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Click n' Close, Inc.
Independent Mortgage Company|ROCKY RIVER, OH|National
Loans Originated
6,813
Applications
12,189
Volume
$2 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+1.753%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$6,444
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
55.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 175 basis points above market average
- Higher than average fees ($6,444)
Report Card
Click n' Close, Inc. 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 | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 48 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$297,387
Average Borrower Income
$124,868
Average Property Value
$349,914
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | N/A | Sound | 2,136 | 31.4% | +1.792% | $6,369 |
FHA Loans | Sound | Exceptional | Mediocre | Strong | 3,812 | 56.0% | +1.754% | $6,592 |
VA Loans | Sound | Strong | N/A | Sound | 404 | 5.9% | — | — |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 17 | 0.2% | — | — |
USDA Loans | Strong | Exceptional | N/A | Sound | 444 | 6.5% | +1.628% | $2,969 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Exceptional | Mediocre | Sound | 6,206 | 91.1% | +1.752% | $6,428 |
Refinance | Sound | Strong | N/A | Acceptable | 607 | 8.9% | +1.807% | $7,186 |
Geographic Coverage
Metro Areas
49
States Served
48
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENJNMNVNYOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Toledo, OH, OHMSA
Volume: 223Mix: 3.27%
Place Specialization
Exceptional
2
Houston, TXMSA
Volume: 697Mix: 10.23%
Place Specialization
Exceptional
3
Tampa, FL, FLMSA
Volume: 291Mix: 4.27%
Place Specialization
Strong
4
Phoenix, AZMSA
Volume: 360Mix: 5.28%
Place Specialization
Strong
5
Kansas City, MO, MO-KSMSA
Volume: 237Mix: 3.48%
Place Specialization
Strong
6
Corpus Christi, TX, TXMSA
Volume: 83Mix: 1.22%
Place Specialization
Strong
7
Hammond, LA, LAMSA
Volume: 46Mix: 0.68%
Place Specialization
Strong
8
Charlotte, NC-SCMSA
Volume: 155Mix: 2.28%
Place Specialization
Strong
9
Wheeling, WV, WV-OHMSA
Volume: 41Mix: 0.60%
Place Specialization
Strong
10
St. Petersburg, FLMSA
Volume: 81Mix: 1.19%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,284Mix: 18.85%
Place Specialization
Strong
2
ARState
Volume: 429Mix: 6.30%
Place Specialization
Strong
3
NMState
Volume: 262Mix: 3.85%
Place Specialization
Strong
4
OHState
Volume: 534Mix: 7.84%
Place Specialization
Strong
5
AZState
Volume: 410Mix: 6.02%
Place Specialization
Strong
6
FLState
Volume: 749Mix: 10.99%
Place Specialization
Strong
7
KSState
Volume: 165Mix: 2.42%
Place Specialization
Strong
8
MOState
Volume: 359Mix: 5.27%
Place Specialization
Strong
9
LAState
Volume: 235Mix: 3.45%
Place Specialization
Strong
10
OKState
Volume: 186Mix: 2.73%
Place Specialization
Strong
Showing 10 of 40 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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