Moria Development
We analyzed every closed loan from Moria Development — 2.5k loans across 3k 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
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 22 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 and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Moria Development performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+49.8 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,403 loans · 0.51% above market
Strong
Top 40% of lenders
4/5
FHA
765 loans · 0.67% above market
Exceptional
Top 20% of lenders
5/5
VA
281 loans · 0.10% below market
Strong
Top 40% of lenders
4/5
Jumbo
38 loans · 0.67% above market
Strong
Top 40% of lenders
4/5
USDA
36 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,187 loans · 0.52% above market
Exceptional
Top 20% of lenders
5/5
Refinance
336 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 23 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 | 1,403 | 55.6% | +0.509%Above | $3,556Fees | ||||
FHA Loans | 765 | 30.3% | +0.666%Above | $4,198Fees | ||||
VA Loans | 281 | 11.1% | -0.096%Below | $2,889Fees | ||||
Jumbo Loans | 38 | 1.5% | +0.672%Above | $4,184Fees | ||||
USDA Loans | — | 36 | 1.4% | +0.350%Above | $2,088Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,403
Mix55.6%
Spread
+0.509%Above
Fees
$3,556Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume765
Mix30.3%
Spread
+0.666%Above
Fees
$4,198Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume281
Mix11.1%
Spread
-0.096%Below
Fees
$2,889Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume38
Mix1.5%
Spread
+0.672%Above
Fees
$4,184Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume36
Mix1.4%
Spread
+0.350%Above
Fees
$2,088Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,187 | 86.7% | +0.521%Above | $3,723Fees | ||||
Refinance | 336 | 13.3% | +0.352%Above | $3,462Fees |
Purchase
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume2,187
Mix86.7%
Spread
+0.521%Above
Fees
$3,723Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume336
Mix13.3%
Spread
+0.352%Above
Fees
$3,462Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,523
Applications
3,440
Volume
$891 million
Pricing & Closing
Avg Rate Spread
+0.498%
vs. market APOR
Avg Net Fees
$3,688
Origination − Credits
Pullthrough Rate
73.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$353,355
Avg Borrower Income
$144,662
Avg Property Value
$439,871
Geographic Coverage
Geographic Performance
Metro Areas
22
markets with activity
States Served
35
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
35Full-year 2024 · HMDALoans originated
< 1010–2020–5050–200200+None
Northeast2
NJPA
Midwest8
IAILINMIMNNEOHWI
South15
ALARDCDEFLGAKYMDNCOKSCTNTXVAWV
West10
AZCACOIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 22 metro areas
Top States by Place Specialization Score
Showing 10 of 19 states
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.