# Cambria Financial Group, LLC

> **Canonical URL:** https://saferate.com/lenders/cambria-financial-group


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Cambria Financial Group, LLC is a independent mortgage company, headquartered in Belle Plaine, MN, serving borrowers across 7 states, with 435 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493008SV4X2EID9J711
- **Headquarters:** Belle Plaine, MN
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AZ, FL, IA, MN, ND, TX, WI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.6%
- **Brokered/Wholesale:** 0.4%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.289%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,845
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 435
- **Dollar Volume:** $134 million
- **Applications Received:** 526
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $307,023
- **Average Borrower Income:** $116,253
- **Average Property Value:** $370,839

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 320 | +0.308% | $2,924 | Sound ☺️ |
| FHA | 67/100 | 85 | +0.580% | $2,442 | Strong 😀 |
| VA | 67/100 | 26 | -0.279% | $3,030 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 295 loans, Score: 60/100 (Strong)
- Refinance: 25 loans, Score: 36/100 (Acceptable)

**FHA:**
- Purchase: 76 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 24 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 397 | $121M | +0.277% | Strong 😀 |
| Refinance | 41/100 | 38 | $13M | +0.377% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 360 | 0.56% | 80/100 |
| ND | 60 | 0.82% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Minneapolis | MN-WI | 251 | 77/100 |
| Fargo, ND | ND-MN | 75 | 76/100 |
| Non |  | 71 | 49/100 |
| Mankato, MN | MN | 12 | 53/100 |

## Where This Lender Ranks

Cambria Financial Group, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Fargo, ND for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Fargo, ND for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in North Dakota for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Mankato, MN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/mankato-mn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Fargo, ND Mortgage Companies
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in North Dakota for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in Minnesota for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Minneapolis for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Fargo, ND for VA Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/va-loans)
- 🏆 **#14** in Fargo, ND for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Fargo, ND for FHA Loans
  - [View Full Rankings](https://saferate.com/fargo-nd/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in North Dakota Mortgage Companies
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in Mankato, MN for Conventional Loans
  - [View Full Rankings](https://saferate.com/mankato-mn/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in Minnesota Mortgage Companies
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in North Dakota for FHA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in North Dakota for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does Cambria Financial Group, LLC offer?

Cambria Financial Group, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Cambria Financial Group, LLC offer mortgages?

Cambria Financial Group, LLC offers mortgages in 7 states: AZ, FL, IA, MN, ND, TX, WI.

### How competitive are Cambria Financial Group, LLC's mortgage rates?

Cambria Financial Group, LLC has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.289% above market average.

### What type of lender is Cambria Financial Group, LLC?

Cambria Financial Group, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Belle Plaine, MN.

### What is Cambria Financial Group, LLC's loan approval success rate?

Cambria Financial Group, LLC has a pull-through score of 66/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cambria-financial-group

### How to Cite

> "Cambria Financial Group, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cambria-financial-group

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