What loan types does ST Fin offer?

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

Where does ST Fin offer mortgages?

ST Fin offers mortgages in 3 states: CA, FL, TX.

How competitive are ST Fin's mortgage rates?

ST Fin has an overall pricing score of 14.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ST Fin?

ST Fin is a Independent Mortgage Company headquartered in LAGUNA HILLS, CA.

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ST Fin

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

ST Fin has 163 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

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional

Place

Sound

3/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 55 basis points above market average
Higher than average fees ($5,088)

Explore another lender or local market

Report Card

ST Fin performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+55.4 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

67 loans · 0.42% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

88 loans · 0.65% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

104 loans · 0.63% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

59 loans · 0.31% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Acceptable	Acceptable	Mediocre	Acceptable	67	41.1%	+0.417%Above	$5,299Fees
FHA Loans	Sound	Strong	Mediocre	Strong	88	54.0%	+0.653%Above	$5,211Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume67

Mix41.1%

Spread

+0.417%Above

Fees

$5,299Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume88

Mix54.0%

Spread

+0.653%Above

Fees

$5,211Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Acceptable	104	63.8%	+0.628%Above	$5,462Fees
Refinance	Sound	Sound	—	Sound	59	36.2%	+0.314%Above	$3,893Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume104

Mix63.8%

Spread

+0.628%Above

Fees

$5,462Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume59

Mix36.2%

Spread

+0.314%Above

Fees

$3,893Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

163

Applications

253

Volume

$79 million

Pricing & Closing

Avg Rate Spread

+0.554%

vs. market APOR

Avg Net Fees

$5,088

Origination − Credits

Pullthrough Rate

64.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$486,963

Avg Borrower Income

$158,497

Avg Property Value

$653,160

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

3Full-year 2024 · HMDA

Loans originated

< 2020+None

South2

FLTX

West1

Top Metro Areas by Place Specialization Score

Riverside, CAMetro

Volume 69Mix 42.33% of portfolio

67/100

Strong

Los Angeles, CAMetro

Volume 44Mix 26.99% of portfolio

61/100

Strong

Anaheim, CAMetro

Volume 13Mix 7.98% of portfolio

49/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 146Mix 89.57% of portfolio

67/100

Strong

TexasState

Volume 16Mix 9.82% of portfolio

42/100

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.