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Mortgage Solutions of Colorado, LLC
Independent Mortgage Company•Littleton, CO•Direct to Consumer
We analyzed every closed loan from Mortgage Solutions of Colorado — 4.3k loans across 7k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Sound
National · 49 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 56 basis points above market average
Explore another lender or local market
Report Card
Mortgage Solutions of Colorado, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +56.0 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Industry Standard Top 60% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 334 | 7.7% | +0.644%Above | $4,544Fees | ||||
FHA Loans | 1,494 | 34.6% | +0.762%Above | $3,372Fees | ||||
VA Loans | 2,462 | 57.0% | +0.500%Above | $2,025Fees | ||||
USDA Loans | — | 30 | 0.7% | +1.097%Above | $2,740Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,185 | 73.7% | +1.007%Above | $1,392Fees | ||||
Refinance | 1,135 | 26.3% | -0.255%Below | $4,407Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,320
Applications
6,732
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.560%
vs. market APOR
Avg Net Fees
$2,461
Origination − Credits
Pullthrough Rate
64.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$303,516
Avg Borrower Income
$100,127
Avg Property Value
$343,887
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
46
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMDMEMIMNMOMSMTNCNDNENJNMNVOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Farmington, NM, NMMSA
Volume: 33Mix: 0.76%of portfolio
Place
Strong2
Colorado Springs, CO, COMSA
Volume: 234Mix: 5.42%of portfolio
Place
Strong3
Gulfport, MSMSA
Volume: 106Mix: 2.45%of portfolio
Place
Strong4
Killeen, TXMSA
Volume: 129Mix: 2.99%of portfolio
Place
Strong5
Pueblo, CO, COMSA
Volume: 62Mix: 1.44%of portfolio
Place
Strong6
Houston, TXMSA
Volume: 240Mix: 5.56%of portfolio
Place
Strong7
Brownsville, TXMSA
Volume: 39Mix: 0.90%of portfolio
Place
Strong8
Riverside, CAMSA
Volume: 129Mix: 2.99%of portfolio
Place
Strong9
Hinesville, GA, GAMSA
Volume: 32Mix: 0.74%of portfolio
Place
Strong10
Fayetteville, NC, NCMSA
Volume: 51Mix: 1.18%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 762Mix: 17.64%of portfolio
Place
Strong2
COState
Volume: 392Mix: 9.07%of portfolio
Place
Strong3
GAState
Volume: 286Mix: 6.62%of portfolio
Place
Strong4
MSState
Volume: 157Mix: 3.63%of portfolio
Place
Strong5
OKState
Volume: 180Mix: 4.17%of portfolio
Place
Strong6
NMState
Volume: 115Mix: 2.66%of portfolio
Place
Strong7
SCState
Volume: 146Mix: 3.38%of portfolio
Place
Strong8
ALState
Volume: 117Mix: 2.71%of portfolio
Place
Strong9
NCState
Volume: 206Mix: 4.77%of portfolio
Place
Strong10
FLState
Volume: 279Mix: 6.46%of portfolio
Place
StrongShowing 10 of 38 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.