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MORTGAGE INVESTMENT SERVICES CORPORATION
Independent Mortgage Company|Shawnee, KS|Multi-Region
Loans Originated
364
Applications
633
Volume
$66 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Safe Rate Awards⭐VA Superstar⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.597%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,750
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
57.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA and USDA loans
Things to Think About
- Rates typically 60 basis points above market average
Report Card
MORTGAGE INVESTMENT SERVICES CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 6 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$184,038
Average Borrower Income
$90,168
Average Property Value
$231,923
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 140 | 38.5% | +0.514% | $2,199 |
FHA Loans | Sound | Strong | Sound | Sound | 113 | 31.0% | +0.790% | $1,735 |
VA Loans | Strong | Strong | Sound | Strong | 37 | 10.2% | +0.004% | $1,298 |
USDA Loans | Strong | Exceptional | Sound | Sound | 74 | 20.3% | +0.834% | $821 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 288 | 79.1% | +0.662% | $1,529 |
Refinance | Acceptable | Sound | Mediocre | Sound | 76 | 20.9% | +0.409% | $2,390 |
Geographic Coverage
Metro Areas
5
States Served
6
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARCOKSMONEOK
Top Metro Areas by Place Specialization Score
1
Topeka, KS, KSMSA
Volume: 24Mix: 6.59%
Place Specialization
Sound
2
Kansas City, MO, MO-KSMSA
Volume: 28Mix: 7.69%
Place Specialization
Sound
3
Oklahoma City, OK, OKMSA
Volume: 16Mix: 4.40%
Place Specialization
Sound
4
Tulsa, OK, OKMSA
Volume: 11Mix: 3.02%
Place Specialization
Sound
5
Wichita, KS, KSMSA
Volume: 10Mix: 2.75%
Place Specialization
Sound
Top States by Place Specialization Score
1
KSState
Volume: 201Mix: 55.22%
Place Specialization
Exceptional
2
OKState
Volume: 99Mix: 27.20%
Place Specialization
Strong
3
MOState
Volume: 58Mix: 15.93%
Place Specialization
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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