What loan types does POINT MORTGAGE CORPORATION offer?

POINT MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does POINT MORTGAGE CORPORATION offer mortgages?

POINT MORTGAGE CORPORATION offers mortgages in 22 states: AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, MI, MN, MT, NC, NM, OK, PA, TN, TX, VA, WA, WI.

How competitive are POINT MORTGAGE CORPORATION's mortgage rates?

POINT MORTGAGE CORPORATION has an overall pricing score of 40.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is POINT MORTGAGE CORPORATION?

POINT MORTGAGE CORPORATION is a Independent Mortgage Company headquartered in Coral Gables, FL.

Unclaimed

Point Mortgage Corporation

Independent Mortgage Company•Coral Gables, FL•Direct to Consumer

We analyzed every closed loan from Point Mortgage — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo

Place

Sound

Multi-Region · 17 mkts

Safe Rate Awards⭐Conventional Superstar⭐VA Superstar

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Safe Rate's Summary

What They Do Well

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

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Report Card

Point Mortgage Corporation performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +31.0 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional18 markets

Loan Product Performance

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%Above	$2,440Fees
FHA Loans	Sound	Strong	Acceptable	Strong	241	22.2%	+0.669%Above	$3,163Fees
VA Loans	Strong	Strong	Sound	Exceptional	88	8.1%	-0.403%Below	$2,185Fees
Jumbo Loans	Sound	Sound	—	Sound	12	1.1%	+0.124%Above	$205Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Strong	987	90.7%	+0.351%Above	$2,651Fees
Refinance	Sound	Sound	Strong	Sound	101	9.3%	-0.040%Below	$1,892Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,088

Applications

1,482

Volume

$427 million

Pricing & Closing

Avg Rate Spread

+0.310%

vs. market APOR

Avg Net Fees

$2,572

Origination − Credits

Pullthrough Rate

73.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$393,171

Avg Borrower Income

$150,944

Avg Property Value

$491,140

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCACOFLGAILINKSKYMIMNMTNCNMOKPATNTXVAWAWI

Top Metro Areas by Place Specialization Score

San Diego, CAMSA

Volume: 207Mix: 19.03%of portfolio

Place

Strong

Chicago, ILMSA

Volume: 206Mix: 18.93%of portfolio

Place

Strong

Elgin, IL, ILMSA

Volume: 60Mix: 5.51%of portfolio

Place

Strong

Bakersfield, CAMSA

Volume: 70Mix: 6.43%of portfolio

Place

Strong

Miami, FLMSA

Volume: 97Mix: 8.92%of portfolio

Place

Strong

Champaign, ILMSA

Volume: 42Mix: 3.86%of portfolio

Place

Strong

Bloomington, IL, ILMSA

Volume: 48Mix: 4.41%of portfolio

Place

Strong

Fort Lauderdale, FLMSA

Volume: 50Mix: 4.60%of portfolio

Place

Sound

Riverside, CAMSA

Volume: 33Mix: 3.03%of portfolio

Place

Sound

Appleton, WI, WIMSA

Volume: 19Mix: 1.75%of portfolio

Place

Sound

Showing 10 of 17 metro areas

Top States by Place Specialization Score

ILState

Volume: 410Mix: 37.68%of portfolio

Place

Strong

CAState

Volume: 325Mix: 29.87%of portfolio

Place

Strong

FLState

Volume: 233Mix: 21.42%of portfolio

Place

Strong

WIState

Volume: 51Mix: 4.69%of portfolio

Place

Sound

INState

Volume: 36Mix: 3.31%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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.