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CASTLE & COOKE MORTGAGE, LLC
Independent Mortgage Company|WILMINGTON, DE|Near-National
Loans Originated
965
Applications
1,569
Volume
$335 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.453%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,689
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.5%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
CASTLE & COOKE MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 12 metro areas · 28 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$347,756
Average Borrower Income
$127,756
Average Property Value
$431,238
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Acceptable | 499 | 51.7% | +0.437% | $4,528 |
FHA Loans | Sound | Strong | Mediocre | Strong | 332 | 34.4% | +0.620% | $5,110 |
VA Loans | Sound | Strong | Mediocre | Strong | 90 | 9.3% | -0.220% | $4,372 |
USDA Loans | Strong | Exceptional | N/A | Strong | 35 | 3.6% | +0.906% | $2,849 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 815 | 84.5% | +0.476% | $4,722 |
Refinance | Sound | Strong | Acceptable | Acceptable | 150 | 15.5% | +0.350% | $4,540 |
Geographic Coverage
Metro Areas
11
States Served
28
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOFLHIIAIDILINKSMNMONCNENMNVOHOKORPASCSDTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Las Vegas, NVMSA
Volume: 156Mix: 16.17%
Place Specialization
Strong
2
Ogden, UT, UTMSA
Volume: 78Mix: 8.08%
Place Specialization
Strong
3
Nashville, TNMSA
Volume: 69Mix: 7.15%
Place Specialization
Strong
4
Omaha, NE, NE-IAMSA
Volume: 58Mix: 6.01%
Place Specialization
Strong
5
Salt Lake City, UTMSA
Volume: 43Mix: 4.46%
Place Specialization
Sound
6
Denver, COMSA
Volume: 57Mix: 5.91%
Place Specialization
Sound
7
Phoenix, AZMSA
Volume: 56Mix: 5.80%
Place Specialization
Sound
8
Boise City, ID, IDMSA
Volume: 37Mix: 3.83%
Place Specialization
Sound
9
Bakersfield, CAMSA
Volume: 22Mix: 2.28%
Place Specialization
Sound
10
Provo, UTMSA
Volume: 21Mix: 2.18%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 160Mix: 16.58%
Place Specialization
Strong
2
NEState
Volume: 138Mix: 14.30%
Place Specialization
Strong
3
UTState
Volume: 168Mix: 17.41%
Place Specialization
Strong
4
TNState
Volume: 81Mix: 8.39%
Place Specialization
Strong
5
AZState
Volume: 66Mix: 6.84%
Place Specialization
Sound
6
COState
Volume: 64Mix: 6.63%
Place Specialization
Sound
7
IDState
Volume: 53Mix: 5.49%
Place Specialization
Sound
8
IAState
Volume: 52Mix: 5.39%
Place Specialization
Sound
9
CAState
Volume: 64Mix: 6.63%
Place Specialization
Sound
10
HIState
Volume: 16Mix: 1.66%
Place Specialization
Sound
Showing 10 of 12 states
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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