What loan types does Ross Mortgage Company offer?

Ross Mortgage Company offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Ross Mortgage Company offer mortgages?

Ross Mortgage Company offers mortgages in 3 states: MA, NH, RI.

How competitive are Ross Mortgage Company's mortgage rates?

Ross Mortgage Company has an overall pricing score of 37.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Ross Mortgage Company?

Ross Mortgage Company is a Independent Mortgage Company headquartered in Westborough, MA.

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Ross Mortgage Company

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

Ross Mortgage Company has 86 closed loans in our dataset — fully analyzed and benchmarked against peers 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

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Ross Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+42.8 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

80 loans · 0.39% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

67 loans · 0.50% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

19 loans · 0.18% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 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	Sound	Acceptable	Sound	Sound	80	93.0%	+0.394%Above	$1,780Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume80

Mix93.0%

Spread

+0.394%Above

Fees

$1,780Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Acceptable	Sound	67	77.9%	+0.497%Above	$1,918Fees
Refinance	Sound	Acceptable	—	Strong	19	22.1%	+0.182%Above	$1,601Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume67

Mix77.9%

Spread

+0.497%Above

Fees

$1,918Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume19

Mix22.1%

Spread

+0.182%Above

Fees

$1,601Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

104

Volume

$34 million

Pricing & Closing

Avg Rate Spread

+0.428%

vs. market APOR

Avg Net Fees

$1,848

Origination − Credits

Pullthrough Rate

82.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$406,628

Avg Borrower Income

$145,093

Avg Property Value

$544,419

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast3

MANHRI

Top Metro Areas by Place Specialization Score

Worcester, MAMetro

Volume 53Mix 61.63% of portfolio

77/100

Strong

Cambridge, MAMetro

Volume 17Mix 19.77% of portfolio

53/100

Sound

Top States by Place Specialization Score

MassachusettsState

Volume 77Mix 89.53% of portfolio

67/100

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.