Castle & Cooke Mortgage
We analyzed every closed loan from Castle & Cooke Mortgage — 965 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Near-National · 11 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,689)
Explore another lender or local market
Report Card
Castle & Cooke Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+45.3 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
499 loans · 0.44% above market
Sound
Top 60% of lenders
3/5
FHA
332 loans · 0.62% above market
Strong
Top 40% of lenders
4/5
VA
90 loans · 0.22% below market
Strong
Top 40% of lenders
4/5
USDA
35 loans · 0.91% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
815 loans · 0.48% above market
Strong
Top 40% of lenders
4/5
Refinance
150 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 12 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 499 | 51.7% | +0.437%Above | $4,528Fees | ||||
FHA Loans | 332 | 34.4% | +0.620%Above | $5,110Fees | ||||
VA Loans | 90 | 9.3% | -0.220%Below | $4,372Fees | ||||
USDA Loans | — | 35 | 3.6% | +0.906%Above | $2,849Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume499
Mix51.7%
Spread
+0.437%Above
Fees
$4,528Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume332
Mix34.4%
Spread
+0.620%Above
Fees
$5,110Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume90
Mix9.3%
Spread
-0.220%Below
Fees
$4,372Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughStrong
Volume35
Mix3.6%
Spread
+0.906%Above
Fees
$2,849Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 815 | 84.5% | +0.476%Above | $4,722Fees | ||||
Refinance | 150 | 15.5% | +0.350%Above | $4,540Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume815
Mix84.5%
Spread
+0.476%Above
Fees
$4,722Fees
Refinance
OverallAcceptable
ProductStrong
PricingAcceptable
Pull ThroughAcceptable
Volume150
Mix15.5%
Spread
+0.350%Above
Fees
$4,540Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
965
Applications
1,569
Volume
$335 million
Pricing & Closing
Avg Rate Spread
+0.453%
vs. market APOR
Avg Net Fees
$4,689
Origination − Credits
Pullthrough Rate
61.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$347,756
Avg Borrower Income
$127,756
Avg Property Value
$431,238
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
28Full-year 2024 · HMDALoans originated
< 5050–100100+None
Northeast1
PA
Midwest10
IAILINKSMNMONEOHSDWI
South7
FLNCOKSCTNTXVA
West10
AZCACOHIIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 11 metro areas
Top States by Place Specialization Score
Showing 10 of 12 states
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.