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Cazle Mortgage, Inc.
Independent Mortgage Company|BALTIMORE, MD|Multi-Region
Loans Originated
335
Applications
418
Volume
$107 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.498%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,681
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.1%
Percentage of applications that result in closed loans
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
Report Card
Cazle Mortgage, Inc. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 4 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$321,687
Average Borrower Income
$119,925
Average Property Value
$384,134
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Mediocre | Sound | 126 | 37.6% | +0.411% | $4,201 |
FHA Loans | Sound | Strong | Acceptable | Exceptional | 173 | 51.6% | +0.569% | $3,173 |
VA Loans | Sound | Strong | Mediocre | Exceptional | 36 | 10.7% | +0.499% | $3,885 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Strong | 262 | 78.2% | +0.538% | $4,531 |
Refinance | Acceptable | Sound | Mediocre | Sound | 73 | 21.8% | +0.437% | $2,337 |
Geographic Coverage
Metro Areas
3
States Served
19
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
Baltimore, MDMSA
Volume: 198Mix: 59.10%
Place Specialization
Exceptional
2
Washington, DC, DC-MDMSA
Volume: 24Mix: 7.16%
Place Specialization
Sound
3
Cape Coral, FLMSA
Volume: 12Mix: 3.58%
Place Specialization
Sound
Top States by Place Specialization Score
1
MDState
Volume: 233Mix: 69.55%
Place Specialization
Strong
2
SCState
Volume: 15Mix: 4.48%
Place Specialization
Sound
3
FLState
Volume: 22Mix: 6.57%
Place Specialization
Sound
4
NJState
Volume: 10Mix: 2.99%
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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