We analyzed every closed loan from The Money House — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
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Safe Rate's Summary
What They Do Well
- Offers rates 70.00 basis points below market average
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
The Money House Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive Rates 70.0 bps below market avg | |
Pull Through Closing strength | Market Leader Top 5% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Regional7 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 227 | 18.9% | -0.862%Below | $3,893Fees | ||||
FHA Loans | 816 | 67.8% | -0.730%Below | $3,326Fees | ||||
VA Loans | 56 | 4.7% | +0.001%Above | $3,644Fees | ||||
USDA Loans | 105 | 8.7% | -0.532%Below | $2,682Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,152 | 95.7% | -0.701%Below | $3,479Fees | ||||
Refinance | 52 | 4.3% | -0.690%Below | $3,201Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
Top Metro Areas by Place Specialization Score
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)
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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