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TOLL BROTHERS MORTGAGE COMPANY
Independent Mortgage Company|WILMINGTON, DE|Multi-Region
Loans Originated
4,115
Applications
7,934
Volume
$2 billion
Offers loans directly to consumersHomebuilder Lender
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.213%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,172
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
51.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Report Card
TOLL BROTHERS MORTGAGE COMPANY performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
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 | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Places Geographic coverage | Sound | Multi-Regional · 48 metro areas · 24 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$520,363
Average Borrower Income
$226,214
Average Property Value
$810,259
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 3,504 | 85.2% | +0.227% | $3,210 |
FHA Loans | Sound | Strong | Sound | Sound | 129 | 3.1% | +0.233% | $3,935 |
VA Loans | Sound | Strong | Acceptable | Sound | 264 | 6.4% | -0.342% | $2,396 |
Jumbo Loans | Acceptable | Exceptional | Mediocre | Sound | 218 | 5.3% | +0.129% | $2,549 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Sound | 4,111 | 99.9% | +0.214% | $3,183 |
Geographic Coverage
Metro Areas
48
States Served
24
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOCTDEFLGAIDILMAMDMINCNJNVNYORPASCTNTXUTVAWA
Top Metro Areas by Place Specialization Score
1
Boise City, ID, IDMSA
Volume: 410Mix: 9.96%
Place Specialization
Exceptional
2
Jacksonville, FL, FLMSA
Volume: 240Mix: 5.83%
Place Specialization
Strong
3
Reno, NV, NVMSA
Volume: 122Mix: 2.96%
Place Specialization
Strong
4
Marietta, GA, GAMSA
Volume: 150Mix: 3.65%
Place Specialization
Strong
5
Montgomery County, PAMSA
Volume: 139Mix: 3.38%
Place Specialization
Strong
6
Houston, TXMSA
Volume: 276Mix: 6.71%
Place Specialization
Strong
7
Arlington, VA-WVMSA
Volume: 168Mix: 4.08%
Place Specialization
Strong
8
Las Vegas, NVMSA
Volume: 139Mix: 3.38%
Place Specialization
Strong
9
Denver, COMSA
Volume: 192Mix: 4.67%
Place Specialization
Strong
10
Charlotte, NC-SCMSA
Volume: 147Mix: 3.57%
Place Specialization
Strong
Showing 10 of 48 metro areas
Top States by Place Specialization Score
1
IDState
Volume: 414Mix: 10.06%
Place Specialization
Strong
2
NVState
Volume: 261Mix: 6.34%
Place Specialization
Strong
3
TXState
Volume: 616Mix: 14.97%
Place Specialization
Strong
4
SCState
Volume: 230Mix: 5.59%
Place Specialization
Strong
5
FLState
Volume: 555Mix: 13.49%
Place Specialization
Strong
6
GAState
Volume: 323Mix: 7.85%
Place Specialization
Strong
7
COState
Volume: 283Mix: 6.88%
Place Specialization
Strong
8
NJState
Volume: 172Mix: 4.18%
Place Specialization
Strong
9
AZState
Volume: 202Mix: 4.91%
Place Specialization
Strong
10
VAState
Volume: 168Mix: 4.08%
Place Specialization
Strong
Showing 10 of 23 states
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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