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CMF

Community Mortgage Funding

Independent Mortgage CompanyPomona, CAHQDirectReviews near you on Google

Community Mortgage Funding has 98 closed loans in our dataset — fully analyzed and benchmarked against peers 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
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Rates typically 55 basis points above market average
  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Community Mortgage Funding performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+54.6 bps above market avg
2/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
84 loans · 0.54% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
79 loans · 0.61% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
19 loans · 0.26% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume84
Mix85.7%
Spread
+0.544%Above
Fees
$2,594Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume79
Mix80.6%
Spread
+0.614%Above
Fees
$2,644Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Acceptable
Volume19
Mix19.4%
Spread
+0.255%Above
Fees
$2,923Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
98
Applications
153
Volume
$42 million
Pricing & Closing
Avg Rate Spread
+0.546%
vs. market APOR
Avg Net Fees
$2,698
Origination − Credits
Pullthrough Rate
64.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$433,469
Avg Borrower Income
$257,816
Avg Property Value
$585,816

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

14Full-year 2024 · HMDA
14 states with loan originations
Loans originated
< 2020+None
Northeast1
PA
Midwest5
ILKSMIMNOH
South3
FLOKTX
West5
AZCACONVOR

Top Metro Areas by Place Specialization Score

Volume 16Mix 16.33% of portfolio
50/100
Sound
2© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 15Mix 15.31% of portfolio
49/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 52Mix 53.06% of portfolio
57/100
Sound
Texas
Texas
2
TexasState
Volume 18Mix 18.37% of portfolio
45/100
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.