What loan types does M/I FINANCIAL, LLC offer?

M/I FINANCIAL, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does M/I FINANCIAL, LLC offer mortgages?

M/I FINANCIAL, LLC offers mortgages in 9 states: FL, IL, IN, MI, MN, NC, OH, TN, TX.

How competitive are M/I FINANCIAL, LLC's mortgage rates?

M/I FINANCIAL, LLC has an overall pricing score of 37.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is M/I FINANCIAL, LLC?

M/I FINANCIAL, LLC is a Independent Mortgage Company headquartered in UPPER ARLINGTON, OH.

Unclaimed

M/i Financial, LLC

Independent Mortgage Company•UPPER ARLINGTON, OH•Direct

We analyzed every closed loan from Mi Financial — 6.6k loans across 8k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Strong

closing strength

Products

Exceptional

FHA · Conventional · VA

Place

Strong

Multi-Region · 27 mkts

Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase 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 loans

Things to Think About

Pricing may be below industry average
Higher than average fees ($4,531)

Explore another lender or local market

Report Card

M/i Financial, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average Rates 14.0 bps below market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Exceptional	Market Leader Top 20% of lenders
VA	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Exceptional	Market Leader Top 20% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Strong	Highly Competitive Top 40% of lenders Multi-Regional27 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Strong	4,272	65.2%	+0.024%Above	$4,094Fees
FHA Loans	Strong	Exceptional	Sound	Strong	1,696	25.9%	-0.383%Below	$5,762Fees
VA Loans	Strong	Exceptional	Sound	Exceptional	583	8.9%	-0.891%Below	$4,663Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	6,556	100.0%	-0.140%Below	$4,532Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

6,557

Applications

8,417

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

-0.140%

vs. market APOR

Avg Net Fees

$4,531

Origination − Credits

Pullthrough Rate

77.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$400,167

Avg Borrower Income

$160,851

Avg Property Value

$495,732

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

FLILINMIMNNCOHTNTX

Top Metro Areas by Place Specialization Score

Columbus, OH, OHMSA

Volume: 654Mix: 9.97%of portfolio

Place

Exceptional

North Port, FLMSA

Volume: 306Mix: 4.67%of portfolio

Place

Exceptional

Tampa, FL, FLMSA

Volume: 505Mix: 7.70%of portfolio

Place

Exceptional

Dallas, TXMSA

Volume: 642Mix: 9.79%of portfolio

Place

Exceptional

Elgin, IL, ILMSA

Volume: 161Mix: 2.46%of portfolio

Place

Exceptional

Indianapolis, INMSA

Volume: 414Mix: 6.31%of portfolio

Place

Exceptional

Austin, TXMSA

Volume: 310Mix: 4.73%of portfolio

Place

Exceptional

Minneapolis, MN-WIMSA

Volume: 586Mix: 8.94%of portfolio

Place

Strong

Charlotte, NC-SCMSA

Volume: 373Mix: 5.69%of portfolio

Place

Strong

Orlando, FLMSA

Volume: 363Mix: 5.54%of portfolio

Place

Strong

Showing 10 of 27 metro areas

Top States by Place Specialization Score

TXState

Volume: 1,888Mix: 28.79%of portfolio

Place

Exceptional

OHState

Volume: 1,006Mix: 15.34%of portfolio

Place

Exceptional

FLState

Volume: 1,261Mix: 19.23%of portfolio

Place

Strong

MNState

Volume: 586Mix: 8.94%of portfolio

Place

Strong

ILState

Volume: 489Mix: 7.46%of portfolio

Place

Strong

NCState

Volume: 690Mix: 10.52%of portfolio

Place

Strong

INState

Volume: 414Mix: 6.31%of portfolio

Place

Strong

MIState

Volume: 182Mix: 2.78%of portfolio

Place

Strong

TNState

Volume: 41Mix: 0.63%of portfolio

Place

Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.