Towne First Mortgage
Towne First Mortgage has 342 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Regional · 2 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 FHA and VA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Towne First Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+34.7 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
245 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
FHA
57 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
VA
35 loans · 0.26% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
335 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 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 | 245 | 71.6% | +0.397%Above | $2,305Fees | ||||
FHA Loans | 57 | 16.7% | +0.410%Above | $2,667Fees | ||||
VA Loans | 35 | 10.2% | -0.264%Below | $2,113Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume245
Mix71.6%
Spread
+0.397%Above
Fees
$2,305Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume57
Mix16.7%
Spread
+0.410%Above
Fees
$2,667Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume35
Mix10.2%
Spread
-0.264%Below
Fees
$2,113Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 335 | 98.0% | +0.348%Above | $2,341Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume335
Mix98.0%
Spread
+0.348%Above
Fees
$2,341Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
342
Applications
405
Volume
$135 million
Pricing & Closing
Avg Rate Spread
+0.347%
vs. market APOR
Avg Net Fees
$2,346
Origination − Credits
Pullthrough Rate
84.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$394,795
Avg Borrower Income
$153,746
Avg Property Value
$523,129
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
2Full-year 2024 · HMDALoans originated
All statesNone
South2
NCVA
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.