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POINT MORTGAGE CORPORATION
Independent Mortgage Company|Coral Gables, FL|Multi-Region
Loans Originated
1,088
Applications
1,482
Volume
$427 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.310%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,572
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Report Card
POINT MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 18 metro areas · 22 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$393,171
Average Borrower Income
$150,944
Average Property Value
$491,140
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 744 | 68.4% | +0.272% | $2,440 |
FHA Loans | Sound | Strong | Acceptable | Strong | 241 | 22.2% | +0.669% | $3,163 |
VA Loans | Strong | Strong | Sound | Exceptional | 88 | 8.1% | -0.403% | $2,185 |
Jumbo Loans | Sound | Sound | N/A | Sound | 12 | 1.1% | +0.124% | $205 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 987 | 90.7% | +0.351% | $2,651 |
Refinance | Sound | Sound | Strong | Sound | 101 | 9.3% | -0.040% | $1,892 |
Geographic Coverage
Metro Areas
17
States Served
22
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
San Diego, CAMSA
Volume: 207Mix: 19.03%
Place Specialization
Strong
2
Chicago, ILMSA
Volume: 206Mix: 18.93%
Place Specialization
Strong
3
Elgin, IL, ILMSA
Volume: 60Mix: 5.51%
Place Specialization
Strong
4
Bakersfield, CAMSA
Volume: 70Mix: 6.43%
Place Specialization
Strong
5
Miami, FLMSA
Volume: 97Mix: 8.92%
Place Specialization
Strong
6
Champaign, ILMSA
Volume: 42Mix: 3.86%
Place Specialization
Strong
7
Bloomington, IL, ILMSA
Volume: 48Mix: 4.41%
Place Specialization
Strong
8
Fort Lauderdale, FLMSA
Volume: 50Mix: 4.60%
Place Specialization
Sound
9
Riverside, CAMSA
Volume: 33Mix: 3.03%
Place Specialization
Sound
10
Appleton, WI, WIMSA
Volume: 19Mix: 1.75%
Place Specialization
Sound
Showing 10 of 17 metro areas
Top States by Place Specialization Score
1
ILState
Volume: 410Mix: 37.68%
Place Specialization
Strong
2
CAState
Volume: 325Mix: 29.87%
Place Specialization
Strong
3
FLState
Volume: 233Mix: 21.42%
Place Specialization
Strong
4
WIState
Volume: 51Mix: 4.69%
Place Specialization
Sound
5
INState
Volume: 36Mix: 3.31%
Place Specialization
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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