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Metroplex Mortgage Services, Inc.

Independent Mortgage CompanySAINT PETERSBURG, FLDirect to Consumer

Metroplex Mortgage Services has 178 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Sound
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Exceptional
Regional · 2 mkts
Safe Rate AwardsRefinance Superstar

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Safe Rate's Summary

What They Do Well

  • Particularly strong in VA and USDA loans

Things to Think About

  • Pricing may be below industry average

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Report Card

Metroplex Mortgage Services, Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+26.8 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
USDA
Exceptional
Market Leader
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Sound
Mediocre
Strong
5128.7%
+0.358%Above
$3,824Fees
FHA Loans
Sound
Sound
158.4%
+0.491%Above
$4,293Fees
VA Loans
Strong
Strong
Exceptional
3720.8%
-0.126%Below
$2,986Fees
USDA Loans
Sound
Exceptional
Mediocre
Strong
7542.1%
+0.251%Above
$3,746Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Sound
Mediocre
Strong
13575.8%
+0.366%Above
$3,632Fees
Refinance
Strong
Strong
Sound
Strong
4324.2%
-0.055%Below
$4,025Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
178
Applications
236
Volume
$43 million
Pricing & Closing
Avg Rate Spread
+0.268%
vs. market APOR
Avg Net Fees
$3,724
Origination − Credits
Pullthrough Rate
75.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$244,551
Avg Borrower Income
$91,972
Avg Property Value
$277,321

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
3
We count Washington DC as a state
Avg Place Specialization
Exceptional

States with Loan Originations

ALFLTX

Top Metro Areas by Place Specialization Score

1
Sebring, FL, FLMSA
Volume: 93Mix: 52.25%of portfolio
Place
Exceptional
2
Homosassa Springs, FL, FLMSA
Volume: 17Mix: 9.55%of portfolio
Place
Strong

Top States by Place Specialization Score

1
FLState
Volume: 176Mix: 98.88%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.