# LENOX FINANCIAL MORTGAGE CORPORATION

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


LENOX FINANCIAL MORTGAGE CORPORATION is a independent mortgage company, headquartered in SANTA ANA, CA, serving borrowers nationwide, with 1,693 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LROQOOQU77WS20
- **Headquarters:** SANTA ANA, CA
- **Geographic Reach:** National
- **States Served:** 48
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, 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, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 41
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.7%
- **Brokered/Wholesale:** 0.3%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.163%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $425
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,693
- **Dollar Volume:** $776 million
- **Applications Received:** 3,857
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $458,385
- **Average Borrower Income:** $197,475
- **Average Property Value:** $668,946

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 1,619 | -0.155% | $453 | Sound ☺️ |
| FHA | 39/100 | 27 | +0.034% | $101 | Acceptable 🙂 |
| VA | 44/100 | 31 | -0.731% | $-354 | Sound ☺️ |
| Jumbo | 44/100 | 16 | +0.030% | $-71 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 883 loans, Score: 55/100 (Sound)
- Refinance: 736 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 22 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 936 | $430M | -0.129% | Sound ☺️ |
| Refinance | 68/100 | 757 | $346M | -0.206% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 177 | 0.05% | 62/100 |
| CA | 132 | 0.05% | 58/100 |
| NC | 121 | 0.08% | 60/100 |
| FL | 116 | 0.04% | 57/100 |
| WA | 88 | 0.10% | 62/100 |
| GA | 86 | 0.06% | 58/100 |
| VA | 76 | 0.07% | 59/100 |
| NJ | 65 | 0.08% | 58/100 |
| TN | 63 | 0.07% | 56/100 |
| CO | 60 | 0.07% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 109 | 50/100 |
| Dallas | TX | 54 | 56/100 |
| Charlotte | NC-SC | 53 | 58/100 |
| Atlanta | GA | 46 | 54/100 |
| Houston | TX | 43 | 52/100 |
| Seattle | WA | 39 | 56/100 |
| Arlington | VA-WV | 38 | 54/100 |
| Portland | OR-WA | 34 | 53/100 |
| Raleigh | NC | 34 | 54/100 |
| Denver | CO | 32 | 51/100 |
| Nashville | TN | 32 | 52/100 |
| Phoenix | AZ | 32 | 49/100 |
| Austin | TX | 30 | 52/100 |
| Chicago | IL | 30 | 49/100 |
| Los Angeles | CA | 28 | 49/100 |

## Frequently Asked Questions

### What loan types does LENOX FINANCIAL MORTGAGE CORPORATION offer?

LENOX FINANCIAL MORTGAGE CORPORATION 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 LENOX FINANCIAL MORTGAGE CORPORATION offer mortgages?

LENOX FINANCIAL MORTGAGE CORPORATION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are LENOX FINANCIAL MORTGAGE CORPORATION's mortgage rates?

LENOX FINANCIAL MORTGAGE CORPORATION has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.163% below market average.

### What type of lender is LENOX FINANCIAL MORTGAGE CORPORATION?

LENOX FINANCIAL MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in SANTA ANA, CA.

### What is LENOX FINANCIAL MORTGAGE CORPORATION's loan approval success rate?

LENOX FINANCIAL MORTGAGE CORPORATION has a pull-through score of 28/100 (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/lenox-financial-mortgage

### How to Cite

> "LENOX FINANCIAL MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/lenox-financial-mortgage

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