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Endeavor Capital, Llc.

Independent Mortgage CompanyChesterfield, MODirect to Consumer

We analyzed every closed loan from Endeavor Capital 1.8k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA
Place
Sound
Multi-Region · 24 mkts

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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

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Report Card

Endeavor Capital, Llc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+42.4 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional25 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Strong
Acceptable
Sound
78844.2%
+0.367%Above
$2,476Fees
FHA Loans
Sound
Strong
Acceptable
Sound
86248.4%
+0.532%Above
$3,021Fees
VA Loans
Sound
Strong
Sound
Sound
1247.0%
-0.054%Below
$1,163Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Sound
Sound
83246.7%
+0.427%Above
$1,897Fees
Refinance
Acceptable
Strong
Mediocre
Sound
95053.3%
+0.423%Above
$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
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%of portfolio
Place
Exceptional
2
Kansas City, MO, MO-KSMSA
Volume: 222Mix: 12.46%of portfolio
Place
Strong
3
Cincinnati, OHMSA
Volume: 37Mix: 2.08%of portfolio
Place
Sound
4
Columbus, OH, OHMSA
Volume: 35Mix: 1.96%of portfolio
Place
Sound
5
St. Joseph, MO, MO-KSMSA
Volume: 18Mix: 1.01%of portfolio
Place
Sound
6
Louisville/Jefferson County, KY, KY-INMSA
Volume: 30Mix: 1.68%of portfolio
Place
Sound
7
Cleveland, OH, OHMSA
Volume: 30Mix: 1.68%of portfolio
Place
Sound
8
Indianapolis, INMSA
Volume: 32Mix: 1.80%of portfolio
Place
Sound
9
Atlanta, GAMSA
Volume: 30Mix: 1.68%of portfolio
Place
Sound
10
Des Moines, IAMSA
Volume: 20Mix: 1.12%of portfolio
Place
Sound
Showing 10 of 24 metro areas

Top States by Place Specialization Score

1
MOState
Volume: 531Mix: 29.80%of portfolio
Place
Strong
2
ILState
Volume: 331Mix: 18.57%of portfolio
Place
Strong
3
KSState
Volume: 148Mix: 8.31%of portfolio
Place
Strong
4
OHState
Volume: 164Mix: 9.20%of portfolio
Place
Strong
5
KYState
Volume: 77Mix: 4.32%of portfolio
Place
Strong
6
INState
Volume: 111Mix: 6.23%of portfolio
Place
Strong
7
WIState
Volume: 71Mix: 3.98%of portfolio
Place
Sound
8
IAState
Volume: 64Mix: 3.59%of portfolio
Place
Sound
9
GAState
Volume: 74Mix: 4.15%of portfolio
Place
Sound
10
ALState
Volume: 45Mix: 2.53%of portfolio
Place
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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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.