Vision One Mortgage
Vision One Mortgage has 135 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
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Sound
3/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Rates typically 73 basis points above market average
- Higher than average fees ($5,775)
Explore another lender or local market
Report Card
Vision One Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+72.9 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
57 loans · 0.65% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
76 loans · 0.80% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
98 loans · 0.72% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
37 loans · 0.77% 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 | 57 | 42.2% | +0.650%Above | $6,413Fees | ||||
FHA Loans | 76 | 56.3% | +0.795%Above | $5,244Fees |
Conventional
OverallMediocre
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume57
Mix42.2%
Spread
+0.650%Above
Fees
$6,413Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume76
Mix56.3%
Spread
+0.795%Above
Fees
$5,244Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 98 | 72.6% | +0.717%Above | $5,775Fees | ||||
Refinance | — | 37 | 27.4% | +0.774%Above | $5,777Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume98
Mix72.6%
Spread
+0.717%Above
Fees
$5,775Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume37
Mix27.4%
Spread
+0.774%Above
Fees
$5,777Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
135
Applications
216
Volume
$69 million
Pricing & Closing
Avg Rate Spread
+0.729%
vs. market APOR
Avg Net Fees
$5,775
Origination − Credits
Pullthrough Rate
62.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$514,852
Avg Borrower Income
$173,911
Avg Property Value
$653,074
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 100100+None
South2
FLTX
West2
AZCA
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.