What loan types does ST Fin offer?

ST Fin offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does ST Fin offer mortgages?

ST Fin offers mortgages in 3 states: CA, FL, TX.

How competitive are ST Fin's mortgage rates?

ST Fin has an overall pricing score of 14.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ST Fin?

ST Fin is a Independent Mortgage Company headquartered in LAGUNA HILLS, CA.

Unclaimed

ST Fin

Independent Mortgage Company•Laguna Hills, CAHQ•Direct•Reviews near you on Google

ST Fin has 163 closed loans in our dataset — fully analyzed and benchmarked against peers 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

Place

Sound

3/5

Regional · 3 mkts

Summary

Things to Think About

Rates typically 55 basis points above market average
Higher than average fees ($5,088)

Explore another lender or local market

Report Card

ST Fin performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+55.4 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

FHA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Acceptable	Acceptable	Mediocre	Acceptable	67	41.1%	+0.417%Above	$5,299Fees
FHA Loans	Sound	Strong	Mediocre	Strong	88	54.0%	+0.653%Above	$5,211Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume67

Mix41.1%

Spread

+0.417%Above

Fees

$5,299Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume88

Mix54.0%

Spread

+0.653%Above

Fees

$5,211Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Acceptable	104	63.8%	+0.628%Above	$5,462Fees
Refinance	Sound	Sound	—	Sound	59	36.2%	+0.314%Above	$3,893Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume104

Mix63.8%

Spread

+0.628%Above

Fees

$5,462Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume59

Mix36.2%

Spread

+0.314%Above

Fees

$3,893Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

163

Applications

253

Volume

$79 million

Pricing & Closing

Avg Rate Spread

+0.554%

vs. market APOR

Avg Net Fees

$5,088

Origination − Credits

Pullthrough Rate

64.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$486,963

Avg Borrower Income

$158,497

Avg Property Value

$653,160

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

South2

FLTX

West1

Top Metro Areas by Place Specialization Score

Riverside, CAMetro

Volume 69Mix 42.33% of portfolio

67/100

Strong

Los Angeles, CAMetro

Volume 44Mix 26.99% of portfolio

61/100

Strong

Anaheim, CAMetro

Volume 13Mix 7.98% of portfolio

49/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 146Mix 89.57% of portfolio

67/100

Strong

TexasState

Volume 16Mix 9.82% of portfolio

42/100

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.

Looking for a different lender?

Are you the owner of ST Fin?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.