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Cambria Financial Group

Independent Mortgage Company•Belle Plaine, MNHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Cambria Financial Group — 435 loans across 526 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 · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

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

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Cambria Financial Group performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+28.9 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
320 loans · 0.31% above market
Sound
Top 60% of lenders
3/5
FHA
85 loans · 0.58% above market
Strong
Top 40% of lenders
4/5
VA
26 loans · 0.28% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
397 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
Refinance
38 loans · 0.38% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume320
Mix73.6%
Spread
+0.308%Above
Fees
$2,924Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume85
Mix19.5%
Spread
+0.580%Above
Fees
$2,442Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume26
Mix6.0%
Spread
-0.279%Below
Fees
$3,030Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume397
Mix91.3%
Spread
+0.277%Above
Fees
$2,950Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume38
Mix8.7%
Spread
+0.377%Above
Fees
$2,010Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
435
Applications
526
Volume
$133 million
Pricing & Closing
Avg Rate Spread
+0.289%
vs. market APOR
Avg Net Fees
$2,845
Origination − Credits
Pullthrough Rate
82.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$307,023
Avg Borrower Income
$116,253
Avg Property Value
$370,839

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

7Full-year 2024 · HMDA
7 states with loan originations
Loans originated
< 5050+None
Midwest4
IAMNNDWI
South2
FLTX
West1
AZ

Top Metro Areas by Place Specialization Score

1© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 251Mix 57.70% of portfolio
77/100
Strong
2© Ron Reiring · CC BY 2.0
Fargo, ND, ND-MNMetro
Volume 75Mix 17.24% of portfolio
76/100
Strong
3© Jeff Keen from New York, NY, USA · CC BY 2.0
Mankato, MNMetro
Volume 12Mix 2.76% of portfolio
53/100
Sound

Top States by Place Specialization Score

Minnesota
Minnesota
1
MinnesotaState
Volume 360Mix 82.76% of portfolio
80/100
Exceptional
North Dakota
North Dakota
2
North DakotaState
Volume 60Mix 13.79% of portfolio
65/100
Strong

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.