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Peak Financial LLC

Independent Mortgage CompanyDenver, CODirect to Consumer

Peak Financial has 23 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pull Through
Acceptable
closing strength
Products
Mediocre
Conventional
Place
Active
Regional

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Safe Rate's Summary

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Peak Financial LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
N/A
No peer data
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Below peers
Bottom 20% of lenders
By Loan Purpose· Transaction purpose mix
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
N/A
No peer data
Regional3 states

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Mediocre
Mediocre
Acceptable
1460.9%
+0.382%Above
$4,224Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Refinance
Acceptable
Acceptable
Sound
1565.2%
+0.396%Above
$3,546Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
23
Applications
36
Volume
$9 million
Typical Borrower
Avg Loan Amount
$412,391
Avg Borrower Income
$149,261
Avg Property Value
$554,130

Geographic Coverage

Geographic Performance

Metro Areas
0
States Served
3
We count Washington DC as a state
Avg Place Specialization
N/A

States with Loan Originations

COKSWY

Top States by Place Specialization Score

1
COState
Volume: 19Mix: 82.61%of portfolio
Place
Sound

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.