Parkstone Mortgage
We analyzed every closed loan from Parkstone Mortgage — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Single State · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 58.10 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Parkstone Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 58.1 bps below market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
708 loans · 0.58% below market
Strong
Top 40% of lenders
4/5
FHA
156 loans · 0.20% below market
Strong
Top 40% of lenders
4/5
VA
198 loans · 0.93% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,062 loans · 0.58% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 5 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 708 | 66.7% | -0.576%Below | $972Fees | ||||
FHA Loans | 156 | 14.7% | -0.196%Below | $804Fees | ||||
VA Loans | 198 | 18.6% | -0.934%Below | $1,208Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughAcceptable
Volume708
Mix66.7%
Spread
-0.576%Below
Fees
$972Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume156
Mix14.7%
Spread
-0.196%Below
Fees
$804Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume198
Mix18.6%
Spread
-0.934%Below
Fees
$1,208Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,062 | 100.0% | -0.581%Below | $989Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume1,062
Mix100.0%
Spread
-0.581%Below
Fees
$989Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,062
Applications
1,611
Volume
$483 million
Pricing & Closing
Avg Rate Spread
-0.581%
vs. market APOR
Avg Net Fees
$989
Origination − Credits
Pullthrough Rate
65.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$454,812
Avg Borrower Income
$176,688
Avg Property Value
$544,331
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
< 1,0001,000+None
South1
TX
Top Metro Areas by Place Specialization Score
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 57Mix 5.37% of portfolio
62/100
Strong
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.