# THE MORTGAGE COMPANY

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


THE MORTGAGE COMPANY is a independent mortgage company, headquartered in CENTENNIAL, CO, serving borrowers across 2 states, with 215 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300NB6LOZ96BDSU42
- **Headquarters:** CENTENNIAL, CO
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CO, FL
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.6%
- **Brokered/Wholesale:** 0.4%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.291%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,858
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 215
- **Dollar Volume:** $83 million
- **Applications Received:** 285
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $386,023
- **Average Borrower Income:** $150,163
- **Average Property Value:** $540,767

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 158 | +0.257% | $3,820 | Acceptable 🙂 |
| FHA | 57/100 | 38 | +0.537% | $4,209 | Sound ☺️ |
| VA | 56/100 | 12 | +0.352% | $4,722 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 130 loans, Score: 39/100 (Acceptable)
- Refinance: 28 loans, Score: 38/100 (Acceptable)

**FHA:**
- Purchase: 33 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 181 | $72M | +0.296% | Sound ☺️ |
| Refinance | 39/100 | 34 | $11M | +0.264% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 213 | 0.26% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Denver | CO | 104 | 71/100 |
| Non |  | 77 | 54/100 |
| Pueblo, CO | CO | 10 | 45/100 |

## Where This Lender Ranks

THE MORTGAGE COMPANY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#19** in Pueblo, CO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pueblo-co/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does THE MORTGAGE COMPANY offer?

THE MORTGAGE COMPANY offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does THE MORTGAGE COMPANY offer mortgages?

THE MORTGAGE COMPANY offers mortgages in 2 states: CO, FL.

### How competitive are THE MORTGAGE COMPANY's mortgage rates?

THE MORTGAGE COMPANY has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.291% above market average.

### What type of lender is THE MORTGAGE COMPANY?

THE MORTGAGE COMPANY is a non-depository lender that specializes in mortgage origination, headquartered in CENTENNIAL, CO.

### What is THE MORTGAGE COMPANY's loan approval success rate?

THE MORTGAGE COMPANY has a pull-through score of 58/100 (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/the-mortgage

### How to Cite

> "THE MORTGAGE COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-mortgage

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