What loan types does LBS Financial offer?

LBS Financial offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does LBS Financial offer mortgages?

LBS Financial offers mortgages in 1 states: CA.

How competitive are LBS Financial's mortgage rates?

LBS Financial has an overall pricing score of 87.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is LBS Financial?

LBS Financial is a Credit Union headquartered in Westminster, CA.

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LBS Financial

Credit Union•Westminster, CAHQ•Direct•Reviews near you on Google

LBS Financial has 37 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Sound

3/5

Single State · 1 mkts

Summary

What They Do Well

Offers rates 38.00 basis points below market average
Lower than average lender fees

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Report Card

LBS Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 38.0 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Mediocre

Bottom 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Mediocre

Bottom 20% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 1 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	Sound	Mediocre	Exceptional	Acceptable	37	100.0%	-0.380%Below	$1,083Fees

Conventional

Overall

Sound

Product

Mediocre

Pricing

Exceptional

Pull Through

Acceptable

Volume37

Mix100.0%

Spread

-0.380%Below

Fees

$1,083Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Mediocre	—	Acceptable	21	56.8%	-0.432%Below	$965Fees
Refinance	Acceptable	Acceptable	—	Sound	16	43.2%	-0.310%Below	$1,242Fees

Purchase

Overall

Acceptable

Product

Mediocre

Pricing—

Pull Through

Acceptable

Volume21

Mix56.8%

Spread

-0.432%Below

Fees

$965Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume16

Mix43.2%

Spread

-0.310%Below

Fees

$1,242Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$16 million

Pricing & Closing

Avg Rate Spread

-0.380%

vs. market APOR

Avg Net Fees

$1,083

Origination − Credits

Pullthrough Rate

72.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$447,973

Avg Borrower Income

$155,270

Avg Property Value

$777,973

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

West1

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 26Mix 70.27% of portfolio

60/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 37Mix 100.00% of portfolio

57/100

Sound

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.