What loan types does MY MORTGAGE, INC. offer?

MY MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does MY MORTGAGE, INC. offer mortgages?

MY MORTGAGE, INC. offers mortgages in 17 states: CA, CO, CT, DC, DE, FL, GA, MD, NC, NE, NJ, PA, SC, TN, TX, VA, WV.

How competitive are MY MORTGAGE, INC.'s mortgage rates?

MY MORTGAGE, INC. has an overall pricing score of 9.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is MY MORTGAGE, INC.?

MY MORTGAGE, INC. is a Independent Mortgage Company headquartered in PASADENA, MD.

Unclaimed

My Mortgage, Inc.

Independent Mortgage Company•PASADENA, MD•Direct to Consumer

We analyzed every closed loan from My Mortgage — 849 loans across 1k 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

Sound

Multi-Region · 12 mkts

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Safe Rate's Summary

What They Do Well

Strong pull through performance

Things to Think About

Rates typically 84 basis points above market average
Higher than average fees ($4,680)

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Report Card

My Mortgage, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +83.7 bps above market avg
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	Acceptable	Near industry average Bottom 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-Regional13 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Sound	425	50.1%	+0.836%Above	$4,659Fees
FHA Loans	Sound	Strong	Mediocre	Strong	404	47.6%	+0.898%Above	$4,810Fees
VA Loans	Acceptable	Acceptable	—	—	12	1.4%	-0.354%Below	$3,221Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Strong	Mediocre	Sound	768	90.5%	+0.904%Above	$4,840Fees
Refinance	Acceptable	Sound	Mediocre	Sound	81	9.5%	+0.393%Above	$3,611Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

849

Applications

1,227

Volume

$340 million

Pricing & Closing

Avg Rate Spread

+0.837%

vs. market APOR

Avg Net Fees

$4,680

Origination − Credits

Pullthrough Rate

69.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$400,925

Avg Borrower Income

$149,269

Avg Property Value

$453,810

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

CACOCTDCDEFLGAMDNCNENJPASCTNTXVAWV

Top Metro Areas by Place Specialization Score

Miami, FLMSA

Volume: 240Mix: 28.27%of portfolio

Place

Exceptional

Tampa, FL, FLMSA

Volume: 174Mix: 20.49%of portfolio

Place

Strong

Fort Lauderdale, FLMSA

Volume: 65Mix: 7.66%of portfolio

Place

Strong

Orlando, FLMSA

Volume: 71Mix: 8.36%of portfolio

Place

Strong

Cape Coral, FLMSA

Volume: 30Mix: 3.53%of portfolio

Place

Sound

Baltimore, MDMSA

Volume: 31Mix: 3.65%of portfolio

Place

Sound

Washington, DC, DC-MDMSA

Volume: 22Mix: 2.59%of portfolio

Place

Sound

Lakeland, FLMSA

Volume: 21Mix: 2.47%of portfolio

Place

Sound

Ocala, FL, FLMSA

Volume: 13Mix: 1.53%of portfolio

Place

Sound

West Palm Beach, FLMSA

Volume: 11Mix: 1.30%of portfolio

Place

Sound

Showing 10 of 12 metro areas

Top States by Place Specialization Score

FLState

Volume: 690Mix: 81.27%of portfolio

Place

Strong

MDState

Volume: 62Mix: 7.30%of portfolio

Place

Sound

WVState

Volume: 19Mix: 2.24%of portfolio

Place

Sound

NJState

Volume: 26Mix: 3.06%of portfolio

Place

Sound

VAState

Volume: 10Mix: 1.18%of portfolio

Place

Acceptable

TXState

Volume: 11Mix: 1.30%of portfolio

Place

Acceptable

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.