What loan types does Snapfi offer?

Snapfi offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Snapfi offer mortgages?

Snapfi offers mortgages in 2 states: CA, NV.

How competitive are Snapfi's mortgage rates?

Snapfi has an overall pricing score of 18.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Snapfi?

Snapfi is a Independent Mortgage Company headquartered in Redding, CA.

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Snapfi

Independent Mortgage Company•Redding, CAHQ•Direct•Reviews near you on Google

Snapfi has 39 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

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

FHA · Conventional

Place

Active

Regional

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 54 basis points above market average
Higher than average fees ($4,003)
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Snapfi performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+54.1 bps above market avg

1/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

25 loans · 0.47% above market

Mediocre

Bottom 20% of lenders

1/5

FHA

11 loans · 0.70% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

32 loans · 0.58% above market

Mediocre

Bottom 20% of lenders

1/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 states

No peer data

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Mediocre	Acceptable	Sound	25	64.1%	+0.474%Above	$3,382Fees
FHA Loans	Acceptable	Acceptable	—	—	11	28.2%	+0.705%Above	$5,607Fees

Conventional

Overall

Acceptable

Product

Mediocre

Pricing

Acceptable

Pull Through

Sound

Volume25

Mix64.1%

Spread

+0.474%Above

Fees

$3,382Fees

FHA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume11

Mix28.2%

Spread

+0.705%Above

Fees

$5,607Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Mediocre	Mediocre	Sound	32	82.1%	+0.579%Above	$4,292Fees

Purchase

Overall

Acceptable

Product

Mediocre

Pricing

Mediocre

Pull Through

Sound

Volume32

Mix82.1%

Spread

+0.579%Above

Fees

$4,292Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$19 million

Pricing & Closing

Avg Rate Spread

+0.541%

vs. market APOR

Avg Net Fees

$4,003

Origination − Credits

Pullthrough Rate

95.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$506,026

Avg Borrower Income

$172,692

Avg Property Value

$747,821

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

West2

CANV

Top States by Place Specialization Score

CaliforniaState

Volume 32Mix 82.05% of portfolio

55/100

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.