Mattamy Home Funding
We analyzed every closed loan from Mattamy Home Funding — 2.4k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 13 mkts
Awards
FHA
Champion
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
Mattamy Home Funding performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+33.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 14 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,503 | 62.6% | +0.447%Above | $820Fees | ||||
FHA Loans | 626 | 26.1% | +0.186%Above | $439Fees | ||||
VA Loans | — | 267 | 11.1% | -0.394%Below | $126Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,503
Mix62.6%
Spread
+0.447%Above
Fees
$820Fees
FHA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume626
Mix26.1%
Spread
+0.186%Above
Fees
$439Fees
VA Loans
OverallExceptional
ProductStrong
Pricing—
Pull ThroughExceptional
Volume267
Mix11.1%
Spread
-0.394%Below
Fees
$126Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,397 | 99.9% | +0.336%Above | $667Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume2,397
Mix99.9%
Spread
+0.336%Above
Fees
$667Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,400
Applications
2,904
Volume
$994 million
Pricing & Closing
Avg Rate Spread
+0.333%
vs. market APOR
Avg Net Fees
$679
Origination − Credits
Pullthrough Rate
82.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$414,458
Avg Borrower Income
$152,576
Avg Property Value
$515,700
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
5South4
FLNCSCTX
West1
AZ
Top Metro Areas by Place Specialization Score
Volume 167Mix 6.96% of portfolio
83/100
Exceptional
Volume 340Mix 14.17% of portfolio
82/100
Exceptional
Volume 280Mix 11.67% of portfolio
81/100
Exceptional
Volume 404Mix 16.83% of portfolio
77/100
Strong
Volume 178Mix 7.42% of portfolio
77/100
Strong
Volume 185Mix 7.71% of portfolio
76/100
Strong
Volume 127Mix 5.29% of portfolio
76/100
Strong
Volume 230Mix 9.58% of portfolio
76/100
Strong
Volume 186Mix 7.75% of portfolio
73/100
Strong
Volume 184Mix 7.67% of portfolio
70/100
StrongShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
ArizonaState
Volume 582Mix 24.25% of portfolio
80/100
Strong2
FloridaState
Volume 1,062Mix 44.25% of portfolio
80/100
Strong3
North CarolinaState
Volume 533Mix 22.21% of portfolio
75/100
Strong4
TexasState
Volume 194Mix 8.08% of portfolio
62/100
Strong5
South CarolinaState
Volume 29Mix 1.21% of portfolio
48/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 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.