Onward Home Mortgage
We analyzed every closed loan from Onward Home Mortgage — 482 loans across 699 applications— and benchmarked them against peer lenders 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
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Onward Home Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+30.2 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
412 loans · 0.29% above market
Sound
Top 60% of lenders
3/5
FHA
38 loans · 0.61% above market
Sound
Top 60% of lenders
3/5
VA
10 loans · 0.16% below market
Sound
Top 60% of lenders
3/5
Jumbo
18 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
460 loans · 0.30% above market
Sound
Top 60% of lenders
3/5
Refinance
22 loans · 0.41% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 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 | 412 | 85.5% | +0.286%Above | $3,624Fees | ||||
FHA Loans | 38 | 7.9% | +0.614%Above | $3,890Fees | ||||
VA Loans | — | — | 10 | 2.1% | -0.156%Below | $2,485Fees | ||
Jumbo Loans | — | 18 | 3.7% | +0.193%Above | $3,459Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughSound
Volume412
Mix85.5%
Spread
+0.286%Above
Fees
$3,624Fees
FHA Loans
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume38
Mix7.9%
Spread
+0.614%Above
Fees
$3,890Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix2.1%
Spread
-0.156%Below
Fees
$2,485Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume18
Mix3.7%
Spread
+0.193%Above
Fees
$3,459Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 460 | 95.4% | +0.296%Above | $3,571Fees | ||||
Refinance | 22 | 4.6% | +0.411%Above | $4,610Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume460
Mix95.4%
Spread
+0.296%Above
Fees
$3,571Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume22
Mix4.6%
Spread
+0.411%Above
Fees
$4,610Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
482
Applications
699
Volume
$204 million
Pricing & Closing
Avg Rate Spread
+0.302%
vs. market APOR
Avg Net Fees
$3,621
Origination − Credits
Pullthrough Rate
69.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$423,797
Avg Borrower Income
$165,710
Avg Property Value
$537,469
Geographic Coverage
Geographic Performance
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.