M/I Financial
We analyzed every closed loan from M/I Financial — 6.6k loans across 8k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 27 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Purchase
Superstar
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Rates 14.0 bps below market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
4,272 loans · 0.02% above market
Strong
Top 40% of lenders
4/5
FHA
1,696 loans · 0.38% below market
Exceptional
Top 20% of lenders
5/5
VA
583 loans · 0.89% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
6,556 loans · 0.14% below market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 27 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 | 4,272 | 65.2% | +0.024%Above | $4,094Fees | ||||
FHA Loans | 1,696 | 25.9% | -0.383%Below | $5,762Fees | ||||
VA Loans | 583 | 8.9% | -0.891%Below | $4,663Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume4,272
Mix65.2%
Spread
+0.024%Above
Fees
$4,094Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,696
Mix25.9%
Spread
-0.383%Below
Fees
$5,762Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume583
Mix8.9%
Spread
-0.891%Below
Fees
$4,663Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 6,556 | 100.0% | -0.140%Below | $4,532Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume6,556
Mix100.0%
Spread
-0.140%Below
Fees
$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
27
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 200200–500500–1,0001,000+None
Midwest5
ILINMIMNOH
South4
FLNCTNTX
Top Metro Areas by Place Specialization Score
Showing 10 of 27 metro areas
Top States by Place Specialization Score
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.