# CLIFFCO, INC.

> **Canonical URL:** https://saferate.com/lenders/cliffco


> **📋 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


CLIFFCO, INC. is a independent mortgage company, headquartered in UNIONDALE, NY, serving borrowers across 18 states, with 934 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 28% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300HTMO7FGRKRLV06
- **Headquarters:** UNIONDALE, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 18
- **State List:** AL, AZ, CA, CT, DE, FL, GA, IL, KY, NC, NJ, NY, OH, OR, PA, SC, TX, VA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 86%
- **Brokered/Wholesale:** 14%

## Safe Rate Ratings

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

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.440%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,867
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 934
- **Dollar Volume:** $496 million
- **Applications Received:** 1,252
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $530,964
- **Average Borrower Income:** $249,308
- **Average Property Value:** $722,730

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 683 | +0.409% | $3,738 | Strong 😀 |
| FHA | 72/100 | 199 | +0.709% | $4,809 | Strong 😀 |
| VA | 40/100 | 17 | -0.064% | $4,245 | Sound ☺️ |
| Jumbo | 69/100 | 35 | +0.342% | $2,792 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 605 loans, Score: 64/100 (Strong)
- Refinance: 78 loans, Score: 57/100 (Sound)

**FHA:**
- Purchase: 192 loans, Score: 72/100 (Strong)

**Jumbo:**
- Purchase: 24 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 837 | $433M | +0.414% | Strong 😀 |
| Refinance | 59/100 | 97 | $63M | +0.727% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 674 | 0.59% | 84/100 |
| FL | 100 | 0.03% | 57/100 |
| NJ | 70 | 0.08% | 60/100 |
| TX | 18 | 0.01% | 39/100 |
| CT | 17 | 0.05% | 45/100 |
| PA | 14 | 0.01% | 39/100 |
| GA | 11 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nassau County | NY | 419 | 87/100 |
| New York | NY-NJ | 236 | 77/100 |
| Orlando | FL | 46 | 58/100 |
| Newark, NJ | NJ | 25 | 53/100 |
| Lakewood | NJ | 16 | 45/100 |
| Kiryas Joel | NY | 14 | 45/100 |
| Ocala, FL | FL | 12 | 44/100 |
| Non |  | 10 | 19/100 |

## Where This Lender Ranks

CLIFFCO, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Nassau County for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#13** in New York for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#14** in Nassau County for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#15** in Nassau County for VA Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/va-loans)
- 🏆 **#16** in Nassau County Mortgage Companies
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in Nassau County for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does CLIFFCO, INC. offer?

CLIFFCO, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CLIFFCO, INC. offer mortgages?

CLIFFCO, INC. offers mortgages in 18 states: AL, AZ, CA, CT, DE, FL, GA, IL, KY, NC, NJ, NY, OH, OR, PA, SC, TX, VA.

### How competitive are CLIFFCO, INC.'s mortgage rates?

CLIFFCO, INC. 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 0.440% above market average.

### What type of lender is CLIFFCO, INC.?

CLIFFCO, INC. is a non-depository lender that specializes in mortgage origination, headquartered in UNIONDALE, NY.

### What is CLIFFCO, INC.'s loan approval success rate?

CLIFFCO, INC. has a pull-through score of 72/100 (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/cliffco

### How to Cite

> "CLIFFCO, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cliffco

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