# ST FIN CORP

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


> **📋 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


ST FIN CORP is a independent mortgage company, headquartered in LAGUNA HILLS, CA, serving borrowers across 3 states, with 163 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300R0QZYJMOBCNI97
- **Headquarters:** LAGUNA HILLS, CA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** CA, FL, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.554%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,088
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 163
- **Dollar Volume:** $79 million
- **Applications Received:** 253
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $486,963
- **Average Borrower Income:** $158,497
- **Average Property Value:** $653,160

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 67 | +0.417% | $5,299 | Acceptable 🙂 |
| FHA | 63/100 | 88 | +0.653% | $5,211 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 43 loans, Score: 24/100 (Acceptable)
- Refinance: 24 loans, Score: 33/100 (Acceptable)

**FHA:**
- Purchase: 57 loans, Score: 59/100 (Sound)
- Refinance: 31 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 104 | $54M | +0.628% | Acceptable 🙂 |
| Refinance | 46/100 | 59 | $25M | +0.314% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 146 | 0.05% | 67/100 |
| TX | 16 | 0.00% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 69 | 67/100 |
| Los Angeles | CA | 44 | 61/100 |
| Anaheim | CA | 13 | 49/100 |

## Frequently Asked Questions

### What loan types does ST FIN CORP offer?

ST FIN CORP offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ST FIN CORP offer mortgages?

ST FIN CORP offers mortgages in 3 states: CA, FL, TX.

### How competitive are ST FIN CORP's mortgage rates?

ST FIN CORP has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.554% above market average.

### What type of lender is ST FIN CORP?

ST FIN CORP is a non-depository lender that specializes in mortgage origination, headquartered in LAGUNA HILLS, CA.

### What is ST FIN CORP's loan approval success rate?

ST FIN CORP has a pull-through score of 48/100 (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/st-fin

### How to Cite

> "ST FIN CORP Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/st-fin

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