Mortgage Financial Group
Mortgage Financial Group has 158 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
What They Do Well
- Particularly strong in FHA and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Mortgage Financial Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+29.1 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
70 loans · 0.26% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
59 loans · 0.42% above market
Strong
Top 40% of lenders
4/5
VA
15 loans · 0.29% below market
Sound
Top 60% of lenders
3/5
USDA
13 loans
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
140 loans · 0.31% above market
Sound
Top 60% of lenders
3/5
Refinance
18 loans · 0.15% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 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 | 70 | 44.3% | +0.264%Above | $2,977Fees | ||||
FHA Loans | 59 | 37.3% | +0.425%Above | $3,624Fees | ||||
VA Loans | — | — | 15 | 9.5% | -0.286%Below | $1,586Fees | ||
USDA Loans | — | — | 13 | 8.2% | — | — |
Conventional
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
Volume70
Mix44.3%
Spread
+0.264%Above
Fees
$2,977Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume59
Mix37.3%
Spread
+0.425%Above
Fees
$3,624Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume15
Mix9.5%
Spread
-0.286%Below
Fees
$1,586Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume13
Mix8.2%
Spread—
Fees—
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 140 | 88.6% | +0.314%Above | $3,194Fees | ||||
Refinance | — | 18 | 11.4% | +0.151%Above | $2,794Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume140
Mix88.6%
Spread
+0.314%Above
Fees
$3,194Fees
Refinance
OverallSound
ProductAcceptable
Pricing—
Pull ThroughStrong
Volume18
Mix11.4%
Spread
+0.151%Above
Fees
$2,794Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
158
Applications
196
Volume
$46 million
Pricing & Closing
Avg Rate Spread
+0.291%
vs. market APOR
Avg Net Fees
$3,138
Origination − Credits
Pullthrough Rate
80.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$292,532
Avg Borrower Income
$161,962
Avg Property Value
$358,797
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 2020+None
South4
FLGAKYNC
Top Metro Areas 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.