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CUSO MORTGAGE CORPORATION
Independent Mortgage Company|PORTLAND, ME|Regional
Loans Originated
257
Applications
456
Volume
$73 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.282%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,618
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
56.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and VA and USDA loans
Report Card
CUSO MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Regional · 4 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$284,066
Average Borrower Income
$132,922
Average Property Value
$371,887
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 202 | 78.6% | +0.435% | $1,689 |
FHA Loans | Strong | Sound | Exceptional | Sound | 27 | 10.5% | -0.003% | $1,367 |
VA Loans | Strong | Strong | N/A | N/A | 15 | 5.8% | -0.808% | $1,536 |
USDA Loans | Sound | Strong | N/A | Sound | 12 | 4.7% | -0.399% | $1,176 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 231 | 89.9% | +0.236% | $1,596 |
Refinance | Acceptable | Sound | Acceptable | Acceptable | 26 | 10.1% | +0.670% | $1,804 |
Geographic Coverage
Metro Areas
3
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLMENH
Top Metro Areas by Place Specialization Score
1
Bangor, ME, MEMSA
Volume: 62Mix: 24.12%
Place Specialization
Strong
2
Portland, MEMSA
Volume: 53Mix: 20.62%
Place Specialization
Strong
3
Lewiston, MEMSA
Volume: 16Mix: 6.23%
Place Specialization
Sound
Top States by Place Specialization Score
1
MEState
Volume: 255Mix: 99.22%
Place Specialization
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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