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M/I FINANCIAL, LLC
Independent Mortgage Company|UPPER ARLINGTON, OH|Multi-Region
Loans Originated
6,557
Applications
8,417
Volume
$2 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.140%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,531
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,531)
Report Card
M/I FINANCIAL, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Multi-Regional · 27 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$400,167
Average Borrower Income
$160,851
Average Property Value
$495,732
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 4,272 | 65.2% | +0.024% | $4,094 |
FHA Loans | Strong | Exceptional | Sound | Strong | 1,696 | 25.9% | -0.383% | $5,762 |
VA Loans | Strong | Exceptional | Sound | Exceptional | 583 | 8.9% | -0.891% | $4,663 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 6,556 | 100.0% | -0.140% | $4,532 |
Geographic Coverage
Metro Areas
27
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLILINMIMNNCOHTNTX
Top Metro Areas by Place Specialization Score
1
Columbus, OH, OHMSA
Volume: 654Mix: 9.97%
Place Specialization
Exceptional
2
North Port, FLMSA
Volume: 306Mix: 4.67%
Place Specialization
Exceptional
3
Tampa, FL, FLMSA
Volume: 505Mix: 7.70%
Place Specialization
Exceptional
4
Dallas, TXMSA
Volume: 642Mix: 9.79%
Place Specialization
Exceptional
5
Elgin, IL, ILMSA
Volume: 161Mix: 2.46%
Place Specialization
Exceptional
6
Indianapolis, INMSA
Volume: 414Mix: 6.31%
Place Specialization
Exceptional
7
Austin, TXMSA
Volume: 310Mix: 4.73%
Place Specialization
Exceptional
8
Minneapolis, MN-WIMSA
Volume: 586Mix: 8.94%
Place Specialization
Strong
9
Charlotte, NC-SCMSA
Volume: 373Mix: 5.69%
Place Specialization
Strong
10
Orlando, FLMSA
Volume: 363Mix: 5.54%
Place Specialization
Strong
Showing 10 of 27 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,888Mix: 28.79%
Place Specialization
Exceptional
2
OHState
Volume: 1,006Mix: 15.34%
Place Specialization
Exceptional
3
FLState
Volume: 1,261Mix: 19.23%
Place Specialization
Strong
4
MNState
Volume: 586Mix: 8.94%
Place Specialization
Strong
5
ILState
Volume: 489Mix: 7.46%
Place Specialization
Strong
6
NCState
Volume: 690Mix: 10.52%
Place Specialization
Strong
7
INState
Volume: 414Mix: 6.31%
Place Specialization
Strong
8
MIState
Volume: 182Mix: 2.78%
Place Specialization
Strong
9
TNState
Volume: 41Mix: 0.63%
Place Specialization
Sound
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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