Tradition Mortgage
We analyzed every closed loan from Tradition Mortgage — 1.1k loans across 1k 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and VA and Jumbo loans
Explore another lender or local market
Report Card
Tradition Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+20.8 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
960 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
FHA
35 loans · 0.51% above market
Sound
Top 60% of lenders
3/5
VA
43 loans · 0.20% below market
Strong
Top 40% of lenders
4/5
Jumbo
14 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
868 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
Refinance
184 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 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 | 960 | 91.3% | +0.215%Above | $2,077Fees | ||||
FHA Loans | 35 | 3.3% | +0.505%Above | $2,177Fees | ||||
VA Loans | 43 | 4.1% | -0.200%Below | $2,198Fees | ||||
Jumbo Loans | — | 14 | 1.3% | +0.433%Above | $349Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume960
Mix91.3%
Spread
+0.215%Above
Fees
$2,077Fees
FHA Loans
OverallStrong
ProductSound
PricingSound
Pull ThroughStrong
Volume35
Mix3.3%
Spread
+0.505%Above
Fees
$2,177Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume43
Mix4.1%
Spread
-0.200%Below
Fees
$2,198Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume14
Mix1.3%
Spread
+0.433%Above
Fees
$349Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 868 | 82.5% | +0.198%Above | $2,471Fees | ||||
Refinance | 184 | 17.5% | +0.256%Above | $312Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume868
Mix82.5%
Spread
+0.198%Above
Fees
$2,471Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume184
Mix17.5%
Spread
+0.256%Above
Fees
$312Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,052
Applications
1,156
Volume
$409 million
Pricing & Closing
Avg Rate Spread
+0.208%
vs. market APOR
Avg Net Fees
$2,072
Origination − Credits
Pullthrough Rate
91.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$389,648
Avg Borrower Income
$186,414
Avg Property Value
$559,829
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
< 1010–100100+None
Midwest4
IAMNOHWI
South1
FL
West2
AZCO
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.