# CATALYST MORTGAGE

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


> **📋 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


CATALYST MORTGAGE is a independent mortgage company, headquartered in SACRAMENTO, CA, serving borrowers across 7 states, with 37 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300UPB8ITF7B1GI03
- **Headquarters:** SACRAMENTO, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AZ, CA, CO, FL, KY, OR, PA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.177%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,663
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 37
- **Dollar Volume:** $18 million
- **Applications Received:** 74
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $483,649
- **Average Borrower Income:** $291,405
- **Average Property Value:** $809,324

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 14/100 | 27 | +0.261% | $3,323 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 17/100 | 22 | $10M | +0.295% | Mediocre 😐 |
| Refinance | 23/100 | 15 | $8M | -0.049% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 29 | 0.01% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Sacramento | CA | 12 | 52/100 |

## Frequently Asked Questions

### What loan types does CATALYST MORTGAGE offer?

CATALYST MORTGAGE offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CATALYST MORTGAGE offer mortgages?

CATALYST MORTGAGE offers mortgages in 7 states: AZ, CA, CO, FL, KY, OR, PA.

### How competitive are CATALYST MORTGAGE's mortgage rates?

CATALYST MORTGAGE has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.177% above market average.

### What type of lender is CATALYST MORTGAGE?

CATALYST MORTGAGE is a non-depository lender that specializes in mortgage origination, headquartered in SACRAMENTO, CA.

### What is CATALYST MORTGAGE's loan approval success rate?

CATALYST MORTGAGE has a pull-through score of 27/100 (Acceptable). 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/catalyst-mortgage

### How to Cite

> "CATALYST MORTGAGE Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/catalyst-mortgage

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