What loan types does Schumacher Mortgage offer?

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

Where does Schumacher Mortgage offer mortgages?

Schumacher Mortgage offers mortgages in 11 states: GA, IN, KY, LA, NC, OH, PA, SC, TN, TX, WV.

How competitive are Schumacher Mortgage's mortgage rates?

Schumacher Mortgage has an overall pricing score of 10.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Schumacher Mortgage?

Schumacher Mortgage is a Independent Mortgage Company headquartered in CAMDEN, DE.

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Schumacher Mortgage

Independent Mortgage Company•Camden, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Schumacher Mortgage — 474 loans across 574 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo

Place

Sound

3/5

Multi-Region · 15 mkts

Summary

Things to Think About

Rates typically 61 basis points above market average

Explore another lender or local market

Report Card

Schumacher Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+61.4 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

Acceptable

Bottom 40% of lenders

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 16 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	—	Sound	377	79.5%	+0.791%Above	$3,365Fees
FHA Loans	Acceptable	Acceptable	—	Acceptable	27	5.7%	+0.564%Above	$124Credit
VA Loans	Strong	Strong	—	Strong	58	12.2%	-0.277%Below	$4,629Fees
Jumbo Loans	Sound	Sound	—	—	12	2.5%	—	—

Conventional

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume377

Mix79.5%

Spread

+0.791%Above

Fees

$3,365Fees

FHA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume27

Mix5.7%

Spread

+0.564%Above

Fees

$124Credit

VA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume58

Mix12.2%

Spread

-0.277%Below

Fees

$4,629Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume12

Mix2.5%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	—	Sound	446	94.1%	+0.668%Above	$3,405Fees
Refinance	Sound	Acceptable	—	Sound	28	5.9%	+0.602%Above	$2,985Fees

Purchase

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume446

Mix94.1%

Spread

+0.668%Above

Fees

$3,405Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume28

Mix5.9%

Spread

+0.602%Above

Fees

$2,985Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

474

Applications

574

Volume

$258 million

Pricing & Closing

Avg Rate Spread

+0.614%

vs. market APOR

Avg Net Fees

$3,061

Origination − Credits

Pullthrough Rate

82.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$544,916

Avg Borrower Income

$196,831

Avg Property Value

$714,768

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast1

Midwest2

INOH

South8

GAKYLANCSCTNTXWV

Top Metro Areas by Place Specialization Score

1© 归零者 · CC BY-SA 4.0

Columbus, OHMetro

Volume 31Mix 6.54% of portfolio

56/100

Sound

2© Dan Gaken · CC BY 2.0

Pittsburgh, PAMetro

Volume 25Mix 5.27% of portfolio

54/100

Sound

3© Atlpedia · CC BY-SA 3.0

Durham, NCMetro

Volume 19Mix 4.01% of portfolio

53/100

Sound

4© DiscoA340 · CC BY-SA 4.0

Winston, NCMetro

Volume 17Mix 3.59% of portfolio

50/100

Sound

Charlotte, NC-SCMetro

Volume 21Mix 4.43% of portfolio

50/100

Sound

Charleston, SCMetro

Volume 16Mix 3.38% of portfolio

49/100

Sound

Cincinnati, OHMetro

Volume 17Mix 3.59% of portfolio

48/100

Sound

Hilton Head Island, SCMetro

Volume 12Mix 2.53% of portfolio

48/100

Sound

Columbia, SCMetro

Volume 14Mix 2.95% of portfolio

47/100

Sound

Greenville, SCMetro

Volume 12Mix 2.53% of portfolio

44/100

Sound

Showing 10 of 15 metro areas

Top States by Place Specialization Score

OhioState

Volume 173Mix 36.50% of portfolio

69/100

Strong

North CarolinaState

Volume 131Mix 27.64% of portfolio

65/100

Strong

South CarolinaState

Volume 72Mix 15.19% of portfolio

64/100

Strong

PennsylvaniaState

Volume 41Mix 8.65% of portfolio

54/100

Sound

IndianaState

Volume 14Mix 2.95% of portfolio

42/100

Sound

TennesseeState

Volume 14Mix 2.95% of portfolio

42/100

Sound

LouisianaState

Volume 11Mix 2.32% of portfolio

41/100

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.