let me put it this way, price of the name is what the buyer is willing to pay - not as black and white. But user has many choices (tens to hundreds). Not to mention that certain categories fetch higher price e.g. I price my travel/loan/entertainment/medical/health related names higher than other categories - the reason is that if the name clearly denotes which industry it belongs to, user does not have many choices. One practice I follow when a request comes to me, I look at the alternatives of the names, if it does not have many alternatives/substitutes, then I quote high and stay firm because if the user has come to you looking for that name, they want that name only. So you do take a risk by quoting too high - they may just turn off. Not because they do not like the name, but because they are more likely to change the strategy or think of a different name all together.
When I do my due diligence on the name for which I have got inquiry, I do search in google in double quotes (as applicable) and look at the results (count and context) If I see that it has lot of results (above 100,000) in the same context you think the name belongs to, I price it higher.
Also when I look at the alternatives, I see the competitor (alternative/substitute) names and see what they are selling for.
Though not applicable to as you said it belong to mortgage, but I try to see which in which all industries the name fits, more industry, more chances of buyers and better the chances of getting the better pricing.
Hope these notes help.