Contour Mortgage Corporation
We analyzed every closed loan from Contour Mortgage Corporation — 2.7k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 20 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Contour Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+33.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 21 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 | 1,991 | 73.5% | +0.273%Above | $3,627Fees | ||||
FHA Loans | 553 | 20.4% | +0.704%Above | $4,765Fees | ||||
VA Loans | 151 | 5.6% | -0.006%Below | $3,563Fees | ||||
Jumbo Loans | — | — | 11 | 0.4% | +0.262%Above | $1,147Fees |
Conventional
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,991
Mix73.5%
Spread
+0.273%Above
Fees
$3,627Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume553
Mix20.4%
Spread
+0.704%Above
Fees
$4,765Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume151
Mix5.6%
Spread
-0.006%Below
Fees
$3,563Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix0.4%
Spread
+0.262%Above
Fees
$1,147Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,468 | 91.1% | +0.344%Above | $3,786Fees | ||||
Refinance | 242 | 8.9% | +0.186%Above | $4,096Fees |
Purchase
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,468
Mix91.1%
Spread
+0.344%Above
Fees
$3,786Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume242
Mix8.9%
Spread
+0.186%Above
Fees
$4,096Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,710
Applications
4,047
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.332%
vs. market APOR
Avg Net Fees
$3,809
Origination − Credits
Pullthrough Rate
67.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$460,749
Avg Borrower Income
$159,325
Avg Property Value
$581,251
Geographic Coverage
Geographic Performance
Metro Areas
20
markets with activity
States Served
32
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
32Northeast8
CTMEMANHNJNYPARI
Midwest6
ILINMIMNOHWI
South14
ALDCDEFLGAMDMSNCOKSCTNTXVAWV
West4
CACOUTWA
Top Metro Areas by Place Specialization Score
Volume 1,411Mix 52.07% of portfolio
100/100
Exceptional
Volume 488Mix 18.01% of portfolio
83/100
Exceptional
Volume 66Mix 2.44% of portfolio
70/100
Strong
Volume 29Mix 1.07% of portfolio
66/100
Strong
Volume 42Mix 1.55% of portfolio
61/100
Strong
Volume 35Mix 1.29% of portfolio
57/100
Sound
Volume 43Mix 1.59% of portfolio
56/100
Sound
Volume 22Mix 0.81% of portfolio
56/100
Sound
Volume 29Mix 1.07% of portfolio
55/100
Sound
Volume 32Mix 1.18% of portfolio
54/100
SoundShowing 10 of 20 metro areas
Top States by Place Specialization Score
1
New YorkState
Volume 1,951Mix 71.99% of portfolio
93/100
Exceptional2
PennsylvaniaState
Volume 178Mix 6.57% of portfolio
66/100
Strong3
New JerseyState
Volume 132Mix 4.87% of portfolio
65/100
Strong4
MichiganState
Volume 114Mix 4.21% of portfolio
60/100
Strong5
FloridaState
Volume 102Mix 3.76% of portfolio
54/100
Sound6
ConnecticutState
Volume 42Mix 1.55% of portfolio
53/100
Sound7
AlabamaState
Volume 39Mix 1.44% of portfolio
52/100
Sound8
South CarolinaState
Volume 28Mix 1.03% of portfolio
47/100
Sound9
North CarolinaState
Volume 21Mix 0.77% of portfolio
41/100
Sound10
GeorgiaState
Volume 16Mix 0.59% of portfolio
39/100
AcceptableShowing 10 of 13 states
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.