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We analyzed every closed loan from Contour Mortgage — 2.7k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Sound
Near-National · 20 mkts
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Safe Rate's 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
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +33.2 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National21 markets | |
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 |
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 |
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
States Served
32
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALCACOCTDCDEFLGAILINMAMDMEMIMNMSNCNHNJNYOHOKPARISCTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Nassau County, NYMSA
Volume: 1,411Mix: 52.07%of portfolio
Place
Exceptional2
New York, NY-NJMSA
Volume: 488Mix: 18.01%of portfolio
Place
Exceptional3
Reading, PA, PAMSA
Volume: 66Mix: 2.44%of portfolio
Place
Strong4
Sebastian, FLMSA
Volume: 29Mix: 1.07%of portfolio
Place
Strong5
Kiryas Joel, NYMSA
Volume: 42Mix: 1.55%of portfolio
Place
Strong6
Kalamazoo, MIMSA
Volume: 35Mix: 1.29%of portfolio
Place
Sound7
Lakewood, NJMSA
Volume: 43Mix: 1.59%of portfolio
Place
Sound8
Battle Creek, MI, MIMSA
Volume: 22Mix: 0.81%of portfolio
Place
Sound9
Huntsville, AL, ALMSA
Volume: 29Mix: 1.07%of portfolio
Place
Sound10
Montgomery County, PAMSA
Volume: 32Mix: 1.18%of portfolio
Place
SoundShowing 10 of 20 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 1,951Mix: 71.99%of portfolio
Place
Exceptional2
PAState
Volume: 178Mix: 6.57%of portfolio
Place
Strong3
NJState
Volume: 132Mix: 4.87%of portfolio
Place
Strong4
MIState
Volume: 114Mix: 4.21%of portfolio
Place
Strong5
FLState
Volume: 102Mix: 3.76%of portfolio
Place
Sound6
CTState
Volume: 42Mix: 1.55%of portfolio
Place
Sound7
ALState
Volume: 39Mix: 1.44%of portfolio
Place
Sound8
SCState
Volume: 28Mix: 1.03%of portfolio
Place
Sound9
NCState
Volume: 21Mix: 0.77%of portfolio
Place
Sound10
GAState
Volume: 16Mix: 0.59%of portfolio
Place
AcceptableShowing 10 of 13 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.