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Mortgage Lenders Investment Trading Corporation

Independent Mortgage CompanyOxford, MSDirect to Consumer

We analyzed every closed loan from Mortgage Lenders Investment Trading 601 loans across 815 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
Strong
FHA · Conventional · VA
Place
Strong
Regional · 10 mkts

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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

Things to Think About

  • Rates typically 72 basis points above market average
  • Higher than average fees ($4,116)

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Report Card

Mortgage Lenders Investment Trading Corporation performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
Below peers
+71.8 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional11 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Strong
Mediocre
Strong
35659.2%
+0.656%Above
$3,743Fees
FHA Loans
Sound
Strong
Mediocre
Strong
19231.9%
+0.871%Above
$4,364Fees
VA Loans
Sound
Strong
Mediocre
Strong
477.8%
+0.212%Above
$3,782Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Mediocre
Strong
43772.7%
+0.711%Above
$4,100Fees
Refinance
Sound
Strong
Acceptable
Strong
16427.3%
+0.730%Above
$4,145Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
601
Applications
815
Volume
$188 million
Pricing & Closing
Avg Rate Spread
+0.718%
vs. market APOR
Avg Net Fees
$4,116
Origination − Credits
Pullthrough Rate
73.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$313,103
Avg Borrower Income
$127,800
Avg Property Value
$404,667

Geographic Coverage

Geographic Performance

Metro Areas
10
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

ALFLGASC

Top Metro Areas by Place Specialization Score

1
Gainesville, FL, FLMSA
Volume: 128Mix: 21.30%of portfolio
Place
Exceptional
2
Orlando, FLMSA
Volume: 137Mix: 22.80%of portfolio
Place
Strong
3
Deltona, FLMSA
Volume: 66Mix: 10.98%of portfolio
Place
Strong
4
Ocala, FL, FLMSA
Volume: 29Mix: 4.83%of portfolio
Place
Strong
5
Charleston, SCMSA
Volume: 33Mix: 5.49%of portfolio
Place
Sound
6
Tampa, FL, FLMSA
Volume: 38Mix: 6.32%of portfolio
Place
Sound
7
Lakeland, FLMSA
Volume: 25Mix: 4.16%of portfolio
Place
Sound
8
Palm Bay, FLMSA
Volume: 25Mix: 4.16%of portfolio
Place
Sound
9
Jacksonville, FL, FLMSA
Volume: 20Mix: 3.33%of portfolio
Place
Sound
10
St. Petersburg, FLMSA
Volume: 13Mix: 2.16%of portfolio
Place
Sound

Top States by Place Specialization Score

1
FLState
Volume: 557Mix: 92.68%of portfolio
Place
Strong
2
SCState
Volume: 40Mix: 6.66%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.