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WILLOW BEND MORTGAGE COMPANY, LLC
Independent Mortgage Company|PLANO, TX|Multi-Region
Loans Originated
813
Applications
1,397
Volume
$267 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.499%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,044
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
58.2%
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 loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,044)
Report Card
WILLOW BEND MORTGAGE COMPANY, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 9 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$328,985
Average Borrower Income
$156,258
Average Property Value
$407,472
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 386 | 47.5% | +0.352% | $3,655 |
FHA Loans | Sound | Strong | Mediocre | Strong | 356 | 43.8% | +0.831% | $4,651 |
VA Loans | Sound | Strong | Mediocre | Strong | 54 | 6.6% | -0.106% | $3,827 |
Jumbo Loans | Sound | Strong | N/A | Sound | 14 | 1.7% | +0.432% | $4,838 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 627 | 77.1% | +0.489% | $3,871 |
Refinance | Sound | Strong | Mediocre | Strong | 186 | 22.9% | +0.567% | $5,218 |
Geographic Coverage
Metro Areas
8
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ARCOGANMOKTX
Top Metro Areas by Place Specialization Score
1
McAllen, TXMSA
Volume: 321Mix: 39.48%
Place Specialization
Exceptional
2
Corpus Christi, TX, TXMSA
Volume: 97Mix: 11.93%
Place Specialization
Strong
3
Brownsville, TXMSA
Volume: 50Mix: 6.15%
Place Specialization
Strong
4
Dallas, TXMSA
Volume: 134Mix: 16.48%
Place Specialization
Strong
5
El Paso, TX, TXMSA
Volume: 35Mix: 4.31%
Place Specialization
Sound
6
Fort Worth, TXMSA
Volume: 24Mix: 2.95%
Place Specialization
Sound
7
Houston, TXMSA
Volume: 29Mix: 3.57%
Place Specialization
Sound
8
Austin, TXMSA
Volume: 12Mix: 1.48%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 802Mix: 98.65%
Place Specialization
Exceptional
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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