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LENOX FINANCIAL MORTGAGE CORPORATION
Independent Mortgage Company|SANTA ANA, CA|National
Loans Originated
1,693
Applications
3,857
Volume
$776 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Exceptional
Overall Pull Through
Acceptable
Safe Rate Awards⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.163%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$425
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
43.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 16.30 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
LENOX FINANCIAL MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Acceptable | Near industry average | |
VA | Sound | Industry Standard | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 41 metro areas · 48 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$458,385
Average Borrower Income
$197,475
Average Property Value
$668,946
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Exceptional | Acceptable | 1,619 | 95.6% | -0.155% | $453 |
FHA Loans | Acceptable | Acceptable | Exceptional | Mediocre | 27 | 1.6% | +0.034% | $101 |
VA Loans | Acceptable | Sound | Exceptional | Mediocre | 31 | 1.8% | -0.731% | -$354 |
Jumbo Loans | Acceptable | Sound | N/A | Mediocre | 16 | 0.9% | +0.030% | -$71 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Exceptional | Mediocre | 936 | 55.3% | -0.129% | $661 |
Refinance | Strong | Strong | Exceptional | Sound | 757 | 44.7% | -0.206% | $127 |
Geographic Coverage
Metro Areas
40
States Served
48
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Charlotte, NC-SCMSA
Volume: 53Mix: 3.13%
Place Specialization
Sound
2
Dallas, TXMSA
Volume: 54Mix: 3.19%
Place Specialization
Sound
3
Seattle, WAMSA
Volume: 39Mix: 2.30%
Place Specialization
Sound
4
Atlanta, GAMSA
Volume: 46Mix: 2.72%
Place Specialization
Sound
5
Raleigh, NCMSA
Volume: 34Mix: 2.01%
Place Specialization
Sound
6
Arlington, VA-WVMSA
Volume: 38Mix: 2.24%
Place Specialization
Sound
7
Portland, OR-WAMSA
Volume: 34Mix: 2.01%
Place Specialization
Sound
8
Nashville, TNMSA
Volume: 32Mix: 1.89%
Place Specialization
Sound
9
Houston, TXMSA
Volume: 43Mix: 2.54%
Place Specialization
Sound
10
Austin, TXMSA
Volume: 30Mix: 1.77%
Place Specialization
Sound
Showing 10 of 40 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 177Mix: 10.45%
Place Specialization
Strong
2
WAState
Volume: 88Mix: 5.20%
Place Specialization
Strong
3
NCState
Volume: 121Mix: 7.15%
Place Specialization
Strong
4
VAState
Volume: 76Mix: 4.49%
Place Specialization
Sound
5
GAState
Volume: 86Mix: 5.08%
Place Specialization
Sound
6
CAState
Volume: 132Mix: 7.80%
Place Specialization
Sound
7
NJState
Volume: 65Mix: 3.84%
Place Specialization
Sound
8
FLState
Volume: 116Mix: 6.85%
Place Specialization
Sound
9
TNState
Volume: 63Mix: 3.72%
Place Specialization
Sound
10
COState
Volume: 60Mix: 3.54%
Place Specialization
Sound
Showing 10 of 32 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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