We analyzed every closed loan from Towne Mortgage — 402 loans across 498 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
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
- Higher than average fees ($4,269)
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Report Card
Towne Mortgage performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 210 | 52.2% | +0.326%Above | $4,330Fees | ||||
FHA Loans | 61 | 15.2% | +0.442%Above | $3,780Fees | ||||
VA Loans | 125 | 31.1% | -0.184%Below | $4,265Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 390 | 97.0% | +0.217%Above | $4,278Fees | ||||
Refinance | — | — | 12 | 3.0% | +0.355%Above | $4,010Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
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)
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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