Standard Mortgage Corporation
We analyzed every closed loan from Standard Mortgage Corporation — 422 loans across 637 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
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 1.00 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Standard Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 1.0 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
313 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
FHA
80 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
VA
22 loans · 0.48% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
302 loans · 0.02% below market
Sound
Top 60% of lenders
3/5
Refinance
120 loans · 0.02% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 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 | 313 | 74.2% | -0.007%Below | $1,793Fees | ||||
FHA Loans | 80 | 19.0% | +0.132%Above | $1,674Fees | ||||
VA Loans | — | 22 | 5.2% | -0.479%Below | $2,125Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume313
Mix74.2%
Spread
-0.007%Below
Fees
$1,793Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume80
Mix19.0%
Spread
+0.132%Above
Fees
$1,674Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume22
Mix5.2%
Spread
-0.479%Below
Fees
$2,125Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 302 | 71.6% | -0.021%Below | $1,752Fees | ||||
Refinance | 120 | 28.4% | +0.017%Above | $1,915Fees |
Purchase
OverallStrong
ProductSound
PricingStrong
Pull ThroughSound
Volume302
Mix71.6%
Spread
-0.021%Below
Fees
$1,752Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume120
Mix28.4%
Spread
+0.017%Above
Fees
$1,915Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
422
Applications
637
Volume
$117 million
Pricing & Closing
Avg Rate Spread
-0.010%
vs. market APOR
Avg Net Fees
$1,798
Origination − Credits
Pullthrough Rate
66.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$278,365
Avg Borrower Income
$137,386
Avg Property Value
$375,308
Geographic Coverage
Geographic Performance
Metro Areas
7
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+None
Midwest1
MO
South11
ALARFLGALAMSNCSCTNTXVA
West1
CO
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.