Mde Home Loans
Mde Home Loans has 306 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Refinance
Superstar
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Report Card
Mde Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+16.8 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
240 loans · 0.14% above market
Sound
Top 60% of lenders
3/5
FHA
37 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
VA
20 loans · 0.07% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
263 loans · 0.20% above market
Sound
Top 60% of lenders
3/5
Refinance
43 loans · 0.03% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 240 | 78.4% | +0.140%Above | $1,518Fees | ||||
FHA Loans | 37 | 12.1% | +0.545%Above | $3,669Fees | ||||
VA Loans | — | 20 | 6.5% | -0.068%Below | $4,420Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume240
Mix78.4%
Spread
+0.140%Above
Fees
$1,518Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume37
Mix12.1%
Spread
+0.545%Above
Fees
$3,669Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume20
Mix6.5%
Spread
-0.068%Below
Fees
$4,420Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 263 | 85.9% | +0.198%Above | $2,506Fees | ||||
Refinance | 43 | 14.1% | +0.031%Above | $1,307Credit |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume263
Mix85.9%
Spread
+0.198%Above
Fees
$2,506Fees
Refinance
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume43
Mix14.1%
Spread
+0.031%Above
Fees
$1,307Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
306
Applications
415
Volume
$167 million
Pricing & Closing
Avg Rate Spread
+0.168%
vs. market APOR
Avg Net Fees
$1,824
Origination − Credits
Pullthrough Rate
73.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$545,752
Avg Borrower Income
$190,500
Avg Property Value
$700,784
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast2
NJPA
South9
ALDEFLMDNCSCTNTXVA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.