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M2 LENDING SOLUTIONS, LLC
Independent Mortgage Company|Denver, CO|Single State
Loans Originated
244
Applications
299
Volume
$123 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.196%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,258
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
M2 LENDING SOLUTIONS, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Exceptional | Single State · 1 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$505,574
Average Borrower Income
$148,504
Average Property Value
$621,352
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Sound | 188 | 77.0% | +0.097% | $1,899 |
FHA Loans | Strong | Strong | Sound | Strong | 52 | 21.3% | +0.511% | $3,447 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 222 | 91.0% | +0.220% | $2,353 |
Refinance | Sound | Acceptable | N/A | Strong | 22 | 9.0% | -0.054% | $1,258 |
Geographic Coverage
Metro Areas
1
States Served
1
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
CO
Top Metro Areas by Place Specialization Score
1
Denver, COMSA
Volume: 225Mix: 92.21%
Place Specialization
Exceptional
Top States by Place Specialization Score
1
COState
Volume: 244Mix: 100.00%
Place Specialization
Strong
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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