# LBS FINANCIAL

> **Canonical URL:** https://saferate.com/lenders/lbs-financial

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

LBS FINANCIAL is a credit union, headquartered in Westminster, CA, with 37 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 13% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493000RV6UQ52SVTV40
- **Headquarters:** Westminster, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.380%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,083
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 37
- **Dollar Volume:** $17 million
- **Applications Received:** 51
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $447,973
- **Average Borrower Income:** $155,270

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 20/100 | 37 | -0.380% | $1,083 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 21 loans, Score: 17/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 18/100 | 21 | $11M | -0.432% | Mediocre 😐 |
| Refinance | 27/100 | 16 | $5M | -0.310% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 37 | 0.01% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 26 | 60/100 |

## Frequently Asked Questions

### What loan types does LBS FINANCIAL offer?

LBS FINANCIAL offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 87/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.380% below market average.

### What type of lender is LBS FINANCIAL?

LBS FINANCIAL is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Westminster, CA.

### What is LBS FINANCIAL's loan approval success rate?

LBS FINANCIAL has a pull-through score of 41/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/lbs-financial

### How to Cite

> "LBS FINANCIAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/lbs-financial

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