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Mortgage Financial Group, Inc.

Independent Mortgage CompanyTAVARES, FLDirect to Consumer

Mortgage Financial Group has 158 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA · USDA
Place
Strong
Regional · 3 mkts
Safe Rate AwardsFHA Superstar

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Safe Rate's Summary

What They Do Well

  • Particularly strong in FHA and USDA loans

Things to Think About

  • Pricing may be below industry average

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Report Card

Mortgage Financial Group, Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+29.1 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Sound
Industry Standard
Top 60% of lenders
USDA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Acceptable
Acceptable
Acceptable
7044.3%
+0.264%Above
$2,977Fees
FHA Loans
Strong
Strong
Sound
Strong
5937.3%
+0.425%Above
$3,624Fees
VA Loans
Sound
Sound
159.5%
-0.286%Below
$1,586Fees
USDA Loans
Strong
Strong
138.2%

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Acceptable
Sound
14088.6%
+0.314%Above
$3,194Fees
Refinance
Sound
Acceptable
Strong
1811.4%
+0.151%Above
$2,794Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
158
Applications
196
Volume
$46 million
Pricing & Closing
Avg Rate Spread
+0.291%
vs. market APOR
Avg Net Fees
$3,138
Origination − Credits
Pullthrough Rate
80.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$292,532
Avg Borrower Income
$161,962
Avg Property Value
$358,797

Geographic Coverage

Geographic Performance

Metro Areas
3
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

FLGAKYNC

Top Metro Areas by Place Specialization Score

1
Orlando, FLMSA
Volume: 75Mix: 47.47%of portfolio
Place
Strong
2
Ocala, FL, FLMSA
Volume: 23Mix: 14.56%of portfolio
Place
Strong
3
Homosassa Springs, FL, FLMSA
Volume: 12Mix: 7.59%of portfolio
Place
Sound

Top States by Place Specialization Score

1
FLState
Volume: 136Mix: 86.08%of portfolio
Place
Strong
2
NCState
Volume: 19Mix: 12.03%of portfolio
Place
Sound

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.