We analyzed every closed loan from Wilmington Savings Fund Society — 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
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 7.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Wilmington Savings Fund Society performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 7.0 bps below market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
985 loans · 0.10% below market
Strong
Top 40% of lenders
4/5
FHA
74 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
VA
13 loans · 0.29% below market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
64 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,021 loans · 0.09% below market
Strong
Top 40% of lenders
4/5
Refinance
115 loans · 0.12% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 7 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 | 985 | 86.7% | -0.096%Below | $528Fees | ||||
FHA Loans | 74 | 6.5% | +0.286%Above | $1,736Credit | ||||
VA Loans | — | — | 13 | 1.1% | -0.286%Below | $695Fees | ||
Jumbo Loans | 64 | 5.6% | +0.025%Above | $5,392Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume985
Mix86.7%
Spread
-0.096%Below
Fees
$528Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume74
Mix6.5%
Spread
+0.286%Above
Fees
$1,736Credit
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume13
Mix1.1%
Spread
-0.286%Below
Fees
$695Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume64
Mix5.6%
Spread
+0.025%Above
Fees
$5,392Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,021 | 89.9% | -0.093%Below | $414Fees | ||||
Refinance | 115 | 10.1% | +0.115%Above | $2,441Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume1,021
Mix89.9%
Spread
-0.093%Below
Fees
$414Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume115
Mix10.1%
Spread
+0.115%Above
Fees
$2,441Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,136
Applications
1,450
Volume
$402 million
Pricing & Closing
Avg Rate Spread
-0.070%
vs. market APOR
Avg Net Fees
$643
Origination − Credits
Pullthrough Rate
78.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$354,005
Avg Borrower Income
$165,651
Avg Property Value
$495,660
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
28Full-year 2024 · HMDALoans originated
< 1010–2020–100100–200200+None
Northeast6
CTMENJNYPAVT
Midwest4
ILMINDOH
South12
ALDCDEFLGAMDNCSCTNTXVAWV
West6
AZCACOMTNMUT
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.