The Mortgage Firm
We analyzed every closed loan from The Mortgage Firm — 3.1k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 25 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
The Mortgage Firm performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+49.4 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,141 loans · 0.47% above market
Strong
Top 40% of lenders
4/5
FHA
688 loans · 0.74% above market
Exceptional
Top 20% of lenders
5/5
VA
254 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
Jumbo
43 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
USDA
22 loans · 0.32% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
2,933 loans · 0.50% above market
Exceptional
Top 20% of lenders
5/5
Refinance
215 loans · 0.44% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 26 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 | 2,141 | 68.0% | +0.469%Above | $3,423Fees | ||||
FHA Loans | 688 | 21.9% | +0.737%Above | $3,435Fees | ||||
VA Loans | 254 | 8.1% | -0.050%Below | $3,409Fees | ||||
Jumbo Loans | 43 | 1.4% | +0.449%Above | $3,925Fees | ||||
USDA Loans | — | 22 | 0.7% | +0.321%Above | $2,080Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume2,141
Mix68.0%
Spread
+0.469%Above
Fees
$3,423Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume688
Mix21.9%
Spread
+0.737%Above
Fees
$3,435Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume254
Mix8.1%
Spread
-0.050%Below
Fees
$3,409Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume43
Mix1.4%
Spread
+0.449%Above
Fees
$3,925Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume22
Mix0.7%
Spread
+0.321%Above
Fees
$2,080Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,933 | 93.2% | +0.498%Above | $3,386Fees | ||||
Refinance | 215 | 6.8% | +0.443%Above | $3,935Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume2,933
Mix93.2%
Spread
+0.498%Above
Fees
$3,386Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume215
Mix6.8%
Spread
+0.443%Above
Fees
$3,935Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,148
Applications
4,083
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.494%
vs. market APOR
Avg Net Fees
$3,426
Origination − Credits
Pullthrough Rate
77.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$328,707
Avg Borrower Income
$145,972
Avg Property Value
$426,366
Geographic Coverage
Geographic Performance
Metro Areas
25
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
19Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast2
NJPA
Midwest3
INMIOH
South13
ALARFLGAKYLAMDMSNCTNTXVAWV
West1
CO
Top Metro Areas by Place Specialization Score
Showing 10 of 25 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.