What loan types does CLIFFCO, INC. offer?

CLIFFCO, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does CLIFFCO, INC. offer mortgages?

CLIFFCO, INC. offers mortgages in 18 states: AL, AZ, CA, CT, DE, FL, GA, IL, KY, NC, NJ, NY, OH, OR, PA, SC, TX, VA.

How competitive are CLIFFCO, INC.'s mortgage rates?

CLIFFCO, INC. has an overall pricing score of 23.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CLIFFCO, INC.?

CLIFFCO, INC. is a Independent Mortgage Company headquartered in UNIONDALE, NY.

Unclaimed

Cliffco, Inc.

Independent Mortgage Company•UNIONDALE, NY•Direct to Consumer

We analyzed every closed loan from Cliffco — 934 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo

Place

Sound

Multi-Region · 7 mkts

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Safe Rate's Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and Jumbo loans

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Cliffco, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +44.0 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Sound	Industry Standard Top 60% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% 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-Regional8 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	683	73.1%	+0.409%Above	$3,738Fees
FHA Loans	Sound	Strong	Mediocre	Strong	199	21.3%	+0.709%Above	$4,809Fees
VA Loans	Sound	Sound	—	—	17	1.8%	-0.064%Below	$4,245Fees
Jumbo Loans	Sound	Strong	—	Sound	35	3.7%	+0.342%Above	$2,792Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Strong	837	89.6%	+0.414%Above	$3,844Fees
Refinance	Sound	Sound	Acceptable	Sound	97	10.4%	+0.727%Above	$4,107Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

934

Applications

1,252

Volume

$495 million

Pricing & Closing

Avg Rate Spread

+0.440%

vs. market APOR

Avg Net Fees

$3,867

Origination − Credits

Pullthrough Rate

74.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$530,964

Avg Borrower Income

$249,308

Avg Property Value

$722,730

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCACTDEFLGAILKYNCNJNYOHORPASCTXVA

Top Metro Areas by Place Specialization Score

Nassau County, NYMSA

Volume: 419Mix: 44.86%of portfolio

Place

Exceptional

New York, NY-NJMSA

Volume: 236Mix: 25.27%of portfolio

Place

Strong

Orlando, FLMSA

Volume: 46Mix: 4.93%of portfolio

Place

Sound

Newark, NJ, NJMSA

Volume: 25Mix: 2.68%of portfolio

Place

Sound

Lakewood, NJMSA

Volume: 16Mix: 1.71%of portfolio

Place

Sound

Kiryas Joel, NYMSA

Volume: 14Mix: 1.50%of portfolio

Place

Sound

Ocala, FL, FLMSA

Volume: 12Mix: 1.28%of portfolio

Place

Sound

Top States by Place Specialization Score

NYState

Volume: 674Mix: 72.16%of portfolio

Place

Exceptional

NJState

Volume: 70Mix: 7.49%of portfolio

Place

Strong

FLState

Volume: 100Mix: 10.71%of portfolio

Place

Sound

CTState

Volume: 17Mix: 1.82%of portfolio

Place

Sound

PAState

Volume: 14Mix: 1.50%of portfolio

Place

Acceptable

TXState

Volume: 18Mix: 1.93%of portfolio

Place

Acceptable

GAState

Volume: 11Mix: 1.18%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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.