What loan types does STAUNTON FINANCIAL, INC. offer?

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

Where does STAUNTON FINANCIAL, INC. offer mortgages?

STAUNTON FINANCIAL, INC. offers mortgages in 8 states: AL, CO, FL, KS, MI, NC, OH, TX.

How competitive are STAUNTON FINANCIAL, INC.'s mortgage rates?

STAUNTON FINANCIAL, INC. has an overall pricing score of 45.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is STAUNTON FINANCIAL, INC.?

STAUNTON FINANCIAL, INC. is a Independent Mortgage Company headquartered in SOUTHFIELD, MI.

Unclaimed

Staunton Financial, Inc.

Independent Mortgage Company•SOUTHFIELD, MI•Direct to Consumer

We analyzed every closed loan from Staunton Financial — 2.0k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Exceptional

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo

Place

Strong

Multi-Region · 11 mkts

Safe Rate Awards⭐Conventional Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar

Shopping for a Mortgage?

Save Staunton Financial or ask our AI assistant to explore your options.

Safe Rate's 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, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +33.4 bps above market avg
Pull Through Closing strength	Exceptional	Market Leader Top 20% of lenders
By Loan Product· Specialization by type
Conventional	Exceptional	Market Leader Top 20% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Exceptional	Market Leader Top 20% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Strong	Highly Competitive Top 40% of lenders Multi-Regional12 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Sound	Exceptional	1,614	79.4%	+0.290%Above	$1,979Fees
FHA Loans	Sound	Strong	Acceptable	Exceptional	316	15.5%	+0.760%Above	$2,078Fees
VA Loans	Strong	Strong	Sound	Strong	82	4.0%	-0.100%Below	$1,164Fees
Jumbo Loans	Strong	Strong	—	—	14	0.7%	+0.143%Above	$2,435Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Sound	Exceptional	1,868	91.8%	+0.342%Above	$2,018Fees
Refinance	Strong	Strong	Strong	Strong	166	8.2%	+0.254%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

ALCOFLKSMINCOHTX

Top Metro Areas by Place Specialization Score

Bay City, MI, MIMSA

Volume: 142Mix: 6.98%of portfolio

Place

Exceptional

Ann Arbor, MI, MIMSA

Volume: 151Mix: 7.42%of portfolio

Place

Exceptional

Warren, MIMSA

Volume: 788Mix: 38.74%of portfolio

Place

Exceptional

Detroit, MIMSA

Volume: 424Mix: 20.85%of portfolio

Place

Exceptional

Midland, MI, MIMSA

Volume: 65Mix: 3.20%of portfolio

Place

Exceptional

Saginaw, MI, MIMSA

Volume: 85Mix: 4.18%of portfolio

Place

Exceptional

Jackson, MI, MIMSA

Volume: 33Mix: 1.62%of portfolio

Place

Strong

Flint, MI, MIMSA

Volume: 44Mix: 2.16%of portfolio

Place

Strong

Monroe, MI, MIMSA

Volume: 26Mix: 1.28%of portfolio

Place

Sound

Traverse City, MI, MIMSA

Volume: 25Mix: 1.23%of portfolio

Place

Sound

Showing 10 of 11 metro areas

Top States by Place Specialization Score

MIState

Volume: 1,989Mix: 97.79%of portfolio

Place

Exceptional

FLState

Volume: 16Mix: 0.79%of portfolio

Place

Acceptable

NCState

Volume: 11Mix: 0.54%of portfolio

Place

Acceptable

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 Staunton Financial, Inc.?

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

Claim this Profile

The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.