Altitude Financial Corporation
We analyzed every closed loan from Altitude Financial Corporation — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Altitude Financial Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+31.0 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
626 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
FHA
274 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
VA
83 loans · 0.29% below market
Strong
Top 40% of lenders
4/5
Jumbo
13 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
878 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
Refinance
124 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 626 | 62.5% | +0.361%Above | $1,945Fees | ||||
FHA Loans | 274 | 27.3% | +0.393%Above | $2,638Fees | ||||
VA Loans | 83 | 8.3% | -0.291%Below | $2,012Fees | ||||
Jumbo Loans | — | 13 | 1.3% | +0.393%Above | $1,290Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume626
Mix62.5%
Spread
+0.361%Above
Fees
$1,945Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume274
Mix27.3%
Spread
+0.393%Above
Fees
$2,638Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume83
Mix8.3%
Spread
-0.291%Below
Fees
$2,012Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume13
Mix1.3%
Spread
+0.393%Above
Fees
$1,290Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 878 | 87.6% | +0.338%Above | $1,825Fees | ||||
Refinance | 124 | 12.4% | +0.204%Above | $3,009Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume878
Mix87.6%
Spread
+0.338%Above
Fees
$1,825Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume124
Mix12.4%
Spread
+0.204%Above
Fees
$3,009Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,002
Applications
1,307
Volume
$348 million
Pricing & Closing
Avg Rate Spread
+0.310%
vs. market APOR
Avg Net Fees
$2,069
Origination − Credits
Pullthrough Rate
76.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$347,655
Avg Borrower Income
$142,810
Avg Property Value
$455,509
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 1010–100100+None
South2
FLTX
West7
AZCACOIDNVORWA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.