# POINT MORTGAGE CORPORATION

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


POINT MORTGAGE CORPORATION is a independent mortgage company, headquartered in Coral Gables, FL, serving borrowers across 22 states, with 1,088 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 2549007JZSAICH4GZJ60
- **Headquarters:** Coral Gables, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 22
- **State List:** AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, MI, MN, MT, NC, NM, OK, PA, TN, TX, VA, WA, WI
- **Markets (MSAs):** 18
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.310%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,572
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,088
- **Dollar Volume:** $428 million
- **Applications Received:** 1,482
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $393,171
- **Average Borrower Income:** $150,944
- **Average Property Value:** $491,140

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 744 | +0.272% | $2,440 | Strong 😀 |
| FHA | 71/100 | 241 | +0.669% | $3,163 | Strong 😀 |
| VA | 71/100 | 88 | -0.403% | $2,185 | Strong 😀 |
| Jumbo | 59/100 | 12 | +0.124% | $205 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 661 loans, Score: 68/100 (Strong)
- Refinance: 83 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 233 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 80 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 987 | $389M | +0.351% | Strong 😀 |
| Refinance | 56/100 | 101 | $38M | -0.040% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 410 | 0.33% | 79/100 |
| CA | 325 | 0.11% | 69/100 |
| FL | 233 | 0.08% | 66/100 |
| WI | 51 | 0.08% | 56/100 |
| IN | 36 | 0.04% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Diego | CA | 207 | 77/100 |
| Chicago | IL | 206 | 73/100 |
| Miami | FL | 97 | 68/100 |
| Bakersfield | CA | 70 | 69/100 |
| Elgin, IL | IL | 60 | 69/100 |
| Fort Lauderdale | FL | 50 | 60/100 |
| Bloomington, IL | IL | 48 | 63/100 |
| Non |  | 47 | 38/100 |
| Champaign | IL | 42 | 68/100 |
| Riverside | CA | 33 | 52/100 |
| Tampa, FL | FL | 26 | 50/100 |
| Appleton, WI | WI | 19 | 50/100 |
| Lake County, IL | IL | 15 | 48/100 |
| Lake County | IN | 14 | 46/100 |
| Green Bay, WI | WI | 13 | 44/100 |

## Where This Lender Ranks

POINT MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Bloomington, IL Mortgage Companies
  - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Champaign Mortgage Companies
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Champaign for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Bloomington, IL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Miami for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Champaign
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders)
- 🏆 **#7** in Bakersfield Mortgage Companies
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in San Diego for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-diego/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Miami Mortgage Companies
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Bakersfield for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Appleton, WI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in San Diego Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-diego/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in Bloomington, IL
  - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders)
- 🏆 **#9** in Peoria, IL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Bakersfield
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders)
- 🏆 **#10** in Green Bay, WI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Elgin, IL Mortgage Companies
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Champaign for Conventional Loans
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Bakersfield for Conventional Loans
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Elgin, IL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does POINT MORTGAGE CORPORATION offer?

POINT 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 POINT MORTGAGE CORPORATION offer mortgages?

POINT MORTGAGE CORPORATION offers mortgages in 22 states: AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, MI, MN, MT, NC, NM, OK, PA, TN, TX, VA, WA, WI.

### How competitive are POINT MORTGAGE CORPORATION's mortgage rates?

POINT MORTGAGE CORPORATION has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.310% above market average.

### What type of lender is POINT MORTGAGE CORPORATION?

POINT MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in Coral Gables, FL.

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

POINT MORTGAGE CORPORATION has a pull-through score of 67/100 (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/point-mortgage

### How to Cite

> "POINT MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/point-mortgage

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