We analyzed every closed loan from Msa Mortgage — 650 loans across 843 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 9 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
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Report Card
Msa Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 465 | 71.5% | -0.325%Below | $1,445Fees | |||
FHA Loans | — | 141 | 21.7% | — | — | |||
VA Loans | — | 40 | 6.2% | — | — |
Conventional
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume465
Mix71.5%
Spread
-0.325%Below
Fees
$1,445Fees
FHA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume141
Mix21.7%
Spread—
Fees—
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume40
Mix6.2%
Spread—
Fees—
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | — | 576 | 88.6% | -0.241%Below | $1,445Fees | |||
Refinance | — | 74 | 11.4% | -0.367%Below | $1,445Fees |
Purchase
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume576
Mix88.6%
Spread
-0.241%Below
Fees
$1,445Fees
Refinance
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume74
Mix11.4%
Spread
-0.367%Below
Fees
$1,445Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
650
Applications
843
Volume
$342 million
Pricing & Closing
Pullthrough Rate
77.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$526,631
Avg Borrower Income
$160,238
Avg Property Value
$654,000
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
9Northeast6
CTMEMANHRIVT
South3
ALFLGA
Top Metro Areas by Place Specialization Score
Volume 202Mix 31.08% of portfolio
81/100
Exceptional
Volume 232Mix 35.69% of portfolio
81/100
Exceptional
Volume 52Mix 8.00% of portfolio
70/100
Strong
Volume 22Mix 3.38% of portfolio
56/100
Sound
Volume 17Mix 2.62% of portfolio
51/100
Sound
Volume 21Mix 3.23% of portfolio
51/100
Sound
Volume 13Mix 2.00% of portfolio
46/100
Sound
Volume 12Mix 1.85% of portfolio
43/100
Sound
Volume 10Mix 1.54% of portfolio
42/100
SoundTop States by Place Specialization Score
1
MassachusettsState
Volume 522Mix 80.31% of portfolio
84/100
Exceptional2
New HampshireState
Volume 32Mix 4.92% of portfolio
56/100
Sound3
VermontState
Volume 28Mix 4.31% of portfolio
55/100
Sound4
FloridaState
Volume 57Mix 8.77% of portfolio
52/100
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.