# CARRINGTON MORTGAGE SERVICES, LLC

> **Canonical URL:** https://saferate.com/lenders/carrington-mortgage-services


> **📋 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


CARRINGTON MORTGAGE SERVICES, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers nationwide, with 8,697 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300R9S3MVDV4MGF56
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 86.9%
- **Brokered/Wholesale:** 13.1%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.441%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,326
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 8,697
- **Dollar Volume:** $2.4 billion
- **Applications Received:** 30,846
- **Market Share:** 24.00%

## Typical Borrower Profile

- **Average Loan Amount:** $271,255
- **Average Borrower Income:** $119,005
- **Average Property Value:** $375,201

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 2,323 | +0.538% | $4,107 | Strong 😀 |
| FHA | 89/100 | 4,633 | +0.600% | $4,318 | Exceptional 🤩 |
| VA | 83/100 | 1,649 | -0.236% | $4,771 | Exceptional 🤩 |
| Jumbo | 73/100 | 76 | +1.477% | $1,383 | Strong 😀 |
| USDA | 50/100 | 16 | +1.648% | $3,322 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 426 loans, Score: 48/100 (Sound)
- Refinance: 1,897 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 949 loans, Score: 83/100 (Exceptional)
- Refinance: 3,684 loans, Score: 92/100 (Exceptional)

**VA:**
- Purchase: 632 loans, Score: 79/100 (Strong)
- Refinance: 1,017 loans, Score: 90/100 (Exceptional)

**Jumbo:**
- Purchase: 37 loans, Score: 71/100 (Strong)
- Refinance: 39 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 2,060 | $761M | +0.542% | Strong 😀 |
| Refinance | 86/100 | 6,637 | $1.6B | +0.409% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 884 | 0.30% | 74/100 |
| TX | 614 | 0.18% | 71/100 |
| GA | 582 | 0.42% | 75/100 |
| OH | 438 | 0.33% | 71/100 |
| CA | 434 | 0.15% | 66/100 |
| IN | 428 | 0.47% | 72/100 |
| NC | 373 | 0.25% | 68/100 |
| MI | 327 | 0.29% | 68/100 |
| TN | 327 | 0.36% | 71/100 |
| PA | 312 | 0.26% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,296 | 78/100 |
| Atlanta | GA | 291 | 72/100 |
| Houston | TX | 158 | 64/100 |
| Tampa, FL | FL | 137 | 66/100 |
| Riverside | CA | 126 | 62/100 |
| Chicago | IL | 124 | 61/100 |
| Indianapolis | IN | 121 | 65/100 |
| Cincinnati, OH |  | 115 | 67/100 |
| Phoenix | AZ | 115 | 60/100 |
| Dallas | TX | 107 | 60/100 |
| Orlando | FL | 107 | 63/100 |
| New York | NY-NJ | 105 | 61/100 |
| Charlotte | NC-SC | 100 | 63/100 |
| Virginia Beach | VA-NC | 89 | 62/100 |
| Arlington | VA-WV | 88 | 61/100 |

## Where This Lender Ranks

CARRINGTON MORTGAGE SERVICES, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Lima, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Terre Haute, IN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in Kingsport for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#10** in Lima, OH for FHA Loans
  - [View Full Rankings](https://saferate.com/lima-oh/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in Terre Haute, IN for FHA Loans
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Rockford, IL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Kalamazoo for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Muskegon for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Rochester, NY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Kingsport for VA Loans
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/va-loans)
- 🏆 **#12** in Jackson, TN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Elizabethtown, KY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elizabethtown-ky/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in South Bend for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Grand Junction, CO for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Lake County for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Rochester, NY for VA Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/va-loans)
- 🏆 **#14** in Lexington for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Kalamazoo for FHA Loans
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/fha-loans)
- 🏆 **#15** in Muskegon for FHA Loans
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders/fha-loans)
- 🏆 **#15** in Grand Junction, CO for VA Loans
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does CARRINGTON MORTGAGE SERVICES, LLC offer?

CARRINGTON MORTGAGE SERVICES, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CARRINGTON MORTGAGE SERVICES, LLC offer mortgages?

CARRINGTON MORTGAGE SERVICES, LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are CARRINGTON MORTGAGE SERVICES, LLC's mortgage rates?

CARRINGTON MORTGAGE SERVICES, LLC has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.441% above market average.

### What type of lender is CARRINGTON MORTGAGE SERVICES, LLC?

CARRINGTON MORTGAGE SERVICES, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is CARRINGTON MORTGAGE SERVICES, LLC's loan approval success rate?

CARRINGTON MORTGAGE SERVICES, LLC has a pull-through score of 41/100 (Sound). 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/carrington-mortgage-services

### How to Cite

> "CARRINGTON MORTGAGE SERVICES, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/carrington-mortgage-services

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