Consumer First Mortgage
Consumer First Mortgage has 166 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · USDA
Place
Sound
3/5
Regional · 4 mkts
Summary
What They Do Well
- Particularly strong in FHA and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Consumer First Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+49.4 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Strong
Top 40% of lenders
USDA
Strong
Top 40% 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
Regional · 5 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 69 | 41.6% | +0.324%Above | $3,654Fees | ||||
FHA Loans | 74 | 44.6% | +0.686%Above | $3,200Fees | ||||
USDA Loans | — | — | 15 | 9.0% | +0.524%Above | $2,661Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume69
Mix41.6%
Spread
+0.324%Above
Fees
$3,654Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume74
Mix44.6%
Spread
+0.686%Above
Fees
$3,200Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume15
Mix9.0%
Spread
+0.524%Above
Fees
$2,661Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 131 | 78.9% | +0.516%Above | $3,216Fees | ||||
Refinance | 35 | 21.1% | +0.388%Above | $3,973Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume131
Mix78.9%
Spread
+0.516%Above
Fees
$3,216Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume35
Mix21.1%
Spread
+0.388%Above
Fees
$3,973Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
166
Applications
254
Volume
$37 million
Pricing & Closing
Avg Rate Spread
+0.494%
vs. market APOR
Avg Net Fees
$3,348
Origination − Credits
Pullthrough Rate
65.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$227,831
Avg Borrower Income
$94,639
Avg Property Value
$283,494
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
3South3
ALFLTN
Top Metro Areas by Place Specialization Score
Volume 17Mix 10.24% of portfolio
55/100
Sound
Volume 14Mix 8.43% of portfolio
52/100
Sound
Volume 15Mix 9.04% of portfolio
51/100
Sound
Volume 11Mix 6.63% of portfolio
49/100
SoundTop States by Place Specialization Score
1
AlabamaState
Volume 153Mix 92.17% of portfolio
78/100
Strong2
TennesseeState
Volume 10Mix 6.02% of portfolio
41/100
SoundHow 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.