Selco Community has 169 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
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Exceptional
5/5
Single State · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 27.30 basis points below market average
- Lower than average lender fees
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Report Card
Selco Community performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 27.3 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
159 loans · 0.28% below market
Sound
Top 60% of lenders
3/5
Jumbo
10 loans · 0.21% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
113 loans · 0.35% below market
Sound
Top 60% of lenders
3/5
Refinance
56 loans · 0.10% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 2 markets
Exceptional
Top 20% of lenders
5/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 159 | 94.1% | -0.277%Below | $1,824Fees | ||||
Jumbo Loans | — | — | 10 | 5.9% | -0.207%Below | $2,118Fees |
Conventional
OverallStrong
ProductSound
PricingStrong
Pull ThroughExceptional
Volume159
Mix94.1%
Spread
-0.277%Below
Fees
$1,824Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume10
Mix5.9%
Spread
-0.207%Below
Fees
$2,118Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 113 | 66.9% | -0.353%Below | $1,873Fees | ||||
Refinance | 56 | 33.1% | -0.100%Below | $1,765Fees |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume113
Mix66.9%
Spread
-0.353%Below
Fees
$1,873Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume56
Mix33.1%
Spread
-0.100%Below
Fees
$1,765Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
169
Applications
169
Volume
$60 million
Pricing & Closing
Avg Rate Spread
-0.273%
vs. market APOR
Avg Net Fees
$1,839
Origination − Credits
Pullthrough Rate
100.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$358,728
Avg Borrower Income
$153,680
Avg Property Value
$670,740
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
All statesNone
West1
OR
Top Metro Areas 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.