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V.I.P. MORTGAGE, INC.
Independent Mortgage Company|SCOTTSDALE, AZ|National
Loans Originated
6,501
Applications
8,212
Volume
$2 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.343%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,184
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
79.2%
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 and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
V.I.P. MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 49 metro areas · 41 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$397,564
Average Borrower Income
$161,796
Average Property Value
$510,916
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Acceptable | Exceptional | 4,130 | 63.5% | +0.336% | $3,109 |
FHA Loans | Strong | Exceptional | Acceptable | Exceptional | 1,595 | 24.5% | +0.527% | $3,473 |
VA Loans | Sound | Exceptional | Acceptable | Strong | 596 | 9.2% | -0.202% | $3,333 |
Jumbo Loans | Sound | Strong | Acceptable | Strong | 121 | 1.9% | +0.423% | $2,253 |
USDA Loans | Strong | Exceptional | Strong | Strong | 59 | 0.9% | +0.292% | $1,360 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 5,730 | 88.1% | +0.354% | $3,301 |
Refinance | Sound | Strong | Acceptable | Strong | 771 | 11.9% | +0.267% | $2,442 |
Geographic Coverage
Metro Areas
48
States Served
41
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Farmington, NM, NMMSA
Volume: 66Mix: 1.02%
Place Specialization
Exceptional
2
Phoenix, AZMSA
Volume: 1,599Mix: 24.60%
Place Specialization
Exceptional
3
Tucson, AZ, AZMSA
Volume: 506Mix: 7.78%
Place Specialization
Exceptional
4
Denver, COMSA
Volume: 837Mix: 12.87%
Place Specialization
Exceptional
5
Prescott Valley, AZMSA
Volume: 95Mix: 1.46%
Place Specialization
Strong
6
Houston, TXMSA
Volume: 506Mix: 7.78%
Place Specialization
Strong
7
Longview, WAMSA
Volume: 55Mix: 0.85%
Place Specialization
Strong
8
Colorado Springs, CO, COMSA
Volume: 152Mix: 2.34%
Place Specialization
Strong
9
Grand Junction, CO, COMSA
Volume: 60Mix: 0.92%
Place Specialization
Strong
10
Green Bay, WI, WIMSA
Volume: 69Mix: 1.06%
Place Specialization
Strong
Showing 10 of 48 metro areas
Top States by Place Specialization Score
1
AZState
Volume: 2,318Mix: 35.66%
Place Specialization
Exceptional
2
COState
Volume: 1,214Mix: 18.67%
Place Specialization
Exceptional
3
HIState
Volume: 169Mix: 2.60%
Place Specialization
Strong
4
TXState
Volume: 1,083Mix: 16.66%
Place Specialization
Strong
5
OKState
Volume: 184Mix: 2.83%
Place Specialization
Strong
6
WIState
Volume: 178Mix: 2.74%
Place Specialization
Strong
7
NMState
Volume: 87Mix: 1.34%
Place Specialization
Strong
8
ORState
Volume: 89Mix: 1.37%
Place Specialization
Strong
9
WAState
Volume: 105Mix: 1.62%
Place Specialization
Strong
10
PAState
Volume: 125Mix: 1.92%
Place Specialization
Sound
Showing 10 of 31 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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