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Cazle Mortgage

Independent Mortgage Company•Baltimore, MDHQ•Direct•Reviews near you on Google

Cazle Mortgage has 335 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 3 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

Cazle Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+49.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Sound
Volume126
Mix37.6%
Spread
+0.411%Above
Fees
$4,201Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume173
Mix51.6%
Spread
+0.569%Above
Fees
$3,173Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Exceptional
Volume36
Mix10.7%
Spread
+0.499%Above
Fees
$3,885Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume262
Mix78.2%
Spread
+0.538%Above
Fees
$4,531Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume73
Mix21.8%
Spread
+0.437%Above
Fees
$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
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

19
19 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast4
CTMANJPA
Midwest4
ILMIMNOH
South9
DCDEFLGAMDNCSCTXVA
West2
CACO

Top Metro Areas by Place Specialization Score

1© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 198Mix 59.10% of portfolio
80/100
Exceptional
2© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 24Mix 7.16% of portfolio
57/100
Sound
3© Eric Friedebach · CC BY 3.0
Cape Coral, FLMetro
Volume 12Mix 3.58% of portfolio
45/100
Sound

Top States by Place Specialization Score

Maryland
Maryland
1
MarylandState
Volume 233Mix 69.55% of portfolio
77/100
Strong
South Carolina
South Carolina
2
South CarolinaState
Volume 15Mix 4.48% of portfolio
44/100
Sound
Florida
Florida
3
FloridaState
Volume 22Mix 6.57% of portfolio
44/100
Sound
New Jersey
New Jersey
4
New JerseyState
Volume 10Mix 2.99% of portfolio
40/100
Acceptable

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.