Mortgage Financial Services
We analyzed every closed loan from Mortgage Financial Services — 2.0k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 22 mkts
Awards
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Mortgage Financial Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+46.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 23 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 830 | 40.5% | +0.424%Above | $2,641Fees | ||||
FHA Loans | 908 | 44.3% | +0.672%Above | $2,351Fees | ||||
VA Loans | 243 | 11.9% | -0.127%Below | $2,530Fees | ||||
USDA Loans | 65 | 3.2% | +0.573%Above | $1,557Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume830
Mix40.5%
Spread
+0.424%Above
Fees
$2,641Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume908
Mix44.3%
Spread
+0.672%Above
Fees
$2,351Fees
VA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume243
Mix11.9%
Spread
-0.127%Below
Fees
$2,530Fees
USDA Loans
OverallSound
ProductExceptional
PricingSound
Pull ThroughSound
Volume65
Mix3.2%
Spread
+0.573%Above
Fees
$1,557Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,888 | 92.1% | +0.471%Above | $2,444Fees | ||||
Refinance | 161 | 7.9% | +0.435%Above | $2,894Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,888
Mix92.1%
Spread
+0.471%Above
Fees
$2,444Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume161
Mix7.9%
Spread
+0.435%Above
Fees
$2,894Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,049
Applications
3,192
Volume
$574 million
Pricing & Closing
Avg Rate Spread
+0.467%
vs. market APOR
Avg Net Fees
$2,484
Origination − Credits
Pullthrough Rate
64.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$280,310
Avg Borrower Income
$115,821
Avg Property Value
$327,430
Geographic Coverage
Geographic Performance
Metro Areas
22
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Midwest1
KS
South8
ALARFLLAMSOKTNTX
Top Metro Areas by Place Specialization Score
Volume 218Mix 10.64% of portfolio
100/100
Exceptional
2© No machine-readable author provided. Billy Hathorn assumed · CC BY-SA 3.0Texarkana, TX, TX-ARMetro
Volume 122Mix 5.95% of portfolio
100/100
Exceptional
Volume 91Mix 4.44% of portfolio
86/100
Exceptional
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 226Mix 11.03% of portfolio
79/100
Strong
Volume 52Mix 2.54% of portfolio
77/100
Strong
Volume 191Mix 9.32% of portfolio
71/100
Strong
Volume 78Mix 3.81% of portfolio
71/100
Strong
Volume 69Mix 3.37% of portfolio
70/100
Strong
Volume 47Mix 2.29% of portfolio
70/100
Strong
Volume 144Mix 7.03% of portfolio
68/100
StrongShowing 10 of 22 metro areas
Top States by Place Specialization Score
1
TexasState
Volume 1,649Mix 80.48% of portfolio
86/100
Exceptional2
ArkansasState
Volume 254Mix 12.40% of portfolio
75/100
Strong3
LouisianaState
Volume 88Mix 4.29% of portfolio
62/100
Strong4
TennesseeState
Volume 43Mix 2.10% of portfolio
51/100
SoundHow 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.