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Mid Valley Services

Independent Mortgage Company•Fresno, CAHQ•Direct•Reviews near you on Google

Mid Valley Services has 23 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
Pull-through
Acceptable
2/5
closing strength
Product
Mediocre
1/5
Conventional
Place
Sound
3/5
Single State · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Mid Valley Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
22 loans · 0.66% above market
Mediocre
Bottom 20% of lenders
1/5
By Loan Purpose· Transaction purpose mix
Refinance
15 loans · 0.72% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Mediocre
Pricing—
Pull Through
Sound
Volume22
Mix95.7%
Spread
+0.662%Above
Fees
$3,866Fees

Loan Purpose Performance

Performance by Loan Purpose

Refinance
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Strong
Volume15
Mix65.2%
Spread
+0.720%Above
Fees
$3,696Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
23
Applications
36
Volume
$8 million
Pricing & Closing
Pullthrough Rate
63.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$348,913
Avg Borrower Income
$228,609
Avg Property Value
$895,870

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

1Full-year 2024 · HMDA
1 states with loan originations
Loans originated
< 2020+None
West1
CA

Top Metro Areas by Place Specialization Score

1© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Fresno, CAMetro
Volume 15Mix 65.22% of portfolio
57/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 23Mix 100.00% of portfolio
54/100
Sound

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.