We analyzed every closed loan from SFMC — 3.6k loans across 5k 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 · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,198)
Explore another lender or local market
Report Card
SFMC performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+29.8 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,780 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
FHA
1,399 loans · 0.28% above market
Exceptional
Top 20% of lenders
5/5
VA
396 loans · 0.59% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
18 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
3,428 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
Refinance
172 loans · 0.37% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 13 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 | 1,780 | 49.4% | +0.464%Above | $4,314Fees | ||||
FHA Loans | 1,399 | 38.9% | +0.276%Above | $4,299Fees | ||||
VA Loans | 396 | 11.0% | -0.590%Below | $3,108Fees | ||||
Jumbo Loans | — | 18 | 0.5% | +0.427%Above | $4,254Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume1,780
Mix49.4%
Spread
+0.464%Above
Fees
$4,314Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,399
Mix38.9%
Spread
+0.276%Above
Fees
$4,299Fees
VA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume396
Mix11.0%
Spread
-0.590%Below
Fees
$3,108Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume18
Mix0.5%
Spread
+0.427%Above
Fees
$4,254Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,428 | 95.2% | +0.292%Above | $4,216Fees | ||||
Refinance | 172 | 4.8% | +0.372%Above | $3,971Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume3,428
Mix95.2%
Spread
+0.292%Above
Fees
$4,216Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume172
Mix4.8%
Spread
+0.372%Above
Fees
$3,971Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,600
Applications
5,058
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.298%
vs. market APOR
Avg Net Fees
$4,198
Origination − Credits
Pullthrough Rate
71.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$359,944
Avg Borrower Income
$149,753
Avg Property Value
$426,822
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast1
ME
Midwest2
MNOH
South8
ARFLGALANCOKTNTX
West2
AZCO
Top Metro Areas by Place Specialization Score
1© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 906Mix 25.17% of portfolio
97/100
Exceptional
Showing 10 of 12 metro areas
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.