Optionwide Financial Corporation
Optionwide Financial Corporation has 67 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
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Rates typically 80 basis points above market average
- Higher than average fees ($6,362)
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Optionwide Financial Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+79.6 bps above market avg
1/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
54 loans · 0.80% above market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
13 loans · 0.68% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
56 loans · 0.71% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
11 loans · 1.16% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 1 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 | 54 | 80.6% | +0.802%Above | $6,277Fees | ||||
Jumbo Loans | — | 13 | 19.4% | +0.675%Above | $8,150Fees |
Conventional
OverallMediocre
ProductAcceptable
PricingMediocre
Pull ThroughMediocre
Volume54
Mix80.6%
Spread
+0.802%Above
Fees
$6,277Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume13
Mix19.4%
Spread
+0.675%Above
Fees
$8,150Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | — | 56 | 83.6% | +0.715%Above | $6,600Fees | |||
Refinance | — | 11 | 16.4% | +1.162%Above | $5,292Fees |
Purchase
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughMediocre
Volume56
Mix83.6%
Spread
+0.715%Above
Fees
$6,600Fees
Refinance
OverallMediocre
ProductAcceptable
Pricing—
Pull ThroughMediocre
Volume11
Mix16.4%
Spread
+1.162%Above
Fees
$5,292Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
67
Applications
195
Volume
$44 million
Pricing & Closing
Avg Rate Spread
+0.796%
vs. market APOR
Avg Net Fees
$6,362
Origination − Credits
Pullthrough Rate
34.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$661,866
Avg Borrower Income
$657,269
Avg Property Value
$942,164
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
All statesNone
South8
DCFLGANCOKSCTNTX
West5
AZCACOORWA
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.
Looking for a different lender?
Are you the owner of Optionwide Financial Corporation?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.