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Stone Meadow Lending, LLC

Independent Mortgage CompanySpring, TXDirect to Consumer

Stone Meadow Lending has 320 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA
Place
Strong
Single State · 2 mkts
Safe Rate AwardsFHA Superstar

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans

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Report Card

Stone Meadow Lending, LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+30.2 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Single State2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Acceptable
Sound
9630.0%
+0.651%Above
$5,197Fees
FHA Loans
Strong
Strong
Sound
Strong
18256.9%
+0.451%Above
$2,930Fees
VA Loans
Strong
Strong
Strong
4112.8%
-0.749%Below
$11Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Sound
320100.0%
+0.302%Above
$2,797Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
320
Applications
426
Volume
$96 million
Pricing & Closing
Avg Rate Spread
+0.302%
vs. market APOR
Avg Net Fees
$2,797
Origination − Credits
Pullthrough Rate
75.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$303,094
Avg Borrower Income
$123,647
Avg Property Value
$334,375

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

TX

Top Metro Areas by Place Specialization Score

1
Houston, TXMSA
Volume: 266Mix: 83.12%of portfolio
Place
Strong
2
San Antonio, TXMSA
Volume: 52Mix: 16.25%of portfolio
Place
Strong

Top States by Place Specialization Score

1
TXState
Volume: 320Mix: 100.00%of portfolio
Place
Strong

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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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.