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Radius Financial Group Inc.

Independent Mortgage CompanyNORWELL, MADirect to Consumer

We analyzed every closed loan from Radius Financial Group 1.4k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
Multi-Region · 21 mkts

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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

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Report Card

Radius Financial Group Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+49.8 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
Strong
Highly Competitive
Top 40% of lenders
USDA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional22 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Strong
Acceptable
Strong
1,00170.4%
+0.446%Above
$3,152Fees
FHA Loans
Sound
Strong
Mediocre
Strong
30321.3%
+0.831%Above
$3,951Fees
VA Loans
Sound
Strong
Acceptable
Strong
715.0%
-0.120%Below
$3,251Fees
Jumbo Loans
Sound
Strong
Sound
Sound
271.9%
+0.540%Above
$1,900Fees
USDA Loans
Strong
Strong
Strong
201.4%
+0.871%Above
$2,410Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Acceptable
Strong
1,27189.4%
+0.495%Above
$3,273Fees
Refinance
Sound
Strong
Acceptable
Sound
15110.6%
+0.516%Above
$3,303Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,422
Applications
1,817
Volume
$536 million
Pricing & Closing
Avg Rate Spread
+0.498%
vs. market APOR
Avg Net Fees
$3,276
Origination − Credits
Pullthrough Rate
78.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$377,110
Avg Borrower Income
$161,403
Avg Property Value
$505,872

Geographic Coverage

Geographic Performance

Metro Areas
21
States Served
24
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

ALAZCACOCTDEFLGAMAMDMEMINCNHNJORPARISCTNTXVAVTWV

Top Metro Areas by Place Specialization Score

1
Boston, MA, MAMSA
Volume: 253Mix: 17.79%of portfolio
Place
Exceptional
2
York, PAMSA
Volume: 161Mix: 11.32%of portfolio
Place
Strong
3
Worcester, MA, MAMSA
Volume: 72Mix: 5.06%of portfolio
Place
Strong
4
Springfield, MA, MAMSA
Volume: 54Mix: 3.80%of portfolio
Place
Strong
5
Harrisburg, PAMSA
Volume: 51Mix: 3.59%of portfolio
Place
Strong
6
Cambridge, MAMSA
Volume: 92Mix: 6.47%of portfolio
Place
Strong
7
Providence, RI-MAMSA
Volume: 64Mix: 4.50%of portfolio
Place
Strong
8
Baltimore, MDMSA
Volume: 58Mix: 4.08%of portfolio
Place
Sound
9
Barnstable Town, MA, MAMSA
Volume: 36Mix: 2.53%of portfolio
Place
Sound
10
Rockingham County, NHMSA
Volume: 28Mix: 1.97%of portfolio
Place
Sound
Showing 10 of 21 metro areas

Top States by Place Specialization Score

1
MAState
Volume: 570Mix: 40.08%of portfolio
Place
Exceptional
2
PAState
Volume: 327Mix: 23.00%of portfolio
Place
Strong
3
NHState
Volume: 61Mix: 4.29%of portfolio
Place
Strong
4
MDState
Volume: 94Mix: 6.61%of portfolio
Place
Strong
5
GAState
Volume: 68Mix: 4.78%of portfolio
Place
Sound
6
FLState
Volume: 92Mix: 6.47%of portfolio
Place
Sound
7
NCState
Volume: 60Mix: 4.22%of portfolio
Place
Sound
8
MEState
Volume: 20Mix: 1.41%of portfolio
Place
Sound
9
RIState
Volume: 17Mix: 1.20%of portfolio
Place
Sound
10
SCState
Volume: 22Mix: 1.55%of portfolio
Place
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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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.