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Altitude Financial Corporation

Independent Mortgage Company•Phoenix, AZHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Altitude Financial Corporation — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo loans

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Report Card

Altitude Financial Corporation performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+31.0 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume626
Mix62.5%
Spread
+0.361%Above
Fees
$1,945Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume274
Mix27.3%
Spread
+0.393%Above
Fees
$2,638Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume83
Mix8.3%
Spread
-0.291%Below
Fees
$2,012Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume13
Mix1.3%
Spread
+0.393%Above
Fees
$1,290Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume878
Mix87.6%
Spread
+0.338%Above
Fees
$1,825Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume124
Mix12.4%
Spread
+0.204%Above
Fees
$3,009Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,002
Applications
1,307
Volume
$348 million
Pricing & Closing
Avg Rate Spread
+0.310%
vs. market APOR
Avg Net Fees
$2,069
Origination − Credits
Pullthrough Rate
76.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$347,655
Avg Borrower Income
$142,810
Avg Property Value
$455,509

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

9
9 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
FLTX
West7
AZCACOIDNVORWA

Top Metro Areas by Place Specialization Score

1© Bill Morrow from Tucson, AZ, US · CC BY 2.0
Tucson, AZMetro
Volume 571Mix 56.99% of portfolio
95/100
Exceptional
2© StellarD · CC BY-SA 4.0
Sierra Vista, AZMetro
Volume 62Mix 6.19% of portfolio
78/100
Strong
3© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 188Mix 18.76% of portfolio
71/100
Strong
4© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Fresno, CAMetro
Volume 43Mix 4.29% of portfolio
61/100
Strong
5© Original uploader was VisalianNsf at en.wikipedia · CC BY-SA 3.0
Visalia, CAMetro
Volume 28Mix 2.79% of portfolio
58/100
Sound
6© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 10Mix 1.00% of portfolio
39/100
Acceptable

Top States by Place Specialization Score

Arizona
Arizona
1
ArizonaState
Volume 881Mix 87.92% of portfolio
87/100
Exceptional
California
California
2
CaliforniaState
Volume 84Mix 8.38% of portfolio
55/100
Sound
Colorado
Colorado
3
ColoradoState
Volume 14Mix 1.40% of portfolio
41/100
Sound
Nevada
Nevada
4
NevadaState
Volume 10Mix 1.00% of portfolio
39/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.