# TRISTAR FINANCE, INC.

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


> **📋 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


TRISTAR FINANCE, INC. is a independent mortgage company, headquartered in KIRKLAND, WA, serving borrowers across 10 states, with 73 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 30% 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):** 54930004MLYQ2HKUPN66
- **Headquarters:** KIRKLAND, WA
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AK, AL, AZ, FL, ID, MI, MT, OR, TX, WA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

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

### Pricing Details
- **Average Rate Spread:** +0.052%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,535
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 73
- **Dollar Volume:** $47 million
- **Applications Received:** 86
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $641,438
- **Average Borrower Income:** $296,055
- **Average Property Value:** $909,384

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 27/100 | 61 | +0.043% | $1,479 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 37 loans, Score: 24/100 (Acceptable)
- Refinance: 24 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 26/100 | 44 | $27M | +0.086% | Acceptable 🙂 |
| Refinance | 40/100 | 29 | $20M | +0.010% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 59 | 0.07% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Seattle | WA | 39 | 65/100 |
| Everett, WA | WA | 10 | 50/100 |

## Frequently Asked Questions

### What loan types does TRISTAR FINANCE, INC. offer?

TRISTAR FINANCE, INC. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TRISTAR FINANCE, INC. offer mortgages?

TRISTAR FINANCE, INC. offers mortgages in 10 states: AK, AL, AZ, FL, ID, MI, MT, OR, TX, WA.

### How competitive are TRISTAR FINANCE, INC.'s mortgage rates?

TRISTAR FINANCE, INC. has a pricing score of 70/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.052% above market average.

### What type of lender is TRISTAR FINANCE, INC.?

TRISTAR FINANCE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in KIRKLAND, WA.

### What is TRISTAR FINANCE, INC.'s loan approval success rate?

TRISTAR FINANCE, INC. 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/tristar-finance

### How to Cite

> "TRISTAR FINANCE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tristar-finance

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