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RADIUS FINANCIAL GROUP INC.
Independent Mortgage Company|NORWELL, MA|Multi-Region
Loans Originated
1,422
Applications
1,817
Volume
$536 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.498%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,276
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
78.3%
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 and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
RADIUS FINANCIAL GROUP INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
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 | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 22 metro areas · 24 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$377,110
Average Borrower Income
$161,403
Average Property Value
$505,872
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 1,001 | 70.4% | +0.446% | $3,152 |
FHA Loans | Sound | Strong | Mediocre | Strong | 303 | 21.3% | +0.831% | $3,951 |
VA Loans | Sound | Strong | Acceptable | Strong | 71 | 5.0% | -0.120% | $3,251 |
Jumbo Loans | Sound | Strong | Sound | Sound | 27 | 1.9% | +0.540% | $1,900 |
USDA Loans | Strong | Strong | N/A | Strong | 20 | 1.4% | +0.871% | $2,410 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 1,271 | 89.4% | +0.495% | $3,273 |
Refinance | Sound | Strong | Acceptable | Sound | 151 | 10.6% | +0.516% | $3,303 |
Geographic Coverage
Metro Areas
21
States Served
24
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
Boston, MA, MAMSA
Volume: 253Mix: 17.79%
Place Specialization
Exceptional
2
York, PAMSA
Volume: 161Mix: 11.32%
Place Specialization
Strong
3
Worcester, MA, MAMSA
Volume: 72Mix: 5.06%
Place Specialization
Strong
4
Springfield, MA, MAMSA
Volume: 54Mix: 3.80%
Place Specialization
Strong
5
Harrisburg, PAMSA
Volume: 51Mix: 3.59%
Place Specialization
Strong
6
Cambridge, MAMSA
Volume: 92Mix: 6.47%
Place Specialization
Strong
7
Providence, RI-MAMSA
Volume: 64Mix: 4.50%
Place Specialization
Strong
8
Baltimore, MDMSA
Volume: 58Mix: 4.08%
Place Specialization
Sound
9
Barnstable Town, MA, MAMSA
Volume: 36Mix: 2.53%
Place Specialization
Sound
10
Rockingham County, NHMSA
Volume: 28Mix: 1.97%
Place Specialization
Sound
Showing 10 of 21 metro areas
Top States by Place Specialization Score
1
MAState
Volume: 570Mix: 40.08%
Place Specialization
Exceptional
2
PAState
Volume: 327Mix: 23.00%
Place Specialization
Strong
3
NHState
Volume: 61Mix: 4.29%
Place Specialization
Strong
4
MDState
Volume: 94Mix: 6.61%
Place Specialization
Strong
5
GAState
Volume: 68Mix: 4.78%
Place Specialization
Sound
6
FLState
Volume: 92Mix: 6.47%
Place Specialization
Sound
7
NCState
Volume: 60Mix: 4.22%
Place Specialization
Sound
8
MEState
Volume: 20Mix: 1.41%
Place Specialization
Sound
9
RIState
Volume: 17Mix: 1.20%
Place Specialization
Sound
10
SCState
Volume: 22Mix: 1.55%
Place Specialization
Sound
Showing 10 of 13 states
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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