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TOTAL QUALITY FINANCIAL, INC.
Independent Mortgage Company|Tustin, CA|Multi-Region
Loans Originated
163
Applications
357
Volume
$45 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.783%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,514
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
45.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Rates typically 78 basis points above market average
- Pull through efficiency is below industry average
Report Card
TOTAL QUALITY FINANCIAL, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 2 metro areas · 20 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$280,276
Average Borrower Income
$223,472
Average Property Value
$383,466
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Mediocre | Acceptable | 147 | 90.2% | +0.888% | $3,276 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Mediocre | Acceptable | 118 | 72.4% | +0.935% | $3,813 |
Refinance | Acceptable | Acceptable | N/A | Acceptable | 45 | 27.6% | +0.370% | -$1,027 |
Geographic Coverage
Metro Areas
1
States Served
20
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALAZCACOCTFLGAIDINMIMNMONCOHOKORSCTNTXVA
Top Metro Areas by Place Specialization Score
1
Indianapolis, INMSA
Volume: 39Mix: 23.93%
Place Specialization
Strong
Top States by Place Specialization Score
1
INState
Volume: 43Mix: 26.38%
Place Specialization
Sound
2
FLState
Volume: 18Mix: 11.04%
Place Specialization
Sound
3
NCState
Volume: 13Mix: 7.98%
Place Specialization
Sound
4
OHState
Volume: 12Mix: 7.36%
Place Specialization
Sound
5
TXState
Volume: 16Mix: 9.82%
Place Specialization
Sound
6
CAState
Volume: 11Mix: 6.75%
Place Specialization
Sound
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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