MK Lending
We analyzed every closed loan from MK Lending — 715 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 10 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in FHA and Jumbo loans
Things to Think About
- Rates typically 52 basis points above market average
Explore another lender or local market
Report Card
MK Lending performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+51.7 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
612 loans · 0.47% above market
Sound
Top 60% of lenders
3/5
FHA
69 loans · 0.68% above market
Strong
Top 40% of lenders
4/5
Jumbo
34 loans · 1.21% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
519 loans · 0.51% above market
Sound
Top 60% of lenders
3/5
Refinance
196 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 612 | 85.6% | +0.468%Above | $3,730Fees | ||||
FHA Loans | 69 | 9.7% | +0.684%Above | $3,855Fees | ||||
Jumbo Loans | — | 34 | 4.8% | +1.213%Above | $3,577Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume612
Mix85.6%
Spread
+0.468%Above
Fees
$3,730Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume69
Mix9.7%
Spread
+0.684%Above
Fees
$3,855Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume34
Mix4.8%
Spread
+1.213%Above
Fees
$3,577Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 519 | 72.6% | +0.506%Above | $3,897Fees | ||||
Refinance | 196 | 27.4% | +0.551%Above | $3,240Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume519
Mix72.6%
Spread
+0.506%Above
Fees
$3,897Fees
Refinance
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume196
Mix27.4%
Spread
+0.551%Above
Fees
$3,240Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
715
Applications
1,255
Volume
$423 million
Pricing & Closing
Avg Rate Spread
+0.517%
vs. market APOR
Avg Net Fees
$3,741
Origination − Credits
Pullthrough Rate
57.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$592,371
Avg Borrower Income
$233,260
Avg Property Value
$888,077
Geographic Coverage
Geographic Performance
Metro Areas
10
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
< 2020+None
Northeast1
NJ
South5
FLGAMDTXVA
West3
AZCAWA
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.