We analyzed every closed loan from The Dart Bank — 2.0k 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
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
The Dart Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+20.8 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,793 loans · 0.20% above market
Exceptional
Top 20% of lenders
5/5
FHA
108 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
VA
37 loans · 0.27% below market
Strong
Top 40% of lenders
4/5
Jumbo
56 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,842 loans · 0.21% above market
Exceptional
Top 20% of lenders
5/5
Refinance
160 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 14 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 | 1,793 | 89.6% | +0.196%Above | $1,533Fees | ||||
FHA Loans | 108 | 5.4% | +0.495%Above | $1,822Fees | ||||
VA Loans | 37 | 1.8% | -0.274%Below | $2,458Fees | ||||
Jumbo Loans | 56 | 2.8% | +0.448%Above | $1,585Fees |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,793
Mix89.6%
Spread
+0.196%Above
Fees
$1,533Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume108
Mix5.4%
Spread
+0.495%Above
Fees
$1,822Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume37
Mix1.8%
Spread
-0.274%Below
Fees
$2,458Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume56
Mix2.8%
Spread
+0.448%Above
Fees
$1,585Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,842 | 92.0% | +0.214%Above | $1,654Fees | ||||
Refinance | 160 | 8.0% | +0.157%Above | $867Fees |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,842
Mix92.0%
Spread
+0.214%Above
Fees
$1,654Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume160
Mix8.0%
Spread
+0.157%Above
Fees
$867Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,002
Applications
2,618
Volume
$670 million
Pricing & Closing
Avg Rate Spread
+0.208%
vs. market APOR
Avg Net Fees
$1,572
Origination − Credits
Pullthrough Rate
76.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$334,690
Avg Borrower Income
$159,558
Avg Property Value
$430,260
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
30
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
30Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast3
MAPARI
Midwest8
ILINKSMIMNMOOHWI
South13
ALDCFLGAKYMDMSNCSCTNTXVAWV
West6
AZCACOIDORWY
Top Metro Areas by Place Specialization Score
Showing 10 of 13 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.