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Neal Communities Funding

Independent Mortgage Company•Tallahassee, FLHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Neal Communities Funding — 453 loans across 561 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Exceptional
5/5
Single State · 2 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and VA loans

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Report Card

Neal Communities Funding performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+46.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 2 markets
Exceptional
Top 20% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume405
Mix89.4%
Spread
+0.480%Above
Fees
$142Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume24
Mix5.3%
Spread
+0.182%Above
Fees
$106Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume19
Mix4.2%
Spread
+0.297%Above
Fees
$1Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume453
Mix100.0%
Spread
+0.467%Above
Fees
$135Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
453
Applications
561
Volume
$164 million
Pricing & Closing
Avg Rate Spread
+0.467%
vs. market APOR
Avg Net Fees
$135
Origination − Credits
Pullthrough Rate
80.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$363,079
Avg Borrower Income
$187,781
Avg Property Value
$637,958

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
FL

Top Metro Areas by Place Specialization Score

1© Rino Landa · CC BY-SA 4.0
North Port, FLMetro
Volume 406Mix 89.62% of portfolio
100/100
Exceptional
2© P,TO 19104 · CC BY-SA 4.0
Naples, FLMetro
Volume 31Mix 6.84% of portfolio
70/100
Strong

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 453Mix 100.00% of portfolio
76/100
Strong

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.