We analyzed every closed loan from MY Mortgage — 849 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Rates typically 84 basis points above market average
- Higher than average fees ($4,680)
Explore another lender or local market
Report Card
MY Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+83.7 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
425 loans · 0.84% above market
Sound
Top 60% of lenders
3/5
FHA
404 loans · 0.90% above market
Strong
Top 40% of lenders
4/5
VA
12 loans · 0.35% below market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
768 loans · 0.90% above market
Strong
Top 40% of lenders
4/5
Refinance
81 loans · 0.39% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 13 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 | 425 | 50.1% | +0.836%Above | $4,659Fees | ||||
FHA Loans | 404 | 47.6% | +0.898%Above | $4,810Fees | ||||
VA Loans | — | — | 12 | 1.4% | -0.354%Below | $3,221Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume425
Mix50.1%
Spread
+0.836%Above
Fees
$4,659Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume404
Mix47.6%
Spread
+0.898%Above
Fees
$4,810Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume12
Mix1.4%
Spread
-0.354%Below
Fees
$3,221Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 768 | 90.5% | +0.904%Above | $4,840Fees | ||||
Refinance | 81 | 9.5% | +0.393%Above | $3,611Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume768
Mix90.5%
Spread
+0.904%Above
Fees
$4,840Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume81
Mix9.5%
Spread
+0.393%Above
Fees
$3,611Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
849
Applications
1,227
Volume
$340 million
Pricing & Closing
Avg Rate Spread
+0.837%
vs. market APOR
Avg Net Fees
$4,680
Origination − Credits
Pullthrough Rate
69.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$400,925
Avg Borrower Income
$149,269
Avg Property Value
$453,810
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
17Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast3
CTNJPA
Midwest1
NE
South11
DCDEFLGAMDNCSCTNTXVAWV
West2
CACO
Top Metro Areas by Place Specialization Score
Showing 10 of 12 metro areas
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.