Azuza has 85 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Rates typically 112 basis points above market average
- Higher than average fees ($6,704)
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Azuza performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+111.6 bps above market avg
1/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
72 loans · 1.11% above market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
11 loans
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
72 loans · 1.08% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
13 loans · 1.23% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 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 | 72 | 84.7% | +1.110%Above | $6,793Fees | ||||
Jumbo Loans | — | — | 11 | 12.9% | — | — |
Conventional
OverallMediocre
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume72
Mix84.7%
Spread
+1.110%Above
Fees
$6,793Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix12.9%
Spread—
Fees—
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 72 | 84.7% | +1.083%Above | $6,503Fees | ||||
Refinance | — | 13 | 15.3% | +1.230%Above | $7,381Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume72
Mix84.7%
Spread
+1.083%Above
Fees
$6,503Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume13
Mix15.3%
Spread
+1.230%Above
Fees
$7,381Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
85
Applications
148
Volume
$53 million
Pricing & Closing
Avg Rate Spread
+1.116%
vs. market APOR
Avg Net Fees
$6,704
Origination − Credits
Pullthrough Rate
57.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$631,235
Avg Borrower Income
$393,106
Avg Property Value
$857,471
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
All statesNone
Northeast1
NJ
South3
FLNCTX
West2
CANV
Top Metro Areas by Place Specialization Score
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.