We analyzed every closed loan from The Golden 1 — 1.2k loans across 2k 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
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Single State · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Jumbo
Superstar
Refinance
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and Jumbo loans
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Report Card
The Golden 1 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+4.4 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
865 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
FHA
55 loans · 0.37% above market
Strong
Top 40% of lenders
4/5
Jumbo
243 loans · 0.10% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
735 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
Refinance
428 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 15 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 | 865 | 74.4% | +0.064%Above | $34Fees | ||||
FHA Loans | 55 | 4.7% | +0.368%Above | $1,894Fees | ||||
Jumbo Loans | 243 | 20.9% | -0.104%Below | $1,875Credit |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume865
Mix74.4%
Spread
+0.064%Above
Fees
$34Fees
FHA Loans
OverallSound
ProductStrong
PricingStrong
Pull ThroughSound
Volume55
Mix4.7%
Spread
+0.368%Above
Fees
$1,894Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume243
Mix20.9%
Spread
-0.104%Below
Fees
$1,875Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 735 | 63.2% | +0.053%Above | $172Fees | ||||
Refinance | 428 | 36.8% | +0.030%Above | $1,008Credit |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume735
Mix63.2%
Spread
+0.053%Above
Fees
$172Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume428
Mix36.8%
Spread
+0.030%Above
Fees
$1,008Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,163
Applications
1,884
Volume
$846 million
Pricing & Closing
Avg Rate Spread
+0.044%
vs. market APOR
Avg Net Fees
$-264
Origination − Credits
Pullthrough Rate
61.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$727,794
Avg Borrower Income
$245,640
Avg Property Value
$1,088,405
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
< 1,0001,000+None
West1
CA
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.