We analyzed every closed loan from STG Mortgage — 1.5k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Near-National · 34 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
STG Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+28.5 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
842 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
FHA
523 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
VA
97 loans · 0.53% below market
Strong
Top 40% of lenders
4/5
Jumbo
62 loans · 0.61% above market
Strong
Top 40% of lenders
4/5
USDA
16 loans · 0.13% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
1,257 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
Refinance
283 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 35 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 | 842 | 54.7% | +0.269%Above | $2,147Fees | ||||
FHA Loans | 523 | 34.0% | +0.446%Above | $2,718Fees | ||||
VA Loans | 97 | 6.3% | -0.526%Below | $1,273Fees | ||||
Jumbo Loans | 62 | 4.0% | +0.611%Above | $1,192Fees | ||||
USDA Loans | — | 16 | 1.0% | -0.129%Below | $2,432Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume842
Mix54.7%
Spread
+0.269%Above
Fees
$2,147Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume523
Mix34.0%
Spread
+0.446%Above
Fees
$2,718Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume97
Mix6.3%
Spread
-0.526%Below
Fees
$1,273Fees
Jumbo Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume62
Mix4.0%
Spread
+0.611%Above
Fees
$1,192Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume16
Mix1.0%
Spread
-0.129%Below
Fees
$2,432Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,257 | 81.6% | +0.323%Above | $2,448Fees | ||||
Refinance | 283 | 18.4% | +0.143%Above | $1,476Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,257
Mix81.6%
Spread
+0.323%Above
Fees
$2,448Fees
Refinance
OverallSound
ProductStrong
PricingStrong
Pull ThroughAcceptable
Volume283
Mix18.4%
Spread
+0.143%Above
Fees
$1,476Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,540
Applications
2,672
Volume
$803 million
Pricing & Closing
Avg Rate Spread
+0.285%
vs. market APOR
Avg Net Fees
$2,243
Origination − Credits
Pullthrough Rate
57.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$521,688
Avg Borrower Income
$211,966
Avg Property Value
$705,909
Geographic Coverage
Geographic Performance
Metro Areas
34
markets with activity
States Served
33
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
33Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast5
CTMANHNJPA
Midwest7
IAILINMIMNOHWI
South12
ALDEFLGALAMDNCSCTNTXVAWV
West9
AZCACOIDMTNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 34 metro areas
Top States by Place Specialization Score
Showing 10 of 17 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.
Looking for a different lender?
Are you the owner of STG Mortgage?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.