Mid-Island Mortgage
Mid-Island Mortgage has 332 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
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 5 mkts
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in FHA and VA loans
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Report Card
Mid-Island Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+17.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 261 | 78.6% | +0.165%Above | $1,609Fees | ||||
FHA Loans | 55 | 16.6% | +0.422%Above | $3,214Fees | ||||
VA Loans | — | 16 | 4.8% | -0.345%Below | $2,158Fees |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume261
Mix78.6%
Spread
+0.165%Above
Fees
$1,609Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume55
Mix16.6%
Spread
+0.422%Above
Fees
$3,214Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume16
Mix4.8%
Spread
-0.345%Below
Fees
$2,158Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 248 | 74.7% | +0.148%Above | $1,569Fees | ||||
Refinance | 84 | 25.3% | +0.247%Above | $2,779Fees |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume248
Mix74.7%
Spread
+0.148%Above
Fees
$1,569Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
Volume84
Mix25.3%
Spread
+0.247%Above
Fees
$2,779Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
332
Applications
464
Volume
$140 million
Pricing & Closing
Avg Rate Spread
+0.170%
vs. market APOR
Avg Net Fees
$1,840
Origination − Credits
Pullthrough Rate
71.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$423,193
Avg Borrower Income
$156,337
Avg Property Value
$598,018
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
14Northeast7
CTMEMANHNJNYPA
Midwest1
IL
South6
DEFLMDNCSCVA
Top Metro Areas by Place Specialization Score
Volume 156Mix 46.99% of portfolio
78/100
Strong
Volume 56Mix 16.87% of portfolio
62/100
Strong
Volume 19Mix 5.72% of portfolio
50/100
Sound
Volume 15Mix 4.52% of portfolio
49/100
Sound
Volume 10Mix 3.01% of portfolio
42/100
SoundTop States by Place Specialization Score
1
New YorkState
Volume 252Mix 75.90% of portfolio
76/100
Strong2
MassachusettsState
Volume 35Mix 10.54% of portfolio
54/100
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.