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TRUST MORTGAGE, CORP
Independent Mortgage Company|San Juan, PR|unknown
Loans Originated
355
Applications
495
Volume
$50 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar⭐Purchase 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
$2,418
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and USDA loans
Report Card
TRUST MORTGAGE, CORP 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 | Acceptable | Near industry average | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Varies · 2 metro areas · 0 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$142,718
Average Borrower Income
$54,668
Average Property Value
$168,775
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | N/A | Sound | 38 | 10.7% | +1.747% | $2,776 |
FHA Loans | Strong | Strong | Strong | Exceptional | 245 | 69.0% | +0.296% | $2,397 |
VA Loans | Sound | Sound | N/A | N/A | 11 | 3.1% | -0.598% | $1,727 |
USDA Loans | Exceptional | Exceptional | N/A | Exceptional | 61 | 17.2% | +0.375% | $2,742 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 345 | 97.2% | +0.337% | $2,379 |
Refinance | Acceptable | Acceptable | N/A | N/A | 10 | 2.8% | +0.283% | $3,116 |
Geographic Coverage
Metro Areas
2
States Served
0
We count Washington DC as a state
Avg Place Specialization
Strong
Top Metro Areas by Place Specialization Score
1
San Juan, PRMSA
Volume: 317Mix: 89.30%
Place Specialization
Exceptional
2
Arecibo, PR, PRMSA
Volume: 19Mix: 5.35%
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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