The Mortgage Company
The Mortgage Company has 215 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Sound
3/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
The Mortgage Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+29.1 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
158 loans · 0.26% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
38 loans · 0.54% above market
Sound
Top 60% of lenders
3/5
VA
12 loans · 0.35% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
181 loans · 0.30% above market
Sound
Top 60% of lenders
3/5
Refinance
34 loans · 0.26% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 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 | 158 | 73.5% | +0.257%Above | $3,820Fees | ||||
FHA Loans | — | 38 | 17.7% | +0.537%Above | $4,209Fees | |||
VA Loans | — | — | 12 | 5.6% | +0.352%Above | $4,722Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughSound
Volume158
Mix73.5%
Spread
+0.257%Above
Fees
$3,820Fees
FHA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume38
Mix17.7%
Spread
+0.537%Above
Fees
$4,209Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume12
Mix5.6%
Spread
+0.352%Above
Fees
$4,722Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 181 | 84.2% | +0.296%Above | $3,904Fees | ||||
Refinance | 34 | 15.8% | +0.264%Above | $3,640Fees |
Purchase
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughSound
Volume181
Mix84.2%
Spread
+0.296%Above
Fees
$3,904Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughSound
Volume34
Mix15.8%
Spread
+0.264%Above
Fees
$3,640Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
215
Applications
285
Volume
$82 million
Pricing & Closing
Avg Rate Spread
+0.291%
vs. market APOR
Avg Net Fees
$3,858
Origination − Credits
Pullthrough Rate
75.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$386,023
Avg Borrower Income
$150,163
Avg Property Value
$540,767
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
2Full-year 2024 · HMDALoans originated
< 200200+None
South1
FL
West1
CO
Top Metro Areas 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.