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Mortgage Assurance, Inc.
Independent Mortgage Company•Peachtree Corners, GA•Direct to Consumer
We analyzed every closed loan from Mortgage Assurance — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · USDA
Place
Sound
Multi-Region · 14 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 loans
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Report Card
Mortgage Assurance, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +19.7 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 | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Industry Standard Top 60% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Multi-Regional15 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 800 | 79.2% | +0.213%Above | $2,169Fees | ||||
FHA Loans | 159 | 15.7% | +0.268%Above | $2,813Fees | ||||
VA Loans | — | 36 | 3.6% | -0.519%Below | $2,121Fees | |||
USDA Loans | — | — | 10 | 1.0% | +0.044%Above | $831Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 847 | 83.9% | +0.189%Above | $2,434Fees | ||||
Refinance | 163 | 16.1% | +0.227%Above | $1,612Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,010
Applications
1,347
Volume
$388 million
Pricing & Closing
Avg Rate Spread
+0.197%
vs. market APOR
Avg Net Fees
$2,260
Origination − Credits
Pullthrough Rate
75.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$384,990
Avg Borrower Income
$165,831
Avg Property Value
$510,239
Geographic Coverage
Geographic Performance
Metro Areas
14
States Served
20
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARCOCTFLGAILINMDMEMINCNHOHPASCTNTXVAWI
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 323Mix: 31.98%of portfolio
Place
Exceptional2
Marietta, GA, GAMSA
Volume: 156Mix: 15.45%of portfolio
Place
Strong3
Charleston, SCMSA
Volume: 40Mix: 3.96%of portfolio
Place
Strong4
Charlotte, NC-SCMSA
Volume: 55Mix: 5.45%of portfolio
Place
Strong5
Hickory, NCMSA
Volume: 27Mix: 2.67%of portfolio
Place
Sound6
Greenville, SCMSA
Volume: 30Mix: 2.97%of portfolio
Place
Sound7
Lake County, INMSA
Volume: 25Mix: 2.48%of portfolio
Place
Sound8
Columbia, SC, SCMSA
Volume: 25Mix: 2.48%of portfolio
Place
Sound9
Fayetteville, ARMSA
Volume: 28Mix: 2.77%of portfolio
Place
Sound10
Rome, GA, GAMSA
Volume: 13Mix: 1.29%of portfolio
Place
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 562Mix: 55.64%of portfolio
Place
Exceptional2
SCState
Volume: 134Mix: 13.27%of portfolio
Place
Strong3
NCState
Volume: 116Mix: 11.49%of portfolio
Place
Strong4
ARState
Volume: 29Mix: 2.87%of portfolio
Place
Sound5
INState
Volume: 32Mix: 3.17%of portfolio
Place
Sound6
ILState
Volume: 32Mix: 3.17%of portfolio
Place
Sound7
FLState
Volume: 41Mix: 4.06%of portfolio
Place
Sound8
NHState
Volume: 12Mix: 1.19%of portfolio
Place
Sound9
VAState
Volume: 13Mix: 1.29%of portfolio
Place
AcceptableHow 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.