Staunton Financial
We analyzed every closed loan from Staunton Financial — 2.0k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 11 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Staunton Financial performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+33.4 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,614 loans · 0.29% above market
Exceptional
Top 20% of lenders
5/5
FHA
316 loans · 0.76% above market
Strong
Top 40% of lenders
4/5
VA
82 loans · 0.10% below market
Strong
Top 40% of lenders
4/5
Jumbo
14 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,868 loans · 0.34% above market
Exceptional
Top 20% of lenders
5/5
Refinance
166 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,614 | 79.4% | +0.290%Above | $1,979Fees | ||||
FHA Loans | 316 | 15.5% | +0.760%Above | $2,078Fees | ||||
VA Loans | 82 | 4.0% | -0.100%Below | $1,164Fees | ||||
Jumbo Loans | — | — | 14 | 0.7% | +0.143%Above | $2,435Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume1,614
Mix79.4%
Spread
+0.290%Above
Fees
$1,979Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume316
Mix15.5%
Spread
+0.760%Above
Fees
$2,078Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume82
Mix4.0%
Spread
-0.100%Below
Fees
$1,164Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume14
Mix0.7%
Spread
+0.143%Above
Fees
$2,435Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,868 | 91.8% | +0.342%Above | $2,018Fees | ||||
Refinance | 166 | 8.2% | +0.254%Above | $1,482Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume1,868
Mix91.8%
Spread
+0.342%Above
Fees
$2,018Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume166
Mix8.2%
Spread
+0.254%Above
Fees
$1,482Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,034
Applications
2,357
Volume
$532 million
Pricing & Closing
Avg Rate Spread
+0.334%
vs. market APOR
Avg Net Fees
$1,967
Origination − Credits
Pullthrough Rate
86.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$261,770
Avg Borrower Income
$117,309
Avg Property Value
$325,600
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Full-year 2024 · HMDALoans originated
< 1010–2020+None
Midwest3
KSMIOH
South4
ALFLNCTX
West1
CO
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.