Peak Residential Lending
We analyzed every closed loan from Peak Residential Lending — 449 loans across 633 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 6 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 loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Peak Residential Lending performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+33.9 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
297 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
FHA
105 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
VA
41 loans · 0.19% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
403 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
Refinance
46 loans · 0.29% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 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 | 297 | 66.1% | +0.357%Above | $4,052Fees | ||||
FHA Loans | 105 | 23.4% | +0.435%Above | $3,916Fees | ||||
VA Loans | 41 | 9.1% | -0.186%Below | $3,452Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume297
Mix66.1%
Spread
+0.357%Above
Fees
$4,052Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume105
Mix23.4%
Spread
+0.435%Above
Fees
$3,916Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume41
Mix9.1%
Spread
-0.186%Below
Fees
$3,452Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 403 | 89.8% | +0.344%Above | $3,971Fees | ||||
Refinance | 46 | 10.2% | +0.288%Above | $3,863Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume403
Mix89.8%
Spread
+0.344%Above
Fees
$3,971Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume46
Mix10.2%
Spread
+0.288%Above
Fees
$3,863Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
449
Applications
633
Volume
$174 million
Pricing & Closing
Avg Rate Spread
+0.339%
vs. market APOR
Avg Net Fees
$3,961
Origination − Credits
Pullthrough Rate
70.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$388,318
Avg Borrower Income
$141,724
Avg Property Value
$496,514
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
< 1010–5050+None
South5
ARFLKYTNTX
West6
AZCAIDMTNVWA
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.
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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.