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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
Promptness
Not enough data
—/5
No quote responses measured yet
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
Explore another lender or local market
Report Card
Mid-Island Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+17.0 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
261 loans · 0.17% above market
Sound
Top 60% of lenders
3/5
FHA
55 loans · 0.42% above market
Strong
Top 40% of lenders
4/5
VA
16 loans · 0.34% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
248 loans · 0.15% above market
Sound
Top 60% of lenders
3/5
Refinance
84 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Sound
Top 60% of lenders
3/5
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
14Full-year 2024 · HMDALoans originated
< 5050+None
Northeast7
CTMEMANHNJNYPA
Midwest1
IL
South6
DEFLMDNCSCVA
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
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.