What loan types does V.I.P. Mortgage offer?

V.I.P. Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does V.I.P. Mortgage offer mortgages?

V.I.P. Mortgage is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are V.I.P. Mortgage's mortgage rates?

V.I.P. Mortgage has an overall pricing score of 29.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is V.I.P. Mortgage?

V.I.P. Mortgage is a Independent Mortgage Company headquartered in SCOTTSDALE, AZ.

Unclaimed

V.I.P. Mortgage

Independent Mortgage Company•Scottsdale, AZHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from V.I.P. Mortgage — 6.5k loans across 8k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 48 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

V.I.P. Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+34.3 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 49 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$3,109Fees
FHA Loans	Strong	Exceptional	Acceptable	Exceptional	1,595	24.5%	+0.527%Above	$3,473Fees
VA Loans	Strong	Exceptional	Acceptable	Strong	596	9.2%	-0.202%Below	$3,333Fees
Jumbo Loans	Strong	Strong	Acceptable	Strong	121	1.9%	+0.423%Above	$2,253Fees
USDA Loans	Strong	Exceptional	Strong	Strong	59	0.9%	+0.292%Above	$1,360Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume4,130

Mix63.5%

Spread

+0.336%Above

Fees

$3,109Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume1,595

Mix24.5%

Spread

+0.527%Above

Fees

$3,473Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume596

Mix9.2%

Spread

-0.202%Below

Fees

$3,333Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume121

Mix1.9%

Spread

+0.423%Above

Fees

$2,253Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume59

Mix0.9%

Spread

+0.292%Above

Fees

$1,360Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	5,730	88.1%	+0.354%Above	$3,301Fees
Refinance	Strong	Strong	Acceptable	Strong	771	11.9%	+0.267%Above	$2,442Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume5,730

Mix88.1%

Spread

+0.354%Above

Fees

$3,301Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume771

Mix11.9%

Spread

+0.267%Above

Fees

$2,442Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

6,501

Applications

8,212

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.343%

vs. market APOR

Avg Net Fees

$3,184

Origination − Credits

Pullthrough Rate

79.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$397,564

Avg Borrower Income

$161,796

Avg Property Value

$510,916

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast4

CTMANJPA

Midwest11

IAILINKSMIMNNDNEOHSDWI

South14

ALARDEFLGAKYLAMDNCOKSCTNTXVA

West12

AZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Camerafiend · CC BY-SA 4.0

Farmington, NMMetro

Volume 66Mix 1.02% of portfolio

100/100

Exceptional

2© DPPed · CC BY-SA 3.0

Phoenix, AZMetro

Volume 1,599Mix 24.60% of portfolio

90/100

Exceptional

3© Bill Morrow from Tucson, AZ, US · CC BY 2.0

Tucson, AZMetro

Volume 506Mix 7.78% of portfolio

88/100

Exceptional

Denver, COMetro

Volume 837Mix 12.87% of portfolio

86/100

Exceptional

Prescott Valley, AZMetro

Volume 95Mix 1.46% of portfolio

80/100

Strong

Houston, TXMetro

Volume 506Mix 7.78% of portfolio

78/100

Strong

Longview, WAMetro

Volume 55Mix 0.85% of portfolio

78/100

Strong

Colorado Springs, COMetro

Volume 152Mix 2.34% of portfolio

71/100

Strong

Grand Junction, COMetro

Volume 60Mix 0.92% of portfolio

71/100

Strong

Green Bay, WIMetro

Volume 69Mix 1.06% of portfolio

70/100

Strong

Showing 10 of 48 metro areas

Top States by Place Specialization Score

ArizonaState

Volume 2,318Mix 35.66% of portfolio

92/100

Exceptional

ColoradoState

Volume 1,214Mix 18.67% of portfolio

85/100

Exceptional

HawaiiState

Volume 169Mix 2.60% of portfolio

78/100

Strong

TexasState

Volume 1,083Mix 16.66% of portfolio

78/100

Strong

OklahomaState

Volume 184Mix 2.83% of portfolio

68/100

Strong

WisconsinState

Volume 178Mix 2.74% of portfolio

66/100

Strong

New MexicoState

Volume 87Mix 1.34% of portfolio

63/100

Strong

OregonState

Volume 89Mix 1.37% of portfolio

61/100

Strong

WashingtonState

Volume 105Mix 1.62% of portfolio

60/100

Strong

PennsylvaniaState

Volume 125Mix 1.92% of portfolio

59/100

Sound

Showing 10 of 31 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.