Mortgage Equity Partners
We analyzed every closed loan from Mortgage Equity Partners — 1.5k loans across 2k 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
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 24 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
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
Explore another lender or local market
Report Card
Mortgage Equity Partners performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+47.4 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,080 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
FHA
321 loans · 0.74% above market
Strong
Top 40% of lenders
4/5
VA
51 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,307 loans · 0.48% above market
Strong
Top 40% of lenders
4/5
Refinance
157 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 25 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 | 1,080 | 73.8% | +0.426%Above | $3,147Fees | ||||
FHA Loans | 321 | 21.9% | +0.736%Above | $4,665Fees | ||||
VA Loans | 51 | 3.5% | +0.058%Above | $4,285Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,080
Mix73.8%
Spread
+0.426%Above
Fees
$3,147Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume321
Mix21.9%
Spread
+0.736%Above
Fees
$4,665Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume51
Mix3.5%
Spread
+0.058%Above
Fees
$4,285Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,307 | 89.3% | +0.477%Above | $3,474Fees | ||||
Refinance | 157 | 10.7% | +0.451%Above | $3,556Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,307
Mix89.3%
Spread
+0.477%Above
Fees
$3,474Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume157
Mix10.7%
Spread
+0.451%Above
Fees
$3,556Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,464
Applications
1,917
Volume
$551 million
Pricing & Closing
Avg Rate Spread
+0.474%
vs. market APOR
Avg Net Fees
$3,484
Origination − Credits
Pullthrough Rate
76.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$376,557
Avg Borrower Income
$146,605
Avg Property Value
$493,832
Geographic Coverage
Geographic Performance
Metro Areas
24
markets with activity
States Served
21
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
21Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Northeast8
CTMEMANHNJPARIVT
South10
DCDEFLGAMDNCSCTNTXVA
West3
CACOWA
Top Metro Areas by Place Specialization Score
Showing 10 of 24 metro areas
Top States by Place Specialization Score
Showing 10 of 11 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.