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Consumer First Mortgage, Inc.
Independent Mortgage Company|NORTHPORT, AL|Regional
Loans Originated
166
Applications
254
Volume
$37 million
Sources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.494%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,348
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
Consumer First Mortgage, 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 | Acceptable | Near industry average | |
FHA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Regional · 5 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$227,831
Average Borrower Income
$94,639
Average Property Value
$283,494
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Mediocre | Acceptable | 69 | 41.6% | +0.324% | $3,654 |
FHA Loans | Sound | Strong | Acceptable | Strong | 74 | 44.6% | +0.686% | $3,200 |
USDA Loans | Strong | Strong | N/A | N/A | 15 | 9.0% | +0.524% | $2,661 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 131 | 78.9% | +0.516% | $3,216 |
Refinance | Acceptable | Acceptable | Mediocre | Acceptable | 35 | 21.1% | +0.388% | $3,973 |
Geographic Coverage
Metro Areas
4
States Served
3
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALFLTN
Top Metro Areas by Place Specialization Score
1
Florence, ALMSA
Volume: 17Mix: 10.24%
Place Specialization
Sound
2
Montgomery, AL, ALMSA
Volume: 14Mix: 8.43%
Place Specialization
Sound
3
Birmingham, AL, ALMSA
Volume: 15Mix: 9.04%
Place Specialization
Sound
4
Decatur, AL, ALMSA
Volume: 11Mix: 6.63%
Place Specialization
Sound
Top States by Place Specialization Score
1
ALState
Volume: 153Mix: 92.17%
Place Specialization
Strong
2
TNState
Volume: 10Mix: 6.02%
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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