Castle & Cooke Mortgage
We analyzed every closed loan from Castle & Cooke Mortgage — 965 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Near-National · 11 mkts
Summary
What They Do Well
- Particularly strong in FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,689)
Explore another lender or local market
Report Card
Castle & Cooke Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+45.3 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% 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
Near-National · 12 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 499 | 51.7% | +0.437%Above | $4,528Fees | ||||
FHA Loans | 332 | 34.4% | +0.620%Above | $5,110Fees | ||||
VA Loans | 90 | 9.3% | -0.220%Below | $4,372Fees | ||||
USDA Loans | — | 35 | 3.6% | +0.906%Above | $2,849Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume499
Mix51.7%
Spread
+0.437%Above
Fees
$4,528Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume332
Mix34.4%
Spread
+0.620%Above
Fees
$5,110Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume90
Mix9.3%
Spread
-0.220%Below
Fees
$4,372Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughStrong
Volume35
Mix3.6%
Spread
+0.906%Above
Fees
$2,849Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 815 | 84.5% | +0.476%Above | $4,722Fees | ||||
Refinance | 150 | 15.5% | +0.350%Above | $4,540Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume815
Mix84.5%
Spread
+0.476%Above
Fees
$4,722Fees
Refinance
OverallAcceptable
ProductStrong
PricingAcceptable
Pull ThroughAcceptable
Volume150
Mix15.5%
Spread
+0.350%Above
Fees
$4,540Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
965
Applications
1,569
Volume
$335 million
Pricing & Closing
Avg Rate Spread
+0.453%
vs. market APOR
Avg Net Fees
$4,689
Origination − Credits
Pullthrough Rate
61.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$347,756
Avg Borrower Income
$127,756
Avg Property Value
$431,238
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
28Northeast1
PA
Midwest10
IAILINKSMNMONEOHSDWI
South7
FLNCOKSCTNTXVA
West10
AZCACOHIIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 156Mix 16.17% of portfolio
76/100
Strong
Volume 78Mix 8.08% of portfolio
71/100
Strong
Volume 69Mix 7.15% of portfolio
64/100
Strong
Volume 58Mix 6.01% of portfolio
64/100
Strong
Volume 43Mix 4.46% of portfolio
59/100
Sound
Volume 57Mix 5.91% of portfolio
59/100
Sound
Volume 56Mix 5.80% of portfolio
57/100
Sound
Volume 37Mix 3.83% of portfolio
56/100
Sound
Volume 22Mix 2.28% of portfolio
52/100
Sound
Volume 21Mix 2.18% of portfolio
51/100
SoundShowing 10 of 11 metro areas
Top States by Place Specialization Score
1
NevadaState
Volume 160Mix 16.58% of portfolio
75/100
Strong2
NebraskaState
Volume 138Mix 14.30% of portfolio
72/100
Strong3
UtahState
Volume 168Mix 17.41% of portfolio
71/100
Strong4
TennesseeState
Volume 81Mix 8.39% of portfolio
61/100
Strong5
ArizonaState
Volume 66Mix 6.84% of portfolio
58/100
Sound6
ColoradoState
Volume 64Mix 6.63% of portfolio
58/100
Sound7
IdahoState
Volume 53Mix 5.49% of portfolio
57/100
Sound8
IowaState
Volume 52Mix 5.39% of portfolio
56/100
Sound9
CaliforniaState
Volume 64Mix 6.63% of portfolio
52/100
Sound10
HawaiiState
Volume 16Mix 1.66% of portfolio
48/100
SoundShowing 10 of 12 states
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.