Endeavor Capital
We analyzed every closed loan from Endeavor Capital — 1.8k loans across 3k 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
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 24 mkts
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Endeavor Capital performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+42.4 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 25 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 | 788 | 44.2% | +0.367%Above | $2,476Fees | ||||
FHA Loans | 862 | 48.4% | +0.532%Above | $3,021Fees | ||||
VA Loans | 124 | 7.0% | -0.054%Below | $1,163Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume788
Mix44.2%
Spread
+0.367%Above
Fees
$2,476Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume862
Mix48.4%
Spread
+0.532%Above
Fees
$3,021Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume124
Mix7.0%
Spread
-0.054%Below
Fees
$1,163Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 832 | 46.7% | +0.427%Above | $1,897Fees | ||||
Refinance | 950 | 53.3% | +0.423%Above | $3,244Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume832
Mix46.7%
Spread
+0.427%Above
Fees
$1,897Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume950
Mix53.3%
Spread
+0.423%Above
Fees
$3,244Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,782
Applications
3,127
Volume
$394 million
Pricing & Closing
Avg Rate Spread
+0.424%
vs. market APOR
Avg Net Fees
$2,670
Origination − Credits
Pullthrough Rate
57.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$221,611
Avg Borrower Income
$102,067
Avg Property Value
$287,076
Geographic Coverage
Geographic Performance
Metro Areas
24
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
16Midwest7
IAILINKSMOOHWI
South8
ALARFLGAKYOKTNTX
West1
CO
Top Metro Areas by Place Specialization Score
Volume 596Mix 33.45% of portfolio
90/100
Exceptional
Volume 222Mix 12.46% of portfolio
74/100
Strong
Volume 37Mix 2.08% of portfolio
55/100
Sound
Volume 35Mix 1.96% of portfolio
54/100
Sound
Volume 18Mix 1.01% of portfolio
54/100
Sound
Volume 30Mix 1.68% of portfolio
53/100
Sound
Volume 30Mix 1.68% of portfolio
52/100
Sound
Volume 32Mix 1.80% of portfolio
52/100
Sound
Volume 30Mix 1.68% of portfolio
49/100
Sound
Volume 20Mix 1.12% of portfolio
48/100
SoundShowing 10 of 24 metro areas
Top States by Place Specialization Score
1
MissouriState
Volume 531Mix 29.80% of portfolio
79/100
Strong2
IllinoisState
Volume 331Mix 18.57% of portfolio
74/100
Strong3
KansasState
Volume 148Mix 8.31% of portfolio
74/100
Strong4
OhioState
Volume 164Mix 9.20% of portfolio
65/100
Strong5
KentuckyState
Volume 77Mix 4.32% of portfolio
62/100
Strong6
IndianaState
Volume 111Mix 6.23% of portfolio
61/100
Strong7
WisconsinState
Volume 71Mix 3.98% of portfolio
58/100
Sound8
IowaState
Volume 64Mix 3.59% of portfolio
57/100
Sound9
GeorgiaState
Volume 74Mix 4.15% of portfolio
56/100
Sound10
AlabamaState
Volume 45Mix 2.53% of portfolio
55/100
SoundShowing 10 of 16 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.