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MORIA DEVELOPMENT, INC.
Independent Mortgage Company|TEMPE, AZ|Near-National
Loans Originated
2,523
Applications
3,440
Volume
$891 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.498%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,688
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.3%
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 and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
MORIA DEVELOPMENT, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
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 | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 23 metro areas · 35 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$353,355
Average Borrower Income
$144,662
Average Property Value
$439,871
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 1,403 | 55.6% | +0.509% | $3,556 |
FHA Loans | Strong | Exceptional | Acceptable | Exceptional | 765 | 30.3% | +0.666% | $4,198 |
VA Loans | Sound | Strong | Acceptable | Strong | 281 | 11.1% | -0.096% | $2,889 |
Jumbo Loans | Sound | Strong | Mediocre | Strong | 38 | 1.5% | +0.672% | $4,184 |
USDA Loans | Strong | Strong | N/A | Strong | 36 | 1.4% | +0.350% | $2,088 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 2,187 | 86.7% | +0.521% | $3,723 |
Refinance | Sound | Strong | Mediocre | Strong | 336 | 13.3% | +0.352% | $3,462 |
Geographic Coverage
Metro Areas
22
States Served
35
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACODCDEFLGAIAIDILINKYMDMIMNMTNCNENJNMNVOHOKORPASCTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Grand Island, NE, NEMSA
Volume: 73Mix: 2.89%
Place Specialization
Exceptional
2
Bakersfield, CAMSA
Volume: 330Mix: 13.08%
Place Specialization
Exceptional
3
Tucson, AZ, AZMSA
Volume: 242Mix: 9.59%
Place Specialization
Exceptional
4
Las Vegas, NVMSA
Volume: 185Mix: 7.33%
Place Specialization
Strong
5
Phoenix, AZMSA
Volume: 327Mix: 12.96%
Place Specialization
Strong
6
Omaha, NE, NE-IAMSA
Volume: 127Mix: 5.03%
Place Specialization
Strong
7
Birmingham, AL, ALMSA
Volume: 86Mix: 3.41%
Place Specialization
Strong
8
Arlington, VA-WVMSA
Volume: 147Mix: 5.83%
Place Specialization
Strong
9
Virginia Beach, VA-NCMSA
Volume: 124Mix: 4.91%
Place Specialization
Strong
10
Tuscaloosa, AL, ALMSA
Volume: 62Mix: 2.46%
Place Specialization
Strong
Showing 10 of 22 metro areas
Top States by Place Specialization Score
1
AZState
Volume: 667Mix: 26.44%
Place Specialization
Exceptional
2
NEState
Volume: 241Mix: 9.55%
Place Specialization
Strong
3
VAState
Volume: 355Mix: 14.07%
Place Specialization
Strong
4
ALState
Volume: 245Mix: 9.71%
Place Specialization
Strong
5
NVState
Volume: 187Mix: 7.41%
Place Specialization
Strong
6
CAState
Volume: 480Mix: 19.02%
Place Specialization
Strong
7
NMState
Volume: 24Mix: 0.95%
Place Specialization
Sound
8
NCState
Volume: 42Mix: 1.66%
Place Specialization
Sound
9
UTState
Volume: 22Mix: 0.87%
Place Specialization
Sound
10
FLState
Volume: 46Mix: 1.82%
Place Specialization
Sound
Showing 10 of 19 states
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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