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STANDARD MORTGAGE CORPORATION
Independent Mortgage Company|BATON ROUGE, LA|Multi-Region
Loans Originated
422
Applications
637
Volume
$117 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.010%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,798
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
66.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 1.00 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and FHA and VA loans
Report Card
STANDARD MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 8 metro areas · 13 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$278,365
Average Borrower Income
$137,386
Average Property Value
$375,308
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 313 | 74.2% | -0.007% | $1,793 |
FHA Loans | Strong | Strong | Exceptional | Sound | 80 | 19.0% | +0.132% | $1,674 |
VA Loans | Strong | Strong | N/A | Strong | 22 | 5.2% | -0.479% | $2,125 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Sound | 302 | 71.6% | -0.021% | $1,752 |
Refinance | Strong | Strong | Strong | Strong | 120 | 28.4% | +0.017% | $1,915 |
Geographic Coverage
Metro Areas
7
States Served
13
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARCOFLGALAMOMSNCSCTNTXVA
Top Metro Areas by Place Specialization Score
1
Shreveport, LAMSA
Volume: 62Mix: 14.69%
Place Specialization
Strong
2
Slidell, LAMSA
Volume: 63Mix: 14.93%
Place Specialization
Strong
3
New Orleans, LAMSA
Volume: 79Mix: 18.72%
Place Specialization
Strong
4
Lafayette, LA, LAMSA
Volume: 67Mix: 15.88%
Place Specialization
Strong
5
Baton Rouge, LA, LAMSA
Volume: 32Mix: 7.58%
Place Specialization
Sound
6
Hammond, LA, LAMSA
Volume: 12Mix: 2.84%
Place Specialization
Sound
7
Alexandria, LA, LAMSA
Volume: 15Mix: 3.55%
Place Specialization
Sound
Top States by Place Specialization Score
1
LAState
Volume: 361Mix: 85.55%
Place Specialization
Exceptional
2
MSState
Volume: 15Mix: 3.55%
Place Specialization
Sound
3
TXState
Volume: 20Mix: 4.74%
Place Specialization
Sound
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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