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Constant Investments, Inc.
Independent Mortgage Company|La Mirada, CA|Multi-Region
Loans Originated
246
Applications
287
Volume
$99 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.240%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,072
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
85.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pricing may be below industry average
Report Card
Constant Investments, Inc. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 7 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
$405,528
Average Borrower Income
$187,654
Average Property Value
$605,366
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 243 | 98.8% | +0.229% | $3,097 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 221 | 89.8% | +0.245% | $3,140 |
Refinance | Sound | Acceptable | N/A | Strong | 25 | 10.2% | +0.188% | $2,420 |
Geographic Coverage
Metro Areas
7
States Served
8
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCAFLGANVORTXWA
Top Metro Areas by Place Specialization Score
1
Sacramento, CAMSA
Volume: 38Mix: 15.45%
Place Specialization
Sound
2
Las Vegas, NVMSA
Volume: 31Mix: 12.60%
Place Specialization
Sound
3
Anaheim, CAMSA
Volume: 26Mix: 10.57%
Place Specialization
Sound
4
Fort Worth, TXMSA
Volume: 27Mix: 10.98%
Place Specialization
Sound
5
Dallas, TXMSA
Volume: 33Mix: 13.41%
Place Specialization
Sound
6
Los Angeles, CAMSA
Volume: 28Mix: 11.38%
Place Specialization
Sound
7
Houston, TXMSA
Volume: 28Mix: 11.38%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 115Mix: 46.75%
Place Specialization
Strong
2
TXState
Volume: 91Mix: 36.99%
Place Specialization
Strong
3
NVState
Volume: 33Mix: 13.41%
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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