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STAUNTON FINANCIAL, INC.
Independent Mortgage Company|SOUTHFIELD, MI|Multi-Region
Loans Originated
2,034
Applications
2,357
Volume
$532 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.334%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,967
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
86.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
STAUNTON FINANCIAL, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 12 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$261,770
Average Borrower Income
$117,309
Average Property Value
$325,600
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% | $1,979 |
FHA Loans | Sound | Strong | Acceptable | Exceptional | 316 | 15.5% | +0.760% | $2,078 |
VA Loans | Strong | Strong | Sound | Strong | 82 | 4.0% | -0.100% | $1,164 |
Jumbo Loans | Strong | Strong | N/A | N/A | 14 | 0.7% | +0.143% | $2,435 |
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% | $2,018 |
Refinance | Strong | Strong | Strong | Strong | 166 | 8.2% | +0.254% | $1,482 |
Geographic Coverage
Metro Areas
11
States Served
8
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Bay City, MI, MIMSA
Volume: 142Mix: 6.98%
Place Specialization
Exceptional
2
Ann Arbor, MI, MIMSA
Volume: 151Mix: 7.42%
Place Specialization
Exceptional
3
Warren, MIMSA
Volume: 788Mix: 38.74%
Place Specialization
Exceptional
4
Detroit, MIMSA
Volume: 424Mix: 20.85%
Place Specialization
Exceptional
5
Midland, MI, MIMSA
Volume: 65Mix: 3.20%
Place Specialization
Exceptional
6
Saginaw, MI, MIMSA
Volume: 85Mix: 4.18%
Place Specialization
Exceptional
7
Jackson, MI, MIMSA
Volume: 33Mix: 1.62%
Place Specialization
Strong
8
Flint, MI, MIMSA
Volume: 44Mix: 2.16%
Place Specialization
Strong
9
Monroe, MI, MIMSA
Volume: 26Mix: 1.28%
Place Specialization
Sound
10
Traverse City, MI, MIMSA
Volume: 25Mix: 1.23%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
MIState
Volume: 1,989Mix: 97.79%
Place Specialization
Exceptional
2
FLState
Volume: 16Mix: 0.79%
Place Specialization
Acceptable
3
NCState
Volume: 11Mix: 0.54%
Place Specialization
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)
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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