Endeavor Capital
We analyzed every closed loan from Endeavor Capital — 1.8k loans across 3k 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
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 24 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Endeavor Capital performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+42.4 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
788 loans · 0.37% above market
Strong
Top 40% of lenders
4/5
FHA
862 loans · 0.53% above market
Strong
Top 40% of lenders
4/5
VA
124 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
832 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
Refinance
950 loans · 0.42% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 25 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 | 788 | 44.2% | +0.367%Above | $2,476Fees | ||||
FHA Loans | 862 | 48.4% | +0.532%Above | $3,021Fees | ||||
VA Loans | 124 | 7.0% | -0.054%Below | $1,163Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume788
Mix44.2%
Spread
+0.367%Above
Fees
$2,476Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume862
Mix48.4%
Spread
+0.532%Above
Fees
$3,021Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume124
Mix7.0%
Spread
-0.054%Below
Fees
$1,163Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 832 | 46.7% | +0.427%Above | $1,897Fees | ||||
Refinance | 950 | 53.3% | +0.423%Above | $3,244Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume832
Mix46.7%
Spread
+0.427%Above
Fees
$1,897Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume950
Mix53.3%
Spread
+0.423%Above
Fees
$3,244Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,782
Applications
3,127
Volume
$394 million
Pricing & Closing
Avg Rate Spread
+0.424%
vs. market APOR
Avg Net Fees
$2,670
Origination − Credits
Pullthrough Rate
57.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$221,611
Avg Borrower Income
$102,067
Avg Property Value
$287,076
Geographic Coverage
Geographic Performance
Metro Areas
24
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
16Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Midwest7
IAILINKSMOOHWI
South8
ALARFLGAKYOKTNTX
West1
CO
Top Metro Areas by Place Specialization Score
Showing 10 of 24 metro areas
Top States by Place Specialization Score
Showing 10 of 16 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.