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Midflorida

Credit Union•Lakeland, FLHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Midflorida — 949 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Midflorida performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+4.4 bps above market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
888 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
Jumbo
61 loans · 0.33% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
734 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
Refinance
215 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 14 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume888
Mix93.6%
Spread
+0.057%Above
Fees
$1,030Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume61
Mix6.4%
Spread
-0.330%Below
Fees
$1,168Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume734
Mix77.3%
Spread
-0.046%Below
Fees
$1,324Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume215
Mix22.7%
Spread
+0.240%Above
Fees
$411Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
949
Applications
2,314
Volume
$328 million
Pricing & Closing
Avg Rate Spread
+0.044%
vs. market APOR
Avg Net Fees
$1,034
Origination − Credits
Pullthrough Rate
41.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$346,022
Avg Borrower Income
$185,823
Avg Property Value
$567,076

Geographic Coverage

Geographic Performance

Metro Areas
13
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6Full-year 2024 · HMDA
6 states with loan originations
Loans originated
All statesNone
South6
ALFLGANCSCTN

Top Metro Areas by Place Specialization Score

1© Butter142 · CC BY-SA 4.0
Lakeland, FLMetro
Volume 288Mix 30.35% of portfolio
91/100
Exceptional
2© Ebyabe · CC BY-SA 3.0
Sebring, FLMetro
Volume 72Mix 7.59% of portfolio
88/100
Exceptional
3© Ebyabe · CC BY 2.5
Ocala, FLMetro
Volume 62Mix 6.53% of portfolio
72/100
Strong
4© Interface Multimedia, Inc. · CC BY-SA 4.0
Tampa, FLMetro
Volume 128Mix 13.49% of portfolio
71/100
Strong
5© Ebyabe · CC BY-SA 3.0
Sebastian, FLMetro
Volume 29Mix 3.06% of portfolio
71/100
Strong
6© Dough4872 · CC BY-SA 4.0
Port St. Lucie, FLMetro
Volume 47Mix 4.95% of portfolio
66/100
Strong
7© P,TO 19104 · CC BY-SA 4.0
Naples, FLMetro
Volume 26Mix 2.74% of portfolio
62/100
Strong
8© Jrozwado · CC BY-SA 4.0
St. Petersburg, FLMetro
Volume 42Mix 4.43% of portfolio
62/100
Strong
9© The Floridian Boricua · CC BY-SA 2.0
Orlando, FLMetro
Volume 58Mix 6.11% of portfolio
61/100
Strong
10© Paul Clark · CC BY 2.0
Homosassa Springs, FLMetro
Volume 21Mix 2.21% of portfolio
60/100
Sound
Showing 10 of 13 metro areas

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 938Mix 98.84% of portfolio
82/100
Exceptional

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.