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Parkstone Mortgage

Independent Mortgage CompanyHouston, TXHQDirectReviews near you on Google

We analyzed every closed loan from Parkstone Mortgage 1.1k loans across 2k 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
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Single State · 5 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 58.10 basis points below market average
  • Lower than average lender fees
  • Particularly strong in Conventional and FHA and VA loans

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Report Card

Parkstone Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 58.1 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% 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 · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Acceptable
Volume708
Mix66.7%
Spread
-0.576%Below
Fees
$972Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume156
Mix14.7%
Spread
-0.196%Below
Fees
$804Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume198
Mix18.6%
Spread
-0.934%Below
Fees
$1,208Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume1,062
Mix100.0%
Spread
-0.581%Below
Fees
$989Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,062
Applications
1,611
Volume
$483 million
Pricing & Closing
Avg Rate Spread
-0.581%
vs. market APOR
Avg Net Fees
$989
Origination − Credits
Pullthrough Rate
65.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$454,812
Avg Borrower Income
$176,688
Avg Property Value
$544,331

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

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

Top Metro Areas by Place Specialization Score

Volume 276Mix 25.99% of portfolio
84/100
Exceptional
2© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 316Mix 29.76% of portfolio
80/100
Strong
Volume 340Mix 32.02% of portfolio
79/100
Strong
Volume 72Mix 6.78% of portfolio
61/100
Strong

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 1,062Mix 100.00% of portfolio
84/100
Exceptional

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.