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We analyzed every closed loan from Moria Development — 2.5k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Near-National · 22 mkts
Safe Rate Awards⭐FHA Superstar
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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
Explore another lender or local market
Report Card
Moria Development, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +49.8 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Near-National23 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,403 | 55.6% | +0.509%Above | $3,556Fees | ||||
FHA Loans | 765 | 30.3% | +0.666%Above | $4,198Fees | ||||
VA Loans | 281 | 11.1% | -0.096%Below | $2,889Fees | ||||
Jumbo Loans | 38 | 1.5% | +0.672%Above | $4,184Fees | ||||
USDA Loans | — | 36 | 1.4% | +0.350%Above | $2,088Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,187 | 86.7% | +0.521%Above | $3,723Fees | ||||
Refinance | 336 | 13.3% | +0.352%Above | $3,462Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,523
Applications
3,440
Volume
$891 million
Pricing & Closing
Avg Rate Spread
+0.498%
vs. market APOR
Avg Net Fees
$3,688
Origination − Credits
Pullthrough Rate
73.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$353,355
Avg Borrower Income
$144,662
Avg Property Value
$439,871
Geographic Coverage
Geographic Performance
Metro Areas
22
States Served
35
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Grand Island, NE, NEMSA
Volume: 73Mix: 2.89%of portfolio
Place
Exceptional2
Bakersfield, CAMSA
Volume: 330Mix: 13.08%of portfolio
Place
Exceptional3
Tucson, AZ, AZMSA
Volume: 242Mix: 9.59%of portfolio
Place
Exceptional4
Las Vegas, NVMSA
Volume: 185Mix: 7.33%of portfolio
Place
Strong5
Phoenix, AZMSA
Volume: 327Mix: 12.96%of portfolio
Place
Strong6
Omaha, NE, NE-IAMSA
Volume: 127Mix: 5.03%of portfolio
Place
Strong7
Birmingham, AL, ALMSA
Volume: 86Mix: 3.41%of portfolio
Place
Strong8
Arlington, VA-WVMSA
Volume: 147Mix: 5.83%of portfolio
Place
Strong9
Virginia Beach, VA-NCMSA
Volume: 124Mix: 4.91%of portfolio
Place
Strong10
Tuscaloosa, AL, ALMSA
Volume: 62Mix: 2.46%of portfolio
Place
StrongShowing 10 of 22 metro areas
Top States by Place Specialization Score
1
AZState
Volume: 667Mix: 26.44%of portfolio
Place
Exceptional2
NEState
Volume: 241Mix: 9.55%of portfolio
Place
Strong3
VAState
Volume: 355Mix: 14.07%of portfolio
Place
Strong4
ALState
Volume: 245Mix: 9.71%of portfolio
Place
Strong5
NVState
Volume: 187Mix: 7.41%of portfolio
Place
Strong6
CAState
Volume: 480Mix: 19.02%of portfolio
Place
Strong7
NMState
Volume: 24Mix: 0.95%of portfolio
Place
Sound8
NCState
Volume: 42Mix: 1.66%of portfolio
Place
Sound9
UTState
Volume: 22Mix: 0.87%of portfolio
Place
Sound10
FLState
Volume: 46Mix: 1.82%of portfolio
Place
SoundShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.