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THE MORTGAGE FIRM, INC.
Independent Mortgage Company|Tallahassee, FL|Multi-Region
Loans Originated
3,148
Applications
4,083
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.494%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,426
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Report Card
THE MORTGAGE FIRM, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 26 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$328,707
Average Borrower Income
$145,972
Average Property Value
$426,366
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 2,141 | 68.0% | +0.469% | $3,423 |
FHA Loans | Strong | Exceptional | Acceptable | Exceptional | 688 | 21.9% | +0.737% | $3,435 |
VA Loans | Sound | Strong | Mediocre | Strong | 254 | 8.1% | -0.050% | $3,409 |
Jumbo Loans | Acceptable | Strong | Mediocre | Sound | 43 | 1.4% | +0.449% | $3,925 |
USDA Loans | Sound | Sound | N/A | Sound | 22 | 0.7% | +0.321% | $2,080 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 2,933 | 93.2% | +0.498% | $3,386 |
Refinance | Sound | Strong | Acceptable | Strong | 215 | 6.8% | +0.443% | $3,935 |
Geographic Coverage
Metro Areas
25
States Served
19
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Palm Bay, FLMSA
Volume: 534Mix: 16.96%
Place Specialization
Exceptional
2
Pensacola, FLMSA
Volume: 267Mix: 8.48%
Place Specialization
Exceptional
3
Orlando, FLMSA
Volume: 490Mix: 15.57%
Place Specialization
Exceptional
4
Deltona, FLMSA
Volume: 180Mix: 5.72%
Place Specialization
Exceptional
5
West Palm Beach, FLMSA
Volume: 235Mix: 7.47%
Place Specialization
Exceptional
6
Tampa, FL, FLMSA
Volume: 294Mix: 9.34%
Place Specialization
Strong
7
North Port, FLMSA
Volume: 141Mix: 4.48%
Place Specialization
Strong
8
Port St. Lucie, FL, FLMSA
Volume: 96Mix: 3.05%
Place Specialization
Strong
9
St. Petersburg, FLMSA
Volume: 104Mix: 3.30%
Place Specialization
Strong
10
Punta Gorda, FL, FLMSA
Volume: 59Mix: 1.87%
Place Specialization
Strong
Showing 10 of 25 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 2,773Mix: 88.09%
Place Specialization
Exceptional
2
LAState
Volume: 165Mix: 5.24%
Place Specialization
Strong
3
ALState
Volume: 72Mix: 2.29%
Place Specialization
Sound
4
GAState
Volume: 45Mix: 1.43%
Place Specialization
Sound
5
NCState
Volume: 27Mix: 0.86%
Place Specialization
Sound
6
TNState
Volume: 16Mix: 0.51%
Place Specialization
Acceptable
7
TXState
Volume: 15Mix: 0.48%
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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