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MY MORTGAGE, INC.
Independent Mortgage Company|PASADENA, MD|Multi-Region
Loans Originated
849
Applications
1,227
Volume
$340 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.837%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,680
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.2%
Percentage of applications that result in closed loans
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)
Report Card
MY MORTGAGE, INC. 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 | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 13 metro areas · 17 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$400,925
Average Borrower Income
$149,269
Average Property Value
$453,810
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% | $4,659 |
FHA Loans | Sound | Strong | Mediocre | Strong | 404 | 47.6% | +0.898% | $4,810 |
VA Loans | Acceptable | Acceptable | N/A | N/A | 12 | 1.4% | -0.354% | $3,221 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 768 | 90.5% | +0.904% | $4,840 |
Refinance | Acceptable | Sound | Mediocre | Sound | 81 | 9.5% | +0.393% | $3,611 |
Geographic Coverage
Metro Areas
12
States Served
17
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
CACOCTDCDEFLGAMDNCNENJPASCTNTXVAWV
Top Metro Areas by Place Specialization Score
1
Miami, FLMSA
Volume: 240Mix: 28.27%
Place Specialization
Exceptional
2
Tampa, FL, FLMSA
Volume: 174Mix: 20.49%
Place Specialization
Strong
3
Fort Lauderdale, FLMSA
Volume: 65Mix: 7.66%
Place Specialization
Strong
4
Orlando, FLMSA
Volume: 71Mix: 8.36%
Place Specialization
Strong
5
Cape Coral, FLMSA
Volume: 30Mix: 3.53%
Place Specialization
Sound
6
Baltimore, MDMSA
Volume: 31Mix: 3.65%
Place Specialization
Sound
7
Washington, DC, DC-MDMSA
Volume: 22Mix: 2.59%
Place Specialization
Sound
8
Lakeland, FLMSA
Volume: 21Mix: 2.47%
Place Specialization
Sound
9
Ocala, FL, FLMSA
Volume: 13Mix: 1.53%
Place Specialization
Sound
10
West Palm Beach, FLMSA
Volume: 11Mix: 1.30%
Place Specialization
Sound
Showing 10 of 12 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 690Mix: 81.27%
Place Specialization
Strong
2
MDState
Volume: 62Mix: 7.30%
Place Specialization
Sound
3
WVState
Volume: 19Mix: 2.24%
Place Specialization
Sound
4
NJState
Volume: 26Mix: 3.06%
Place Specialization
Sound
5
VAState
Volume: 10Mix: 1.18%
Place Specialization
Acceptable
6
TXState
Volume: 11Mix: 1.30%
Place Specialization
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)
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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