What loan types does LBS Financial offer?

LBS Financial offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does LBS Financial offer mortgages?

LBS Financial offers mortgages in 1 states: CA.

How competitive are LBS Financial's mortgage rates?

LBS Financial has an overall pricing score of 87.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is LBS Financial?

LBS Financial is a Credit Union headquartered in Westminster, CA.

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LBS Financial

Credit Union•Westminster, CAHQ•Direct•Reviews near you on Google

LBS Financial has 37 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

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Mediocre

1/5

Conventional

Place

Sound

3/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 38.00 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

LBS Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 38.0 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

37 loans · 0.38% below market

Mediocre

Bottom 20% of lenders

1/5

By Loan Purpose· Transaction purpose mix

Purchase

21 loans · 0.43% below market

Mediocre

Bottom 20% of lenders

1/5

Refinance

16 loans · 0.31% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 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	Sound	Mediocre	Exceptional	Acceptable	37	100.0%	-0.380%Below	$1,083Fees

Conventional

Overall

Sound

Product

Mediocre

Pricing

Exceptional

Pull Through

Acceptable

Volume37

Mix100.0%

Spread

-0.380%Below

Fees

$1,083Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Mediocre	—	Acceptable	21	56.8%	-0.432%Below	$965Fees
Refinance	Acceptable	Acceptable	—	Sound	16	43.2%	-0.310%Below	$1,242Fees

Purchase

Overall

Acceptable

Product

Mediocre

Pricing—

Pull Through

Acceptable

Volume21

Mix56.8%

Spread

-0.432%Below

Fees

$965Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume16

Mix43.2%

Spread

-0.310%Below

Fees

$1,242Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$16 million

Pricing & Closing

Avg Rate Spread

-0.380%

vs. market APOR

Avg Net Fees

$1,083

Origination − Credits

Pullthrough Rate

72.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$447,973

Avg Borrower Income

$155,270

Avg Property Value

$777,973

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 26Mix 70.27% of portfolio

60/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 37Mix 100.00% of portfolio

57/100

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(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.