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ENDEAVOR CAPITAL, LLC.
Independent Mortgage Company|Chesterfield, MO|Multi-Region
Loans Originated
1,782
Applications
3,127
Volume
$394 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.424%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,670
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
57.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
Report Card
ENDEAVOR CAPITAL, LLC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 25 metro areas · 16 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$221,611
Average Borrower Income
$102,067
Average Property Value
$287,076
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 788 | 44.2% | +0.367% | $2,476 |
FHA Loans | Sound | Strong | Acceptable | Sound | 862 | 48.4% | +0.532% | $3,021 |
VA Loans | Sound | Strong | Sound | Sound | 124 | 7.0% | -0.054% | $1,163 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 832 | 46.7% | +0.427% | $1,897 |
Refinance | Acceptable | Strong | Mediocre | Sound | 950 | 53.3% | +0.423% | $3,244 |
Geographic Coverage
Metro Areas
24
States Served
16
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARCOFLGAIAILINKSKYMOOHOKTNTXWI
Top Metro Areas by Place Specialization Score
1
St. Louis, MO, MO-ILMSA
Volume: 596Mix: 33.45%
Place Specialization
Exceptional
2
Kansas City, MO, MO-KSMSA
Volume: 222Mix: 12.46%
Place Specialization
Strong
3
Cincinnati, OHMSA
Volume: 37Mix: 2.08%
Place Specialization
Sound
4
Columbus, OH, OHMSA
Volume: 35Mix: 1.96%
Place Specialization
Sound
5
St. Joseph, MO, MO-KSMSA
Volume: 18Mix: 1.01%
Place Specialization
Sound
6
Louisville/Jefferson County, KY, KY-INMSA
Volume: 30Mix: 1.68%
Place Specialization
Sound
7
Cleveland, OH, OHMSA
Volume: 30Mix: 1.68%
Place Specialization
Sound
8
Indianapolis, INMSA
Volume: 32Mix: 1.80%
Place Specialization
Sound
9
Atlanta, GAMSA
Volume: 30Mix: 1.68%
Place Specialization
Sound
10
Des Moines, IAMSA
Volume: 20Mix: 1.12%
Place Specialization
Sound
Showing 10 of 24 metro areas
Top States by Place Specialization Score
1
MOState
Volume: 531Mix: 29.80%
Place Specialization
Strong
2
ILState
Volume: 331Mix: 18.57%
Place Specialization
Strong
3
KSState
Volume: 148Mix: 8.31%
Place Specialization
Strong
4
OHState
Volume: 164Mix: 9.20%
Place Specialization
Strong
5
KYState
Volume: 77Mix: 4.32%
Place Specialization
Strong
6
INState
Volume: 111Mix: 6.23%
Place Specialization
Strong
7
WIState
Volume: 71Mix: 3.98%
Place Specialization
Sound
8
IAState
Volume: 64Mix: 3.59%
Place Specialization
Sound
9
GAState
Volume: 74Mix: 4.15%
Place Specialization
Sound
10
ALState
Volume: 45Mix: 2.53%
Place Specialization
Sound
Showing 10 of 16 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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