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Crestmark Mortgage Company, Ltd.

Independent Mortgage CompanyDALLAS, TXDirect to Consumer

We analyzed every closed loan from Crestmark Mortgage Company 1.1k loans across 2k 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
Strong
FHA · Conventional · VA · Jumbo
Place
Strong
Single State · 6 mkts
Safe Rate AwardsVA Superstar

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA and Jumbo loans

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,105)

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Report Card

Crestmark Mortgage Company, Ltd. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
Rates 13.6 bps below market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
Jumbo
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Single State6 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Acceptable
Sound
79270.5%
-0.146%Below
$4,417Fees
FHA Loans
Sound
Strong
Acceptable
Strong
14112.5%
+0.589%Above
$4,638Fees
VA Loans
Strong
Strong
Exceptional
Strong
17015.1%
-0.673%Below
$1,366Fees
Jumbo Loans
Strong
Strong
Strong
211.9%
+0.341%Above
$2,792Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Sound
Sound
1,12399.9%
-0.137%Below
$4,103Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,124
Applications
1,502
Volume
$532 million
Pricing & Closing
Avg Rate Spread
-0.136%
vs. market APOR
Avg Net Fees
$4,105
Origination − Credits
Pullthrough Rate
74.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$473,986
Avg Borrower Income
$189,976
Avg Property Value
$582,180

Geographic Coverage

Geographic Performance

Metro Areas
6
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

TX

Top Metro Areas by Place Specialization Score

1
Houston, TXMSA
Volume: 487Mix: 43.33%of portfolio
Place
Exceptional
2
San Antonio, TXMSA
Volume: 261Mix: 23.22%of portfolio
Place
Strong
3
Austin, TXMSA
Volume: 121Mix: 10.77%of portfolio
Place
Strong
4
Dallas, TXMSA
Volume: 180Mix: 16.01%of portfolio
Place
Strong
5
Fort Worth, TXMSA
Volume: 63Mix: 5.60%of portfolio
Place
Strong
6
Sherman, TXMSA
Volume: 11Mix: 0.98%of portfolio
Place
Sound

Top States by Place Specialization Score

1
TXState
Volume: 1,124Mix: 100.00%of portfolio
Place
Exceptional

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.