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Province Mortgage Associates

Independent Mortgage Company•Attleboro, MAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Province Mortgage Associates — 435 loans across 550 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate 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
Sound
3/5
Regional · 9 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Province Mortgage Associates performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+43.7 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
315 loans · 0.37% above market
Sound
Top 60% of lenders
3/5
FHA
107 loans · 0.70% above market
Strong
Top 40% of lenders
4/5
VA
10 loans · 0.23% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
379 loans · 0.43% above market
Sound
Top 60% of lenders
3/5
Refinance
56 loans · 0.45% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 10 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume315
Mix72.4%
Spread
+0.368%Above
Fees
$2,674Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume107
Mix24.6%
Spread
+0.699%Above
Fees
$4,516Fees
VA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume10
Mix2.3%
Spread
+0.228%Above
Fees
$1,840Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume379
Mix87.1%
Spread
+0.435%Above
Fees
$2,968Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume56
Mix12.9%
Spread
+0.447%Above
Fees
$3,398Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
435
Applications
550
Volume
$161 million
Pricing & Closing
Avg Rate Spread
+0.437%
vs. market APOR
Avg Net Fees
$3,028
Origination − Credits
Pullthrough Rate
79.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$372,080
Avg Borrower Income
$130,071
Avg Property Value
$474,103

Geographic Coverage

Geographic Performance

Metro Areas
9
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

5Full-year 2024 · HMDA
5 states with loan originations
Loans originated
< 100100+None
Northeast4
CTMANHRI
South1
FL

Top Metro Areas by Place Specialization Score

1© Macaolards · CC BY-SA 4.0
Providence, RI-MAMetro
Volume 245Mix 56.32% of portfolio
88/100
Exceptional
2© Daniel Case · CC BY-SA 3.0
Waterbury, CTMetro
Volume 28Mix 6.44% of portfolio
60/100
Strong
3© Roman Eugeniusz · CC BY-SA 3.0
New Haven, CTMetro
Volume 28Mix 6.44% of portfolio
59/100
Sound
4© Quintin Soloviev · CC BY 4.0
Hartford, CTMetro
Volume 30Mix 6.90% of portfolio
57/100
Sound
5© Luciof · CC BY-SA 3.0
Boston, MAMetro
Volume 22Mix 5.06% of portfolio
52/100
Sound
6© Quintin Soloviev · CC BY 4.0
Worcester, MAMetro
Volume 16Mix 3.68% of portfolio
50/100
Sound
7© Bobphoenix · CC BY-SA 4.0
Norwich, CTMetro
Volume 12Mix 2.76% of portfolio
47/100
Sound
8© Quintin Soloviev · CC BY 4.0
Bridgeport, CTMetro
Volume 12Mix 2.76% of portfolio
45/100
Sound
9© Percival Kestreltail · CC BY-SA 3.0
Cambridge, MAMetro
Volume 10Mix 2.30% of portfolio
41/100
Sound

Top States by Place Specialization Score

Rhode Island
Rhode Island
1
Rhode IslandState
Volume 220Mix 50.57% of portfolio
87/100
Exceptional
Connecticut
Connecticut
2
ConnecticutState
Volume 124Mix 28.51% of portfolio
71/100
Strong
Massachusetts
Massachusetts
3
MassachusettsState
Volume 79Mix 18.16% of portfolio
63/100
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
Champion(80%+ = 40-50 points)
Superstar
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.