We analyzed every closed loan from Schoolsfirst — 1.7k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Single State · 9 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Champion
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 1.30 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Explore another lender or local market
Report Card
Schoolsfirst performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 1.3 bps below market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,605 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
FHA
31 loans · 0.63% above market
Sound
Top 60% of lenders
3/5
Jumbo
100 loans · 0.24% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,391 loans · 0.02% above market
Strong
Top 40% of lenders
4/5
Refinance
345 loans · 0.15% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 10 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 | 1,605 | 92.5% | -0.013%Below | $396Fees | ||||
FHA Loans | 31 | 1.8% | +0.625%Above | $265Fees | ||||
Jumbo Loans | 100 | 5.8% | -0.240%Below | $54Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,605
Mix92.5%
Spread
-0.013%Below
Fees
$396Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume31
Mix1.8%
Spread
+0.625%Above
Fees
$265Fees
Jumbo Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume100
Mix5.8%
Spread
-0.240%Below
Fees
$54Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,391 | 80.1% | +0.019%Above | $274Fees | ||||
Refinance | 345 | 19.9% | -0.148%Below | $793Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume1,391
Mix80.1%
Spread
+0.019%Above
Fees
$274Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume345
Mix19.9%
Spread
-0.148%Below
Fees
$793Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,736
Applications
2,472
Volume
$989 million
Pricing & Closing
Avg Rate Spread
-0.013%
vs. market APOR
Avg Net Fees
$374
Origination − Credits
Pullthrough Rate
70.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$569,758
Avg Borrower Income
$179,728
Avg Property Value
$795,956
Geographic Coverage
Geographic Performance
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.