Princeton Mortgage Corporation
We analyzed every closed loan from Princeton Mortgage Corporation — 783 loans across 1k 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 · USDA
Place
Sound
3/5
Near-National · 22 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Princeton Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+41.6 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
516 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
FHA
189 loans · 0.68% above market
Strong
Top 40% of lenders
4/5
VA
62 loans · 0.17% below market
Strong
Top 40% of lenders
4/5
USDA
11 loans · 0.29% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
699 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
Refinance
84 loans · 0.24% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 23 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 | 516 | 65.9% | +0.396%Above | $3,226Fees | ||||
FHA Loans | 189 | 24.1% | +0.675%Above | $2,981Fees | ||||
VA Loans | 62 | 7.9% | -0.173%Below | $2,663Fees | ||||
USDA Loans | — | 11 | 1.4% | +0.291%Above | $1,708Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume516
Mix65.9%
Spread
+0.396%Above
Fees
$3,226Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume189
Mix24.1%
Spread
+0.675%Above
Fees
$2,981Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume62
Mix7.9%
Spread
-0.173%Below
Fees
$2,663Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume11
Mix1.4%
Spread
+0.291%Above
Fees
$1,708Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 699 | 89.3% | +0.435%Above | $3,085Fees | ||||
Refinance | 84 | 10.7% | +0.244%Above | $3,234Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume699
Mix89.3%
Spread
+0.435%Above
Fees
$3,085Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume84
Mix10.7%
Spread
+0.244%Above
Fees
$3,234Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
783
Applications
1,217
Volume
$258 million
Pricing & Closing
Avg Rate Spread
+0.416%
vs. market APOR
Avg Net Fees
$3,100
Origination − Credits
Pullthrough Rate
64.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$330,619
Avg Borrower Income
$136,688
Avg Property Value
$416,162
Geographic Coverage
Geographic Performance
Metro Areas
22
markets with activity
States Served
25
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
25Full-year 2024 · HMDALoans originated
< 2020–100100+None
Northeast3
MANJPA
Midwest4
ILKSMIOH
South14
ALARDEFLGALAMDMSNCSCTNTXVAWV
West4
AZCACONM
Top Metro Areas by Place Specialization Score
Showing 10 of 22 metro areas
Top States by Place Specialization Score
Showing 10 of 11 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.