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Willow Bend Mortgage Company, LLC

Independent Mortgage CompanyPLANO, TXDirect to Consumer

We analyzed every closed loan from Willow Bend Mortgage Company 813 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Mediocre
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Strong
Multi-Region · 8 mkts

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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)

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Report Card

Willow Bend Mortgage Company, LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
Below peers
+49.9 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
Jumbo
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional9 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Strong
Acceptable
Sound
38647.5%
+0.352%Above
$3,655Fees
FHA Loans
Sound
Strong
Mediocre
Strong
35643.8%
+0.831%Above
$4,651Fees
VA Loans
Sound
Strong
Mediocre
Strong
546.6%
-0.106%Below
$3,827Fees
Jumbo Loans
Sound
Strong
Sound
141.7%
+0.432%Above
$4,838Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Strong
Mediocre
Sound
62777.1%
+0.489%Above
$3,871Fees
Refinance
Sound
Strong
Mediocre
Strong
18622.9%
+0.567%Above
$5,218Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
813
Applications
1,397
Volume
$267 million
Pricing & Closing
Avg Rate Spread
+0.499%
vs. market APOR
Avg Net Fees
$4,044
Origination − Credits
Pullthrough Rate
58.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$328,985
Avg Borrower Income
$156,258
Avg Property Value
$407,472

Geographic Coverage

Geographic Performance

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%of portfolio
Place
Exceptional
2
Corpus Christi, TX, TXMSA
Volume: 97Mix: 11.93%of portfolio
Place
Strong
3
Brownsville, TXMSA
Volume: 50Mix: 6.15%of portfolio
Place
Strong
4
Dallas, TXMSA
Volume: 134Mix: 16.48%of portfolio
Place
Strong
5
El Paso, TX, TXMSA
Volume: 35Mix: 4.31%of portfolio
Place
Sound
6
Fort Worth, TXMSA
Volume: 24Mix: 2.95%of portfolio
Place
Sound
7
Houston, TXMSA
Volume: 29Mix: 3.57%of portfolio
Place
Sound
8
Austin, TXMSA
Volume: 12Mix: 1.48%of portfolio
Place
Sound

Top States by Place Specialization Score

1
TXState
Volume: 802Mix: 98.65%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.