SecurityNational Mortgage
We analyzed every closed loan from SecurityNational Mortgage — 4.6k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Near-National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 69 basis points above market average
- Higher than average fees ($4,889)
Explore another lender or local market
Report Card
SecurityNational Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+69.0 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,037 loans · 0.69% above market
Strong
Top 40% of lenders
4/5
FHA
2,255 loans · 0.79% above market
Exceptional
Top 20% of lenders
5/5
VA
260 loans · 0.11% below market
Strong
Top 40% of lenders
4/5
Jumbo
38 loans · 0.60% above market
Strong
Top 40% of lenders
4/5
USDA
32 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
4,224 loans · 0.71% above market
Exceptional
Top 20% of lenders
5/5
Refinance
398 loans · 0.51% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 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 | 2,037 | 44.1% | +0.685%Above | $4,903Fees | ||||
FHA Loans | 2,255 | 48.8% | +0.787%Above | $4,873Fees | ||||
VA Loans | 260 | 5.6% | -0.109%Below | $5,167Fees | ||||
Jumbo Loans | — | 38 | 0.8% | +0.597%Above | $4,047Fees | |||
USDA Loans | — | 32 | 0.7% | +0.397%Above | $3,333Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume2,037
Mix44.1%
Spread
+0.685%Above
Fees
$4,903Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume2,255
Mix48.8%
Spread
+0.787%Above
Fees
$4,873Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume260
Mix5.6%
Spread
-0.109%Below
Fees
$5,167Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughAcceptable
Volume38
Mix0.8%
Spread
+0.597%Above
Fees
$4,047Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume32
Mix0.7%
Spread
+0.397%Above
Fees
$3,333Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,224 | 91.4% | +0.710%Above | $4,904Fees | ||||
Refinance | 398 | 8.6% | +0.510%Above | $4,754Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume4,224
Mix91.4%
Spread
+0.710%Above
Fees
$4,904Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume398
Mix8.6%
Spread
+0.510%Above
Fees
$4,754Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,622
Applications
7,295
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.690%
vs. market APOR
Avg Net Fees
$4,889
Origination − Credits
Pullthrough Rate
63.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$368,630
Avg Borrower Income
$129,743
Avg Property Value
$437,720
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
39
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
39Full-year 2024 · HMDALoans originated
< 2020–5050–200200+None
Northeast4
CTNJPARI
Midwest8
ILINKSMIMNMOOHWI
South15
ALARFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
9© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 110Mix 2.38% of portfolio
67/100
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 27 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.