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CONTOUR MORTGAGE CORPORATION
Independent Mortgage Company|DOVER, DE|Near-National
Loans Originated
2,710
Applications
4,047
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.332%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,809
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.0%
Percentage of applications that result in closed loans
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
Report Card
CONTOUR MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 21 metro areas · 32 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$460,749
Average Borrower Income
$159,325
Average Property Value
$581,251
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 1,991 | 73.5% | +0.273% | $3,627 |
FHA Loans | Sound | Exceptional | Mediocre | Strong | 553 | 20.4% | +0.704% | $4,765 |
VA Loans | Sound | Strong | Mediocre | Strong | 151 | 5.6% | -0.006% | $3,563 |
Jumbo Loans | Sound | Sound | N/A | N/A | 11 | 0.4% | +0.262% | $1,147 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 2,468 | 91.1% | +0.344% | $3,786 |
Refinance | Sound | Strong | Acceptable | Sound | 242 | 8.9% | +0.186% | $4,096 |
Geographic Coverage
Metro Areas
20
States Served
32
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALCACOCTDCDEFLGAILINMAMDMEMIMNMSNCNHNJNYOHOKPARISCTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Nassau County, NYMSA
Volume: 1,411Mix: 52.07%
Place Specialization
Exceptional
2
New York, NY-NJMSA
Volume: 488Mix: 18.01%
Place Specialization
Exceptional
3
Reading, PA, PAMSA
Volume: 66Mix: 2.44%
Place Specialization
Strong
4
Sebastian, FLMSA
Volume: 29Mix: 1.07%
Place Specialization
Strong
5
Kiryas Joel, NYMSA
Volume: 42Mix: 1.55%
Place Specialization
Strong
6
Kalamazoo, MIMSA
Volume: 35Mix: 1.29%
Place Specialization
Sound
7
Lakewood, NJMSA
Volume: 43Mix: 1.59%
Place Specialization
Sound
8
Battle Creek, MI, MIMSA
Volume: 22Mix: 0.81%
Place Specialization
Sound
9
Huntsville, AL, ALMSA
Volume: 29Mix: 1.07%
Place Specialization
Sound
10
Montgomery County, PAMSA
Volume: 32Mix: 1.18%
Place Specialization
Sound
Showing 10 of 20 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 1,951Mix: 71.99%
Place Specialization
Exceptional
2
PAState
Volume: 178Mix: 6.57%
Place Specialization
Strong
3
NJState
Volume: 132Mix: 4.87%
Place Specialization
Strong
4
MIState
Volume: 114Mix: 4.21%
Place Specialization
Strong
5
FLState
Volume: 102Mix: 3.76%
Place Specialization
Sound
6
CTState
Volume: 42Mix: 1.55%
Place Specialization
Sound
7
ALState
Volume: 39Mix: 1.44%
Place Specialization
Sound
8
SCState
Volume: 28Mix: 1.03%
Place Specialization
Sound
9
NCState
Volume: 21Mix: 0.77%
Place Specialization
Sound
10
GAState
Volume: 16Mix: 0.59%
Place Specialization
Acceptable
Showing 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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