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Constant Investments

Independent Mortgage Company•La Mirada, CAHQ•Direct•Reviews near you on Google

Constant Investments has 246 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
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Multi-Region · 7 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Constant Investments performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+24.0 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume243
Mix98.8%
Spread
+0.229%Above
Fees
$3,097Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume221
Mix89.8%
Spread
+0.245%Above
Fees
$3,140Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Strong
Volume25
Mix10.2%
Spread
+0.188%Above
Fees
$2,420Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
246
Applications
287
Volume
$99 million
Pricing & Closing
Avg Rate Spread
+0.240%
vs. market APOR
Avg Net Fees
$3,072
Origination − Credits
Pullthrough Rate
85.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$405,528
Avg Borrower Income
$187,654
Avg Property Value
$605,366

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South3
FLGATX
West5
AZCANVORWA

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Sacramento, CAMetro
Volume 38Mix 15.45% of portfolio
60/100
Sound
2© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 31Mix 12.60% of portfolio
58/100
Sound
3© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 26Mix 10.57% of portfolio
57/100
Sound
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 27Mix 10.98% of portfolio
56/100
Sound
5© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 33Mix 13.41% of portfolio
55/100
Sound
6© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 28Mix 11.38% of portfolio
54/100
Sound
7© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 28Mix 11.38% of portfolio
53/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 115Mix 46.75% of portfolio
63/100
Strong
Texas
Texas
2
TexasState
Volume 91Mix 36.99% of portfolio
61/100
Strong
Nevada
Nevada
3
NevadaState
Volume 33Mix 13.41% of portfolio
58/100
Sound

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.