# STAUNTON FINANCIAL, INC.

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


STAUNTON FINANCIAL, INC. is a independent mortgage company, headquartered in SOUTHFIELD, MI, serving borrowers across 8 states, with 2,034 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 54% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300KQQRECSLK8ID57
- **Headquarters:** SOUTHFIELD, MI
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AL, CO, FL, KS, MI, NC, OH, TX
- **Markets (MSAs):** 12
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.334%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,967
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,034
- **Dollar Volume:** $532 million
- **Applications Received:** 2,357
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $261,770
- **Average Borrower Income:** $117,309
- **Average Property Value:** $325,600

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (76%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (76%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 1,614 | +0.290% | $1,979 | Exceptional 🤩 |
| FHA | 80/100 | 316 | +0.760% | $2,078 | Strong 😀 |
| VA | 70/100 | 82 | -0.100% | $1,164 | Strong 😀 |
| Jumbo | 65/100 | 14 | +0.143% | $2,435 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,480 loans, Score: 83/100 (Exceptional)
- Refinance: 134 loans, Score: 65/100 (Strong)

**FHA:**
- Purchase: 287 loans, Score: 80/100 (Exceptional)
- Refinance: 29 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 79 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 83/100 | 1,868 | $486M | +0.342% | Exceptional 🤩 |
| Refinance | 65/100 | 166 | $46M | +0.254% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 1,989 | 1.76% | 92/100 |
| FL | 16 | 0.01% | 36/100 |
| NC | 11 | 0.01% | 36/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warren | MI | 788 | 89/100 |
| Detroit | MI | 424 | 87/100 |
| Non |  | 178 | 57/100 |
| Ann Arbor, MI | MI | 151 | 94/100 |
| Bay City, MI | MI | 142 | 100/100 |
| Saginaw, MI | MI | 85 | 81/100 |
| Midland, MI | MI | 65 | 85/100 |
| Flint, MI | MI | 44 | 62/100 |
| Jackson, MI | MI | 33 | 67/100 |
| Monroe, MI | MI | 26 | 60/100 |
| Traverse City, MI | MI | 25 | 57/100 |
| Lansing | MI | 15 | 45/100 |

## Where This Lender Ranks

STAUNTON FINANCIAL, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Michigan for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Warren for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Detroit for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Ann Arbor, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Bay City, MI
  - [View Full Rankings](https://saferate.com/bay-city-mi/best-mortgage-lenders)
- 🥇 **#1** in Bay City, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/bay-city-mi/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Bay City, MI for Conventional Loans
  - [View Full Rankings](https://saferate.com/bay-city-mi/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Bay City, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bay-city-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Saginaw, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Midland, MI for Conventional Loans
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Midland, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Flint, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Detroit Mortgage Companies
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Ann Arbor, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Saginaw, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/saginaw-mi/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Midland, MI
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders)
- 🥈 **#2** in Midland, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/midland-mi/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Flint, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Jackson, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Michigan Mortgage Companies
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does STAUNTON FINANCIAL, INC. offer?

STAUNTON FINANCIAL, INC. 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 STAUNTON FINANCIAL, INC. offer mortgages?

STAUNTON FINANCIAL, INC. offers mortgages in 8 states: AL, CO, FL, KS, MI, NC, OH, TX.

### How competitive are STAUNTON FINANCIAL, INC.'s mortgage rates?

STAUNTON FINANCIAL, INC. has a pricing score of 46/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.334% above market average.

### What type of lender is STAUNTON FINANCIAL, INC.?

STAUNTON FINANCIAL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SOUTHFIELD, MI.

### What is STAUNTON FINANCIAL, INC.'s loan approval success rate?

STAUNTON FINANCIAL, INC. has a pull-through score of 83/100 (Exceptional). 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/staunton-financial

### How to Cite

> "STAUNTON FINANCIAL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/staunton-financial

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