Residential Acceptance Corporation
We analyzed every closed loan from Residential Acceptance Corporation — 561 loans across 603 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
Exceptional
5/5
FHA · VA · USDA
Place
Sound
3/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and USDA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($5,576)
Explore another lender or local market
Report Card
Residential Acceptance Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+11.2 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
FHA
493 loans · 0.11% above market
Strong
Top 40% of lenders
4/5
VA
23 loans · 0.08% above market
Sound
Top 60% of lenders
3/5
USDA
43 loans · 0.34% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
546 loans · 0.11% above market
Strong
Top 40% of lenders
4/5
Refinance
15 loans · 0.11% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 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 |
|---|---|---|---|---|---|---|---|---|
FHA Loans | 493 | 87.9% | +0.109%Above | $5,715Fees | ||||
VA Loans | — | 23 | 4.1% | +0.078%Above | $5,259Fees | |||
USDA Loans | — | 43 | 7.7% | +0.338%Above | $3,642Fees |
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume493
Mix87.9%
Spread
+0.109%Above
Fees
$5,715Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume23
Mix4.1%
Spread
+0.078%Above
Fees
$5,259Fees
USDA Loans
OverallExceptional
ProductExceptional
Pricing—
Pull ThroughExceptional
Volume43
Mix7.7%
Spread
+0.338%Above
Fees
$3,642Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 546 | 97.3% | +0.112%Above | $5,614Fees | ||||
Refinance | — | — | 15 | 2.7% | +0.110%Above | $4,732Fees |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume546
Mix97.3%
Spread
+0.112%Above
Fees
$5,614Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume15
Mix2.7%
Spread
+0.110%Above
Fees
$4,732Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
561
Applications
603
Volume
$169 million
Pricing & Closing
Avg Rate Spread
+0.112%
vs. market APOR
Avg Net Fees
$5,576
Origination − Credits
Pullthrough Rate
93.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$302,237
Avg Borrower Income
$95,155
Avg Property Value
$317,335
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
16Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast1
PA
Midwest3
ILMIOH
South11
ALARFLGALAMDMSNCSCTNTX
West1
CO
Top Metro Areas by Place Specialization Score
Top States 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.