What loan types does ON Q FINANCIAL, LLC offer?

ON Q FINANCIAL, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does ON Q FINANCIAL, LLC offer mortgages?

ON Q FINANCIAL, LLC offers mortgages in 27 states: AR, AZ, CA, CO, FL, IA, ID, IL, IN, KY, MI, MN, MO, NC, ND, NV, OH, OK, OR, SC, TN, TX, UT, VA, WA, WI, WY.

How competitive are ON Q FINANCIAL, LLC's mortgage rates?

ON Q FINANCIAL, LLC has an overall pricing score of 32.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ON Q FINANCIAL, LLC?

ON Q FINANCIAL, LLC is a Independent Mortgage Company headquartered in SCOTTSDALE, AZ.

Unclaimed

On Q Financial, LLC

Independent Mortgage Company•SCOTTSDALE, AZ•Direct

We analyzed every closed loan from On Q Financial — 887 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo

Place

Sound

Near-National · 13 mkts

Safe Rate Awards⭐VA Superstar

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Safe Rate's Summary

What They Do Well

Particularly strong in Conventional and FHA and VA and Jumbo loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

On Q Financial, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +26.0 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National14 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	563	63.5%	+0.208%Above	$3,000Fees
FHA Loans	Sound	Strong	Acceptable	Strong	228	25.7%	+0.599%Above	$3,710Fees
VA Loans	Strong	Strong	Strong	Sound	67	7.6%	-0.590%Below	$1,961Fees
Jumbo Loans	Sound	Strong	—	Acceptable	21	2.4%	+0.398%Above	$1,895Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	817	92.1%	+0.249%Above	$3,137Fees
Refinance	Acceptable	Sound	Acceptable	Acceptable	70	7.9%	+0.365%Above	$2,580Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

887

Applications

1,389

Volume

$355 million

Pricing & Closing

Avg Rate Spread

+0.260%

vs. market APOR

Avg Net Fees

$3,088

Origination − Credits

Pullthrough Rate

63.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$401,032

Avg Borrower Income

$144,956

Avg Property Value

$522,170

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ARAZCACOFLIAIDILINKYMIMNMONCNDNVOHOKORSCTNTXUTVAWAWIWY

Top Metro Areas by Place Specialization Score

Redding, CA, CAMSA

Volume: 55Mix: 6.20%of portfolio

Place

Strong

Phoenix, AZMSA

Volume: 224Mix: 25.25%of portfolio

Place

Strong

Greenville, SCMSA

Volume: 64Mix: 7.22%of portfolio

Place

Strong

Seattle, WAMSA

Volume: 67Mix: 7.55%of portfolio

Place

Strong

Ogden, UT, UTMSA

Volume: 37Mix: 4.17%of portfolio

Place

Strong

Salt Lake City, UTMSA

Volume: 36Mix: 4.06%of portfolio

Place

Sound

Charlotte, NC-SCMSA

Volume: 42Mix: 4.74%of portfolio

Place

Sound

Tacoma, WAMSA

Volume: 24Mix: 2.71%of portfolio

Place

Sound

Spartanburg, SC, SCMSA

Volume: 18Mix: 2.03%of portfolio

Place

Sound

Everett, WA, WAMSA

Volume: 18Mix: 2.03%of portfolio

Place

Sound

Showing 10 of 13 metro areas

Top States by Place Specialization Score

AZState

Volume: 237Mix: 26.72%of portfolio

Place

Strong

WAState

Volume: 135Mix: 15.22%of portfolio

Place

Strong

SCState

Volume: 93Mix: 10.48%of portfolio

Place

Strong

UTState

Volume: 83Mix: 9.36%of portfolio

Place

Strong

NCState

Volume: 81Mix: 9.13%of portfolio

Place

Sound

CAState

Volume: 85Mix: 9.58%of portfolio

Place

Sound

MOState

Volume: 27Mix: 3.04%of portfolio

Place

Sound

ARState

Volume: 20Mix: 2.25%of portfolio

Place

Sound

INState

Volume: 20Mix: 2.25%of portfolio

Place

Sound

KYState

Volume: 13Mix: 1.47%of portfolio

Place

Sound

Showing 10 of 14 states

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.