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CONSUMER REAL ESTATE FINANCE CO.
Independent Mortgage Company|LOXAHATCHEE, FL|Near-National
Loans Originated
919
Applications
2,097
Volume
$176 million
Offers loans directly to consumers
Overall Pull Through
Mediocre
Pricing and Pullthrough Overview
Pullthrough Rate
43.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
CONSUMER REAL ESTATE FINANCE CO. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Acceptable | Near industry average | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 5 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$192,563
Average Borrower Income
$79,176
Average Property Value
$216,732
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | N/A | Sound | 302 | 32.9% | — | — |
FHA Loans | Sound | Strong | N/A | Sound | 393 | 42.8% | — | — |
VA Loans | Mediocre | Acceptable | N/A | Mediocre | 11 | 1.2% | — | — |
USDA Loans | Strong | Exceptional | N/A | Sound | 212 | 23.1% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | N/A | Sound | 866 | 94.2% | — | — |
Refinance | Sound | Sound | N/A | Sound | 53 | 5.8% | — | — |
Geographic Coverage
Metro Areas
4
States Served
31
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
La Crosse, WI-MNMSA
Volume: 43Mix: 4.68%
Place Specialization
Strong
2
Chicago, ILMSA
Volume: 46Mix: 5.01%
Place Specialization
Sound
3
Pittsburgh, PA, PAMSA
Volume: 17Mix: 1.85%
Place Specialization
Sound
4
Minneapolis, MN-WIMSA
Volume: 10Mix: 1.09%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
ILState
Volume: 93Mix: 10.12%
Place Specialization
Strong
2
WIState
Volume: 72Mix: 7.83%
Place Specialization
Strong
3
PAState
Volume: 69Mix: 7.51%
Place Specialization
Sound
4
OHState
Volume: 64Mix: 6.96%
Place Specialization
Sound
5
WVState
Volume: 31Mix: 3.37%
Place Specialization
Sound
6
INState
Volume: 51Mix: 5.55%
Place Specialization
Sound
7
MIState
Volume: 45Mix: 4.90%
Place Specialization
Sound
8
ALState
Volume: 32Mix: 3.48%
Place Specialization
Sound
9
MNState
Volume: 36Mix: 3.92%
Place Specialization
Sound
10
FLState
Volume: 62Mix: 6.75%
Place Specialization
Sound
Showing 10 of 23 states
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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