# Filo Mortgage, L.L.C.

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


Filo Mortgage, L.L.C. is a independent mortgage company, headquartered in Dover, DE, serving borrowers across 27 states, with 1,894 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900TG14TB8RKS3U42
- **Headquarters:** Dover, DE
- **Geographic Reach:** Near-National
- **States Served:** 27
- **State List:** AL, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, LA, MD, MI, MN, NC, NJ, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 72.8%
- **Brokered/Wholesale:** 27.2%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.139%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $439
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,894
- **Dollar Volume:** $730 million
- **Applications Received:** 3,805
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $385,211
- **Average Borrower Income:** $157,548
- **Average Property Value:** $503,200

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **VA Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 1,366 | +0.192% | $566 | Strong 😀 |
| FHA | 74/100 | 363 | +0.215% | $327 | Strong 😀 |
| VA | 70/100 | 159 | -0.579% | $-512 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 985 loans, Score: 69/100 (Strong)
- Refinance: 381 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 208 loans, Score: 67/100 (Strong)
- Refinance: 155 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 126 loans, Score: 70/100 (Strong)
- Refinance: 33 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 70/100 | 1,325 | $543M | +0.194% | Strong 😀 |
| Refinance | 63/100 | 569 | $187M | -0.099% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 345 | 0.12% | 69/100 |
| PA | 186 | 0.15% | 68/100 |
| TX | 180 | 0.05% | 62/100 |
| GA | 124 | 0.09% | 62/100 |
| CA | 118 | 0.04% | 56/100 |
| VA | 81 | 0.07% | 59/100 |
| OH | 80 | 0.06% | 56/100 |
| IL | 77 | 0.06% | 57/100 |
| MI | 77 | 0.07% | 57/100 |
| AL | 75 | 0.13% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 131 | 52/100 |
| Montgomery County | PA | 68 | 65/100 |
| Dallas | TX | 62 | 57/100 |
| Atlanta | GA | 58 | 57/100 |
| Tampa, FL | FL | 56 | 59/100 |
| Phoenix | AZ | 52 | 54/100 |
| Auburn | AL | 47 | 69/100 |
| Chicago | IL | 46 | 54/100 |
| Orlando | FL | 43 | 55/100 |
| Houston | TX | 41 | 51/100 |
| Jacksonville, FL | FL | 37 | 55/100 |
| Charlotte | NC-SC | 35 | 53/100 |
| Harrisburg | PA | 32 | 58/100 |
| Warren | MI | 30 | 51/100 |
| Arlington | VA-WV | 29 | 50/100 |

## Where This Lender Ranks

Filo Mortgage, L.L.C. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Auburn for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Auburn for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Auburn for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#9** in Toledo, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in Auburn for VA Loans
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/va-loans)
- 🏆 **#12** in Auburn for FHA Loans
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/fha-loans)
- 🏆 **#12** in Toledo, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Auburn for Conventional Loans
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Slidell for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Auburn Mortgage Companies
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in Montgomery County for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Toledo, OH for FHA Loans
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in Montgomery County for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Montgomery County for FHA Loans
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in Auburn
  - [View Full Rankings](https://saferate.com/auburn/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Filo Mortgage, L.L.C. offer?

Filo Mortgage, L.L.C. 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 Filo Mortgage, L.L.C. offer mortgages?

Filo Mortgage, L.L.C. offers mortgages in 27 states: AL, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, LA, MD, MI, MN, NC, NJ, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI.

### How competitive are Filo Mortgage, L.L.C.'s mortgage rates?

Filo Mortgage, L.L.C. has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.139% above market average.

### What type of lender is Filo Mortgage, L.L.C.?

Filo Mortgage, L.L.C. is a non-depository lender that specializes in mortgage origination, headquartered in Dover, DE.

### What is Filo Mortgage, L.L.C.'s loan approval success rate?

Filo Mortgage, L.L.C. has a pull-through score of 36/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/filo-mortgage

### How to Cite

> "Filo Mortgage, L.L.C. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/filo-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/filo-mortgage)**