Cortrust Mortgage
Cortrust Mortgage has 388 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
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
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Report Card
Cortrust Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 7.8 bps below market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
328 loans · 0.10% below market
Strong
Top 40% of lenders
4/5
FHA
42 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
VA
12 loans · 0.44% below market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
349 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
Refinance
39 loans · 0.04% below 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
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 328 | 84.5% | -0.102%Below | $2,877Fees | ||||
FHA Loans | 42 | 10.8% | +0.432%Above | $1,013Fees | ||||
VA Loans | — | — | 12 | 3.1% | -0.436%Below | $1,703Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume328
Mix84.5%
Spread
-0.102%Below
Fees
$2,877Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume42
Mix10.8%
Spread
+0.432%Above
Fees
$1,013Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume12
Mix3.1%
Spread
-0.436%Below
Fees
$1,703Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 349 | 89.9% | -0.083%Below | $2,685Fees | ||||
Refinance | 39 | 10.1% | -0.035%Below | $2,504Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume349
Mix89.9%
Spread
-0.083%Below
Fees
$2,685Fees
Refinance
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume39
Mix10.1%
Spread
-0.035%Below
Fees
$2,504Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
388
Applications
501
Volume
$101 million
Pricing & Closing
Avg Rate Spread
-0.078%
vs. market APOR
Avg Net Fees
$2,664
Origination − Credits
Pullthrough Rate
77.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$262,010
Avg Borrower Income
$126,258
Avg Property Value
$348,093
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 200200+None
Northeast1
PA
Midwest9
IAILMIMNNDNEOHSDWI
South3
ARFLNC
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.