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Mycumortgage

Independent Mortgage Company•Beavercreek, OHHQ•Direct•Reviews near you on Google

Mycumortgage has 348 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
FHA Superstar
FHA
Superstar

Explore another lender or local market

Report Card

Mycumortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+67.0 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
156 loans · 0.41% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
182 loans · 0.89% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
290 loans · 0.67% above market
Sound
Top 60% of lenders
3/5
Refinance
58 loans · 0.67% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Sound
Pull Through
Sound
Volume156
Mix44.8%
Spread
+0.411%Above
Fees
$1,545Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume182
Mix52.3%
Spread
+0.885%Above
Fees
$1,100Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume290
Mix83.3%
Spread
+0.670%Above
Fees
$1,301Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume58
Mix16.7%
Spread
+0.670%Above
Fees
$1,317Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
348
Applications
399
Volume
$60 million
Pricing & Closing
Avg Rate Spread
+0.670%
vs. market APOR
Avg Net Fees
$1,303
Origination − Credits
Pullthrough Rate
87.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$174,626
Avg Borrower Income
$84,879
Avg Property Value
$214,282

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

20Full-year 2024 · HMDA
20 states with loan originations
Loans originated
< 1010–5050+None
Northeast2
NJPA
Midwest5
ILINMIMNOH
South10
ARKYLAMSNCSCTNTXVAWV
West3
CANMOR

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 35Mix 10.06% of portfolio
58/100
Sound
2© WeaponizingArchitecture · CC BY-SA 4.0
Canton, OHMetro
Volume 25Mix 7.18% of portfolio
58/100
Sound
3© w_lemay · CC BY-SA 2.0
Akron, OHMetro
Volume 17Mix 4.89% of portfolio
51/100
Sound
4© Warren LeMay from Cincinnati, OH, United States · CC0
Cincinnati, OHMetro
Volume 19Mix 5.46% of portfolio
50/100
Sound
5© DelanoPatterson · CC0
HuntingtonMetro
Volume 15Mix 4.31% of portfolio
50/100
Sound
6© Nyttend · Public domain
Lima, OHMetro
Volume 10Mix 2.87% of portfolio
44/100
Sound
7© Dblcut3 · CC BY-SA 4.0
Youngstown, OHMetro
Volume 10Mix 2.87% of portfolio
43/100
Sound
8© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 11Mix 3.16% of portfolio
43/100
Sound

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 170Mix 48.85% of portfolio
70/100
Strong
Kentucky
Kentucky
2
KentuckyState
Volume 40Mix 11.49% of portfolio
58/100
Sound
Indiana
Indiana
3
IndianaState
Volume 49Mix 14.08% of portfolio
57/100
Sound
West Virginia
West Virginia
4
West VirginiaState
Volume 13Mix 3.74% of portfolio
46/100
Sound
Michigan
Michigan
5
MichiganState
Volume 10Mix 2.87% of portfolio
39/100
Acceptable
North Carolina
North Carolina
6
North CarolinaState
Volume 11Mix 3.16% of portfolio
39/100
Acceptable

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
Champion(80%+ = 40-50 points)
Superstar
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.