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The Money House

Independent Mortgage Company•San Juan, PRHQ•Direct•Reviews near you on Google

We analyzed every closed loan from The Money House — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Regional · 6 mkts
Safe Rate Awards
FHA Champion
FHA
Champion
USDA Champion
USDA
Champion
Purchase Champion
Purchase
Champion
Conventional Superstar
Conventional
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

The Money House performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 70.0 bps below market avg
Pull Through
Closing strength
Exceptional
Top 5% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 7 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume227
Mix18.9%
Spread
-0.862%Below
Fees
$3,893Fees
FHA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Exceptional
Volume816
Mix67.8%
Spread
-0.730%Below
Fees
$3,326Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume56
Mix4.7%
Spread
+0.001%Above
Fees
$3,644Fees
USDA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Strong
Pull Through
Exceptional
Volume105
Mix8.7%
Spread
-0.532%Below
Fees
$2,682Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Exceptional
Product
Exceptional
Pricing
Strong
Pull Through
Exceptional
Volume1,152
Mix95.7%
Spread
-0.701%Below
Fees
$3,479Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume52
Mix4.3%
Spread
-0.690%Below
Fees
$3,201Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,204
Applications
1,579
Volume
$174 million
Pricing & Closing
Avg Rate Spread
-0.700%
vs. market APOR
Avg Net Fees
$3,460
Origination − Credits
Pullthrough Rate
76.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$144,934
Avg Borrower Income
$67,980
Avg Property Value
$180,847

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
FLTX

Top Metro Areas by Place Specialization Score

1© laura0509 · CC BY-SA 2.0
Ponce, PRMetro
Volume 147Mix 12.21% of portfolio
100/100
Exceptional
2© Guaraguao · CC BY 2.0
Guayama, PRMetro
Volume 33Mix 2.74% of portfolio
100/100
Exceptional
3© Wilfredor · CC0
San Juan, PRMetro
Volume 800Mix 66.45% of portfolio
93/100
Exceptional
4© Rody PR · CC BY-SA 4.0
Mayaguez, PRMetro
Volume 96Mix 7.97% of portfolio
85/100
Exceptional
5© Agentex · CC BY 2.0
Arecibo, PRMetro
Volume 38Mix 3.16% of portfolio
76/100
Strong
6© Yarfpr · CC BY-SA 4.0
Aguadilla, PRMetro
Volume 28Mix 2.33% of portfolio
62/100
Strong

How 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.