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Belem Servicing

Independent Mortgage Company•St. George, UTHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Belem Servicing — 509 loans across 683 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
VA Superstar
VA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Belem Servicing performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+34.7 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
340 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
FHA
140 loans · 0.63% above market
Strong
Top 40% of lenders
4/5
VA
25 loans · 0.57% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
467 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
Refinance
42 loans · 0.08% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume340
Mix66.8%
Spread
+0.334%Above
Fees
$3,917Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume140
Mix27.5%
Spread
+0.630%Above
Fees
$4,172Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume25
Mix4.9%
Spread
-0.569%Below
Fees
$3,966Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume467
Mix91.7%
Spread
+0.388%Above
Fees
$4,034Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume42
Mix8.3%
Spread
+0.081%Above
Fees
$3,699Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
509
Applications
683
Volume
$192 million
Pricing & Closing
Avg Rate Spread
+0.347%
vs. market APOR
Avg Net Fees
$3,989
Origination − Credits
Pullthrough Rate
74.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$378,261
Avg Borrower Income
$203,491
Avg Property Value
$489,145

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

16Full-year 2024 · HMDA
16 states with loan originations
Loans originated
< 2020–100100+None
Midwest3
IAINNE
South5
FLGANCTXVA
West8
AZCAIDNMNVUTWAWY

Top Metro Areas by Place Specialization Score

1© Jrozwado · CC BY-SA 4.0
St. George, UTMetro
Volume 188Mix 36.94% of portfolio
97/100
Exceptional
2© Steven Pavlov · CC BY-SA 4.0
Idaho Falls, IDMetro
Volume 71Mix 13.95% of portfolio
80/100
Strong
3© Venusetdilecti · CC BY-SA 4.0
Miami, FLMetro
Volume 41Mix 8.06% of portfolio
59/100
Sound
4© Eric Friedebach · CC BY 3.0
Cape Coral, FLMetro
Volume 23Mix 4.52% of portfolio
53/100
Sound
5© P,TO 19104 · CC BY-SA 4.0
Naples, FLMetro
Volume 11Mix 2.16% of portfolio
48/100
Sound

Top States by Place Specialization Score

Utah
Utah
1
UtahState
Volume 232Mix 45.58% of portfolio
77/100
Strong
Idaho
Idaho
2
IdahoState
Volume 98Mix 19.25% of portfolio
66/100
Strong
Florida
Florida
3
FloridaState
Volume 109Mix 21.41% of portfolio
60/100
Sound
Texas
Texas
4
TexasState
Volume 25Mix 4.91% of portfolio
44/100
Sound

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
Champion(80%+ = 40-50 points)
Superstar
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.