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Assurance Financial Group, L.L.C.
Independent Mortgage Company|Baton Rouge, LA|Near-National
Loans Originated
2,056
Applications
2,749
Volume
$556 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.504%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,918
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.8%
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 USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 50 basis points above market average
Report Card
Assurance Financial Group, L.L.C. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 19 metro areas · 27 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$270,657
Average Borrower Income
$126,592
Average Property Value
$334,066
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 1,249 | 60.7% | +0.387% | $2,900 |
FHA Loans | Strong | Exceptional | Acceptable | Exceptional | 521 | 25.3% | +0.864% | $3,062 |
VA Loans | Sound | Strong | Acceptable | Strong | 139 | 6.8% | -0.068% | $2,731 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 13 | 0.6% | +0.853% | $4,400 |
USDA Loans | Sound | Exceptional | Acceptable | Strong | 134 | 6.5% | +0.527% | $2,357 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 1,802 | 87.6% | +0.520% | $2,951 |
Refinance | Sound | Strong | Mediocre | Strong | 254 | 12.4% | +0.396% | $2,703 |
Geographic Coverage
Metro Areas
18
States Served
27
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Houma, LAMSA
Volume: 119Mix: 5.79%
Place Specialization
Exceptional
2
Florence, ALMSA
Volume: 152Mix: 7.39%
Place Specialization
Exceptional
3
Monroe, LA, LAMSA
Volume: 130Mix: 6.32%
Place Specialization
Exceptional
4
Baton Rouge, LA, LAMSA
Volume: 378Mix: 18.39%
Place Specialization
Exceptional
5
Birmingham, AL, ALMSA
Volume: 176Mix: 8.56%
Place Specialization
Exceptional
6
Shreveport, LAMSA
Volume: 85Mix: 4.13%
Place Specialization
Exceptional
7
Lafayette, LA, LAMSA
Volume: 134Mix: 6.52%
Place Specialization
Exceptional
8
Columbia, SC, SCMSA
Volume: 103Mix: 5.01%
Place Specialization
Strong
9
Augusta, GA-SCMSA
Volume: 67Mix: 3.26%
Place Specialization
Strong
10
Huntsville, AL, ALMSA
Volume: 68Mix: 3.31%
Place Specialization
Strong
Showing 10 of 18 metro areas
Top States by Place Specialization Score
1
LAState
Volume: 950Mix: 46.21%
Place Specialization
Exceptional
2
ALState
Volume: 550Mix: 26.75%
Place Specialization
Exceptional
3
SCState
Volume: 229Mix: 11.14%
Place Specialization
Strong
4
GAState
Volume: 141Mix: 6.86%
Place Specialization
Strong
5
TXState
Volume: 87Mix: 4.23%
Place Specialization
Sound
6
MSState
Volume: 18Mix: 0.88%
Place Specialization
Sound
7
VAState
Volume: 11Mix: 0.54%
Place Specialization
Acceptable
8
FLState
Volume: 17Mix: 0.83%
Place Specialization
Acceptable
9
NCState
Volume: 10Mix: 0.49%
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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