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Cazle Mortgage, Inc.

Independent Mortgage CompanyBALTIMORE, MDDirect to Consumer

Cazle Mortgage has 335 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Mediocre
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA
Place
Strong
Multi-Region · 3 mkts

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Safe Rate's Summary

What They Do Well

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

Things to Think About

  • Pricing may be below industry average

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Report Card

Cazle Mortgage, Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
Below peers
+49.8 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Acceptable
Mediocre
Sound
12637.6%
+0.411%Above
$4,201Fees
FHA Loans
Sound
Strong
Acceptable
Exceptional
17351.6%
+0.569%Above
$3,173Fees
VA Loans
Sound
Strong
Mediocre
Exceptional
3610.7%
+0.499%Above
$3,885Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Sound
Mediocre
Strong
26278.2%
+0.538%Above
$4,531Fees
Refinance
Acceptable
Sound
Mediocre
Sound
7321.8%
+0.437%Above
$2,337Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
335
Applications
418
Volume
$107 million
Pricing & Closing
Avg Rate Spread
+0.498%
vs. market APOR
Avg Net Fees
$3,681
Origination − Credits
Pullthrough Rate
80.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$321,687
Avg Borrower Income
$119,925
Avg Property Value
$384,134

Geographic Coverage

Geographic Performance

Metro Areas
3
States Served
19
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

CACOCTDCDEFLGAILMAMDMIMNNCNJOHPASCTXVA

Top Metro Areas by Place Specialization Score

1
Baltimore, MDMSA
Volume: 198Mix: 59.10%of portfolio
Place
Exceptional
2
Washington, DC, DC-MDMSA
Volume: 24Mix: 7.16%of portfolio
Place
Sound
3
Cape Coral, FLMSA
Volume: 12Mix: 3.58%of portfolio
Place
Sound

Top States by Place Specialization Score

1
MDState
Volume: 233Mix: 69.55%of portfolio
Place
Strong
2
SCState
Volume: 15Mix: 4.48%of portfolio
Place
Sound
3
FLState
Volume: 22Mix: 6.57%of portfolio
Place
Sound
4
NJState
Volume: 10Mix: 2.99%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.