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Pinnacle Mortgage

Independent Mortgage Company•East Hanover, NJHQ•Direct•Reviews near you on Google

Pinnacle Mortgage has 296 closed loans in our dataset — fully analyzed and benchmarked against peers 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
Sound
3/5
FHA · Conventional
Place
Strong
4/5
Regional · 5 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

Pinnacle Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+2.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume250
Mix84.5%
Spread
-0.032%Below
Fees
$1,004Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Exceptional
Volume35
Mix11.8%
Spread
+0.416%Above
Fees
$455Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume251
Mix84.8%
Spread
+0.027%Above
Fees
$932Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume45
Mix15.2%
Spread
+0.025%Above
Fees
$953Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
296
Applications
296
Volume
$142 million
Pricing & Closing
Avg Rate Spread
+0.027%
vs. market APOR
Avg Net Fees
$935
Origination − Credits
Pullthrough Rate
100.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$480,980
Avg Borrower Income
$247,152
Avg Property Value
$699,730

Geographic Coverage

Geographic Performance

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

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NJPA
South2
FLSC

Top Metro Areas by Place Specialization Score

1© Gamezilla2019 · CC BY 4.0
Newark, NJMetro
Volume 56Mix 18.92% of portfolio
68/100
Strong
2© Mr. Matté · CC BY-SA 4.0
Lakewood, NJMetro
Volume 63Mix 21.28% of portfolio
68/100
Strong
3© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 76Mix 25.68% of portfolio
66/100
Strong
4© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 43Mix 14.53% of portfolio
64/100
Strong
5© Gary Miotla · CC BY 3.0
Camden, NJMetro
Volume 17Mix 5.74% of portfolio
50/100
Sound

Top States by Place Specialization Score

New Jersey
New Jersey
1
New JerseyState
Volume 231Mix 78.04% of portfolio
79/100
Strong
Pennsylvania
Pennsylvania
2
PennsylvaniaState
Volume 60Mix 20.27% of portfolio
60/100
Sound

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.