Crestmark Mortgage Company
We analyzed every closed loan from Crestmark Mortgage Company — 1.1k 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
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Single State · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,105)
Explore another lender or local market
Report Card
Crestmark Mortgage Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Rates 13.6 bps below market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
792 loans · 0.15% below market
Sound
Top 60% of lenders
3/5
FHA
141 loans · 0.59% above market
Strong
Top 40% of lenders
4/5
VA
170 loans · 0.67% below market
Strong
Top 40% of lenders
4/5
Jumbo
21 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,123 loans · 0.14% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 6 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 | 792 | 70.5% | -0.146%Below | $4,417Fees | ||||
FHA Loans | 141 | 12.5% | +0.589%Above | $4,638Fees | ||||
VA Loans | 170 | 15.1% | -0.673%Below | $1,366Fees | ||||
Jumbo Loans | — | 21 | 1.9% | +0.341%Above | $2,792Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume792
Mix70.5%
Spread
-0.146%Below
Fees
$4,417Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume141
Mix12.5%
Spread
+0.589%Above
Fees
$4,638Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume170
Mix15.1%
Spread
-0.673%Below
Fees
$1,366Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume21
Mix1.9%
Spread
+0.341%Above
Fees
$2,792Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,123 | 99.9% | -0.137%Below | $4,103Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,123
Mix99.9%
Spread
-0.137%Below
Fees
$4,103Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,124
Applications
1,502
Volume
$532 million
Pricing & Closing
Avg Rate Spread
-0.136%
vs. market APOR
Avg Net Fees
$4,105
Origination − Credits
Pullthrough Rate
74.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$473,986
Avg Borrower Income
$189,976
Avg Property Value
$582,180
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
< 1,0001,000+None
South1
TX
Top Metro Areas by Place Specialization Score
5© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 63Mix 5.60% of portfolio
63/100
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(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.