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We analyzed every closed loan from The Mortgage Firm — 3.1k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Multi-Region · 25 mkts
Safe Rate Awards⭐FHA Superstar
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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
Explore another lender or local market
Report Card
The Mortgage Firm, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +49.4 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% 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 | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% 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 Multi-Regional26 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,141 | 68.0% | +0.469%Above | $3,423Fees | ||||
FHA Loans | 688 | 21.9% | +0.737%Above | $3,435Fees | ||||
VA Loans | 254 | 8.1% | -0.050%Below | $3,409Fees | ||||
Jumbo Loans | 43 | 1.4% | +0.449%Above | $3,925Fees | ||||
USDA Loans | — | 22 | 0.7% | +0.321%Above | $2,080Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,933 | 93.2% | +0.498%Above | $3,386Fees | ||||
Refinance | 215 | 6.8% | +0.443%Above | $3,935Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,148
Applications
4,083
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.494%
vs. market APOR
Avg Net Fees
$3,426
Origination − Credits
Pullthrough Rate
77.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$328,707
Avg Borrower Income
$145,972
Avg Property Value
$426,366
Geographic Coverage
Geographic Performance
Metro Areas
25
States Served
19
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Palm Bay, FLMSA
Volume: 534Mix: 16.96%of portfolio
Place
Exceptional2
Pensacola, FLMSA
Volume: 267Mix: 8.48%of portfolio
Place
Exceptional3
Orlando, FLMSA
Volume: 490Mix: 15.57%of portfolio
Place
Exceptional4
Deltona, FLMSA
Volume: 180Mix: 5.72%of portfolio
Place
Exceptional5
West Palm Beach, FLMSA
Volume: 235Mix: 7.47%of portfolio
Place
Exceptional6
Tampa, FL, FLMSA
Volume: 294Mix: 9.34%of portfolio
Place
Strong7
North Port, FLMSA
Volume: 141Mix: 4.48%of portfolio
Place
Strong8
Port St. Lucie, FL, FLMSA
Volume: 96Mix: 3.05%of portfolio
Place
Strong9
St. Petersburg, FLMSA
Volume: 104Mix: 3.30%of portfolio
Place
Strong10
Punta Gorda, FL, FLMSA
Volume: 59Mix: 1.87%of portfolio
Place
StrongShowing 10 of 25 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 2,773Mix: 88.09%of portfolio
Place
Exceptional2
LAState
Volume: 165Mix: 5.24%of portfolio
Place
Strong3
ALState
Volume: 72Mix: 2.29%of portfolio
Place
Sound4
GAState
Volume: 45Mix: 1.43%of portfolio
Place
Sound5
NCState
Volume: 27Mix: 0.86%of portfolio
Place
Sound6
TNState
Volume: 16Mix: 0.51%of portfolio
Place
Acceptable7
TXState
Volume: 15Mix: 0.48%of portfolio
Place
AcceptableHow 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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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.