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MMS

Metroplex Mortgage Services

Independent Mortgage CompanySaint Petersburg, FLHQDirectReviews near you on Google

Metroplex Mortgage Services has 178 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Particularly strong in VA and USDA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Metroplex Mortgage Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+26.8 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
51 loans · 0.36% above market
Sound
Top 60% of lenders
3/5
FHA
15 loans · 0.49% above market
Sound
Top 60% of lenders
3/5
VA
37 loans · 0.13% below market
Strong
Top 40% of lenders
4/5
USDA
75 loans · 0.25% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
135 loans · 0.37% above market
Sound
Top 60% of lenders
3/5
Refinance
43 loans · 0.06% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume51
Mix28.7%
Spread
+0.358%Above
Fees
$3,824Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Pull Through
Volume15
Mix8.4%
Spread
+0.491%Above
Fees
$4,293Fees
VA Loans
Overall
Exceptional
Product
Strong
Pricing
Pull Through
Exceptional
Volume37
Mix20.8%
Spread
-0.126%Below
Fees
$2,986Fees
USDA Loans
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume75
Mix42.1%
Spread
+0.251%Above
Fees
$3,746Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume135
Mix75.8%
Spread
+0.366%Above
Fees
$3,632Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume43
Mix24.2%
Spread
-0.055%Below
Fees
$4,025Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
178
Applications
236
Volume
$43 million
Pricing & Closing
Avg Rate Spread
+0.268%
vs. market APOR
Avg Net Fees
$3,724
Origination − Credits
Pullthrough Rate
75.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$244,551
Avg Borrower Income
$91,972
Avg Property Value
$277,321

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

3Full-year 2024 · HMDA
3 states with loan originations
Loans originated
All statesNone
South3
ALFLTX

Top Metro Areas by Place Specialization Score

1© Ebyabe · CC BY-SA 3.0
Sebring, FLMetro
Volume 93Mix 52.25% of portfolio
100/100
Exceptional
2© Paul Clark · CC BY 2.0
Homosassa Springs, FLMetro
Volume 17Mix 9.55% of portfolio
64/100
Strong

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 176Mix 98.88% of portfolio
69/100
Strong

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
Champion(80%+ = 40-50 points)
Superstar
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.