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Msa Mortgage, LLC

Independent Mortgage CompanyWINTHROP, MADirect to Consumer

We analyzed every closed loan from Msa Mortgage 650 loans across 843 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA
Place
Sound
Multi-Region · 9 mkts

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans

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Report Card

Msa Mortgage, LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
N/A
No peer data
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% 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
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional10 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
46571.5%
-0.325%Below
$1,445Fees
FHA Loans
Strong
Strong
Strong
14121.7%
VA Loans
Strong
Strong
Exceptional
406.2%

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Sound
57688.6%
-0.241%Below
$1,445Fees
Refinance
Sound
Sound
Strong
7411.4%
-0.367%Below
$1,445Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
650
Applications
843
Volume
$342 million
Typical Borrower
Avg Loan Amount
$526,631
Avg Borrower Income
$160,238
Avg Property Value
$654,000

Geographic Coverage

Geographic Performance

Metro Areas
9
States Served
9
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

ALCTFLGAMAMENHRIVT

Top Metro Areas by Place Specialization Score

1
Boston, MA, MAMSA
Volume: 202Mix: 31.08%of portfolio
Place
Exceptional
2
Cambridge, MAMSA
Volume: 232Mix: 35.69%of portfolio
Place
Exceptional
3
Worcester, MA, MAMSA
Volume: 52Mix: 8.00%of portfolio
Place
Strong
4
Crestview, FLMSA
Volume: 22Mix: 3.38%of portfolio
Place
Sound
5
Manchester, NHMSA
Volume: 17Mix: 2.62%of portfolio
Place
Sound
6
Providence, RI-MAMSA
Volume: 21Mix: 3.23%of portfolio
Place
Sound
7
Pensacola, FLMSA
Volume: 13Mix: 2.00%of portfolio
Place
Sound
8
Jacksonville, FL, FLMSA
Volume: 12Mix: 1.85%of portfolio
Place
Sound
9
Rockingham County, NHMSA
Volume: 10Mix: 1.54%of portfolio
Place
Sound

Top States by Place Specialization Score

1
MAState
Volume: 522Mix: 80.31%of portfolio
Place
Exceptional
2
NHState
Volume: 32Mix: 4.92%of portfolio
Place
Sound
3
VTState
Volume: 28Mix: 4.31%of portfolio
Place
Sound
4
FLState
Volume: 57Mix: 8.77%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.