# ON Q FINANCIAL, LLC

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


> **📋 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


ON Q FINANCIAL, LLC is a independent mortgage company, headquartered in SCOTTSDALE, AZ, serving borrowers across 27 states, with 887 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300SVKVT1EF3U0N48
- **Headquarters:** SCOTTSDALE, AZ
- **Geographic Reach:** Near-National
- **States Served:** 27
- **State List:** AR, AZ, CA, CO, FL, IA, ID, IL, IN, KY, MI, MN, MO, NC, ND, NV, OH, OK, OR, SC, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 14
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.260%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,088
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 887
- **Dollar Volume:** $356 million
- **Applications Received:** 1,389
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $401,032
- **Average Borrower Income:** $144,956
- **Average Property Value:** $522,170

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 563 | +0.208% | $3,000 | Strong 😀 |
| FHA | 74/100 | 228 | +0.599% | $3,710 | Strong 😀 |
| VA | 67/100 | 67 | -0.590% | $1,961 | Strong 😀 |
| Jumbo | 65/100 | 21 | +0.398% | $1,895 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 512 loans, Score: 66/100 (Strong)
- Refinance: 51 loans, Score: 45/100 (Sound)

**FHA:**
- Purchase: 213 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 66 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 817 | $331M | +0.249% | Strong 😀 |
| Refinance | 44/100 | 70 | $24M | +0.365% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AZ | 237 | 0.24% | 73/100 |
| WA | 135 | 0.16% | 69/100 |
| SC | 93 | 0.12% | 65/100 |
| CA | 85 | 0.03% | 55/100 |
| UT | 83 | 0.18% | 63/100 |
| NC | 81 | 0.05% | 58/100 |
| MO | 27 | 0.04% | 48/100 |
| AR | 20 | 0.06% | 47/100 |
| IN | 20 | 0.02% | 44/100 |
| FL | 18 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 224 | 74/100 |
| Non |  | 101 | 51/100 |
| Seattle | WA | 67 | 65/100 |
| Greenville | SC | 64 | 69/100 |
| Redding, CA | CA | 55 | 80/100 |
| Charlotte | NC-SC | 42 | 57/100 |
| Ogden, UT | UT | 37 | 60/100 |
| Salt Lake City | UT | 36 | 57/100 |
| Tacoma | WA | 24 | 55/100 |
| Everett, WA | WA | 18 | 51/100 |
| Spartanburg, SC | SC | 18 | 51/100 |
| Fort Smith, AR | AR-OK | 13 | 44/100 |
| Louisville/Jefferson County, KY | KY-IN | 13 | 44/100 |
| Columbia, MO | MO | 10 | 42/100 |

## Where This Lender Ranks

ON Q FINANCIAL, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Redding, CA for VA Loans
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/va-loans)
- 🏆 **#9** in Redding, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in Redding, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Redding, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Redding, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#14** in Redding, CA
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders)
- 🏆 **#15** in Redding, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Fort Smith, AR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Redding, CA for Conventional Loans
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does ON Q FINANCIAL, LLC offer?

ON Q FINANCIAL, LLC 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 ON Q FINANCIAL, LLC offer mortgages?

ON Q FINANCIAL, LLC offers mortgages in 27 states: AR, AZ, CA, CO, FL, IA, ID, IL, IN, KY, MI, MN, MO, NC, ND, NV, OH, OK, OR, SC, TN, TX, UT, VA, WA, WI, WY.

### How competitive are ON Q FINANCIAL, LLC's mortgage rates?

ON Q FINANCIAL, LLC has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.260% above market average.

### What type of lender is ON Q FINANCIAL, LLC?

ON Q FINANCIAL, LLC is a non-depository lender that specializes in mortgage origination, headquartered in SCOTTSDALE, AZ.

### What is ON Q FINANCIAL, LLC's loan approval success rate?

ON Q FINANCIAL, LLC has a pull-through score of 46/100 (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/on-q-financial

### How to Cite

> "ON Q FINANCIAL, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/on-q-financial

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