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Mortgage Lenders Investment Trading Corporation
Independent Mortgage Company|Oxford, MS|Regional
Loans Originated
601
Applications
815
Volume
$188 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.718%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,116
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.7%
Percentage of applications that result in closed loans
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)
Report Card
Mortgage Lenders Investment Trading Corporation performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Regional · 11 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$313,103
Average Borrower Income
$127,800
Average Property Value
$404,667
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 356 | 59.2% | +0.656% | $3,743 |
FHA Loans | Sound | Strong | Mediocre | Strong | 192 | 31.9% | +0.871% | $4,364 |
VA Loans | Sound | Strong | Mediocre | Strong | 47 | 7.8% | +0.212% | $3,782 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 437 | 72.7% | +0.711% | $4,100 |
Refinance | Sound | Strong | Acceptable | Strong | 164 | 27.3% | +0.730% | $4,145 |
Geographic Coverage
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%
Place Specialization
Exceptional
2
Orlando, FLMSA
Volume: 137Mix: 22.80%
Place Specialization
Strong
3
Deltona, FLMSA
Volume: 66Mix: 10.98%
Place Specialization
Strong
4
Ocala, FL, FLMSA
Volume: 29Mix: 4.83%
Place Specialization
Strong
5
Charleston, SCMSA
Volume: 33Mix: 5.49%
Place Specialization
Sound
6
Tampa, FL, FLMSA
Volume: 38Mix: 6.32%
Place Specialization
Sound
7
Lakeland, FLMSA
Volume: 25Mix: 4.16%
Place Specialization
Sound
8
Palm Bay, FLMSA
Volume: 25Mix: 4.16%
Place Specialization
Sound
9
Jacksonville, FL, FLMSA
Volume: 20Mix: 3.33%
Place Specialization
Sound
10
St. Petersburg, FLMSA
Volume: 13Mix: 2.16%
Place Specialization
Sound
Top States by Place Specialization Score
1
FLState
Volume: 557Mix: 92.68%
Place Specialization
Strong
2
SCState
Volume: 40Mix: 6.66%
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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