Staunton Financial
We analyzed every closed loan from Staunton Financial — 2.0k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 11 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Staunton Financial performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+33.4 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,614 | 79.4% | +0.290%Above | $1,979Fees | ||||
FHA Loans | 316 | 15.5% | +0.760%Above | $2,078Fees | ||||
VA Loans | 82 | 4.0% | -0.100%Below | $1,164Fees | ||||
Jumbo Loans | — | — | 14 | 0.7% | +0.143%Above | $2,435Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume1,614
Mix79.4%
Spread
+0.290%Above
Fees
$1,979Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume316
Mix15.5%
Spread
+0.760%Above
Fees
$2,078Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume82
Mix4.0%
Spread
-0.100%Below
Fees
$1,164Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume14
Mix0.7%
Spread
+0.143%Above
Fees
$2,435Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,868 | 91.8% | +0.342%Above | $2,018Fees | ||||
Refinance | 166 | 8.2% | +0.254%Above | $1,482Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume1,868
Mix91.8%
Spread
+0.342%Above
Fees
$2,018Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume166
Mix8.2%
Spread
+0.254%Above
Fees
$1,482Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,034
Applications
2,357
Volume
$532 million
Pricing & Closing
Avg Rate Spread
+0.334%
vs. market APOR
Avg Net Fees
$1,967
Origination − Credits
Pullthrough Rate
86.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$261,770
Avg Borrower Income
$117,309
Avg Property Value
$325,600
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Midwest3
KSMIOH
South4
ALFLNCTX
West1
CO
Top Metro Areas by Place Specialization Score
Volume 142Mix 6.98% of portfolio
100/100
Exceptional
Volume 151Mix 7.42% of portfolio
94/100
Exceptional
Volume 788Mix 38.74% of portfolio
89/100
Exceptional
Volume 424Mix 20.85% of portfolio
87/100
Exceptional
Volume 65Mix 3.20% of portfolio
85/100
Exceptional
Volume 85Mix 4.18% of portfolio
81/100
Exceptional
Volume 33Mix 1.62% of portfolio
67/100
Strong
Volume 44Mix 2.16% of portfolio
62/100
Strong
Volume 26Mix 1.28% of portfolio
60/100
Sound
Volume 25Mix 1.23% of portfolio
57/100
SoundShowing 10 of 11 metro areas
Top States by Place Specialization Score
1
MichiganState
Volume 1,989Mix 97.79% of portfolio
92/100
Exceptional2
FloridaState
Volume 16Mix 0.79% of portfolio
36/100
Acceptable3
North CarolinaState
Volume 11Mix 0.54% of portfolio
36/100
AcceptableHow 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.