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MK Lending

Independent Mortgage Company•North Hollywood, CAHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from MK Lending — 715 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 10 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in FHA and Jumbo loans

Things to Think About

  • Rates typically 52 basis points above market average

Explore another lender or local market

Report Card

MK Lending performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+51.7 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume612
Mix85.6%
Spread
+0.468%Above
Fees
$3,730Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume69
Mix9.7%
Spread
+0.684%Above
Fees
$3,855Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume34
Mix4.8%
Spread
+1.213%Above
Fees
$3,577Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume519
Mix72.6%
Spread
+0.506%Above
Fees
$3,897Fees
Refinance
Overall
Acceptable
Product
Strong
Pricing
Mediocre
Pull Through
Acceptable
Volume196
Mix27.4%
Spread
+0.551%Above
Fees
$3,240Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
715
Applications
1,255
Volume
$423 million
Pricing & Closing
Avg Rate Spread
+0.517%
vs. market APOR
Avg Net Fees
$3,741
Origination − Credits
Pullthrough Rate
57.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$592,371
Avg Borrower Income
$233,260
Avg Property Value
$888,077

Geographic Coverage

Geographic Performance

Metro Areas
10
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

9
9 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
NJ
South5
FLGAMDTXVA
West3
AZCAWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 228Mix 31.89% of portfolio
78/100
Strong
2© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 99Mix 13.85% of portfolio
72/100
Strong
3© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 136Mix 19.02% of portfolio
71/100
Strong
4© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 34Mix 4.76% of portfolio
57/100
Sound
5© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 33Mix 4.62% of portfolio
55/100
Sound
6© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 28Mix 3.92% of portfolio
52/100
Sound
7© Basil D Soufi · CC BY-SA 4.0
San Francisco, CAMetro
Volume 15Mix 2.10% of portfolio
48/100
Sound
8© Ben Loomis · CC BY 2.0
San Jose, CAMetro
Volume 12Mix 1.68% of portfolio
44/100
Sound
9© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 15Mix 2.10% of portfolio
43/100
Sound
10© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 11Mix 1.54% of portfolio
39/100
Acceptable

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 609Mix 85.17% of portfolio
77/100
Strong
Virginia
Virginia
2
VirginiaState
Volume 29Mix 4.06% of portfolio
49/100
Sound
Maryland
Maryland
3
MarylandState
Volume 18Mix 2.52% of portfolio
44/100
Sound
Arizona
Arizona
4
ArizonaState
Volume 16Mix 2.24% of portfolio
43/100
Sound
Texas
Texas
5
TexasState
Volume 18Mix 2.52% of portfolio
39/100
Acceptable
Georgia
Georgia
6
GeorgiaState
Volume 12Mix 1.68% of portfolio
39/100
Acceptable

How 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.