrough Rate
64.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$554,464
Avg Borrower Income
$400,497
Avg Property Value
$770,311
Geographic Coverage
Geographic Performance
Metro Areas
47
markets with activity
States Served
42
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
42Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast8
CTMANHNJNYPARIVT
Midwest8
ILINKSMIMNMOOHWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West10
AKAZCACOMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 47 metro areas
Top States by Place Specialization Score
Showing 10 of 23 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.