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ALTITUDE FINANCIAL CORPORATION
Independent Mortgage Company|PHOENIX, AZ|Multi-Region
Loans Originated
1,002
Applications
1,307
Volume
$348 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.310%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,069
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
ALTITUDE FINANCIAL CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 7 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$347,655
Average Borrower Income
$142,810
Average Property Value
$455,509
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 626 | 62.5% | +0.361% | $1,945 |
FHA Loans | Strong | Strong | Sound | Exceptional | 274 | 27.3% | +0.393% | $2,638 |
VA Loans | Strong | Strong | Sound | Strong | 83 | 8.3% | -0.291% | $2,012 |
Jumbo Loans | Sound | Strong | N/A | Sound | 13 | 1.3% | +0.393% | $1,290 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 878 | 87.6% | +0.338% | $1,825 |
Refinance | Strong | Strong | Sound | Exceptional | 124 | 12.4% | +0.204% | $3,009 |
Geographic Coverage
Metro Areas
6
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCACOFLIDNVORTXWA
Top Metro Areas by Place Specialization Score
1
Tucson, AZ, AZMSA
Volume: 571Mix: 56.99%
Place Specialization
Exceptional
2
Sierra Vista, AZMSA
Volume: 62Mix: 6.19%
Place Specialization
Strong
3
Phoenix, AZMSA
Volume: 188Mix: 18.76%
Place Specialization
Strong
4
Fresno, CA, CAMSA
Volume: 43Mix: 4.29%
Place Specialization
Strong
5
Visalia, CA, CAMSA
Volume: 28Mix: 2.79%
Place Specialization
Sound
6
Las Vegas, NVMSA
Volume: 10Mix: 1.00%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
AZState
Volume: 881Mix: 87.92%
Place Specialization
Exceptional
2
CAState
Volume: 84Mix: 8.38%
Place Specialization
Sound
3
COState
Volume: 14Mix: 1.40%
Place Specialization
Sound
4
NVState
Volume: 10Mix: 1.00%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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