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CLM MORTGAGE, INC.
Independent Mortgage Company|THE WOODLANDS, TX|Multi-Region
Loans Originated
2,525
Applications
3,078
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards💎VA Champion⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.171%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,062
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
82.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,062)
Report Card
CLM MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 18 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$422,818
Average Borrower Income
$152,779
Average Property Value
$508,521
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 1,475 | 58.4% | +0.209% | $4,219 |
FHA Loans | Strong | Strong | Sound | Exceptional | 681 | 27.0% | +0.231% | $4,430 |
VA Loans | Exceptional | Strong | Exceptional | Exceptional | 360 | 14.3% | -0.505% | $984 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 2,523 | 99.9% | +0.172% | $4,061 |
Geographic Coverage
Metro Areas
18
States Served
8
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCAIDNVORTXUTWA
Top Metro Areas by Place Specialization Score
1
Houston, TXMSA
Volume: 733Mix: 29.03%
Place Specialization
Exceptional
2
Austin, TXMSA
Volume: 298Mix: 11.80%
Place Specialization
Exceptional
3
Ogden, UT, UTMSA
Volume: 128Mix: 5.07%
Place Specialization
Strong
4
San Antonio, TXMSA
Volume: 249Mix: 9.86%
Place Specialization
Strong
5
Dallas, TXMSA
Volume: 214Mix: 8.48%
Place Specialization
Strong
6
Provo, UTMSA
Volume: 111Mix: 4.40%
Place Specialization
Strong
7
Boise City, ID, IDMSA
Volume: 141Mix: 5.58%
Place Specialization
Strong
8
Las Vegas, NVMSA
Volume: 78Mix: 3.09%
Place Specialization
Strong
9
Salt Lake City, UTMSA
Volume: 68Mix: 2.69%
Place Specialization
Strong
10
Portland, OR-WAMSA
Volume: 82Mix: 3.25%
Place Specialization
Strong
Showing 10 of 18 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,554Mix: 61.54%
Place Specialization
Exceptional
2
UTState
Volume: 308Mix: 12.20%
Place Specialization
Strong
3
IDState
Volume: 141Mix: 5.58%
Place Specialization
Strong
4
CAState
Volume: 239Mix: 9.47%
Place Specialization
Strong
5
NVState
Volume: 78Mix: 3.09%
Place Specialization
Strong
6
AZState
Volume: 117Mix: 4.63%
Place Specialization
Strong
7
ORState
Volume: 62Mix: 2.46%
Place Specialization
Sound
8
WAState
Volume: 26Mix: 1.03%
Place Specialization
Sound
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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