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Sibcy Cline Mortgage Services

Independent Mortgage CompanyCincinnati, OHHQDirectReviews near you on Google

Sibcy Cline Mortgage Services has 175 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 2 mkts

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

Sibcy Cline Mortgage Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+20.7 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
Sound
Top 60% of lenders
VA
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
Regional · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume146
Mix83.4%
Spread
+0.198%Above
Fees
$1,488Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume17
Mix9.7%
Spread
+0.459%Above
Fees
$1,379Fees
VA Loans
Overall
Sound
Product
Sound
Pricing
Pull Through
Volume11
Mix6.3%
Spread
-0.113%Below
Fees
$2,037Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume165
Mix94.3%
Spread
+0.226%Above
Fees
$1,374Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Volume10
Mix5.7%
Spread
-0.081%Below
Fees
$3,419Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
175
Applications
241
Volume
$49 million
Pricing & Closing
Avg Rate Spread
+0.207%
vs. market APOR
Avg Net Fees
$1,499
Origination − Credits
Pullthrough Rate
72.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$283,171
Avg Borrower Income
$136,137
Avg Property Value
$351,286

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
INOH
South1
KY

Top Metro Areas by Place Specialization Score

Volume 161Mix 92.00% of portfolio
82/100
Exceptional
Volume 10Mix 5.71% of portfolio
44/100
Sound

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 154Mix 88.00% of portfolio
71/100
Strong
Kentucky
Kentucky
2
KentuckyState
Volume 19Mix 10.86% of portfolio
50/100
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.