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Neighborhood Mortgage Solutions

Independent Mortgage CompanyFrankenmuth, MIHQDirectReviews near you on Google

Neighborhood Mortgage Solutions has 38 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
Mediocre
1/5
closing strength
Product
Mediocre
1/5
Conventional
Place
Active
Regional
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Neighborhood Mortgage Solutions performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 31.2 bps below market avg
3/5
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
1/5
By Loan Product· Specialization by type
Conventional
38 loans · 0.31% below market
Mediocre
Bottom 20% of lenders
1/5
By Loan Purpose· Transaction purpose mix
Purchase
25 loans · 0.27% below market
Mediocre
Bottom 20% of lenders
1/5
Refinance
13 loans · 0.39% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Mediocre
Pricing
Sound
Pull Through
Mediocre
Volume38
Mix100.0%
Spread
-0.312%Below
Fees
$2,639Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Mediocre
Pricing
Acceptable
Pull Through
Mediocre
Volume25
Mix65.8%
Spread
-0.267%Below
Fees
$2,788Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Acceptable
Volume13
Mix34.2%
Spread
-0.389%Below
Fees
$2,378Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
38
Applications
155
Volume
$8 million
Pricing & Closing
Avg Rate Spread
-0.312%
vs. market APOR
Avg Net Fees
$2,639
Origination − Credits
Pullthrough Rate
24.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$216,316
Avg Borrower Income
$109,947
Avg Property Value
$283,158

Geographic Coverage

Geographic Performance

Metro Areas
0
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
N/A

States with Loan Originations

3Full-year 2024 · HMDA
3 states with loan originations
Loans originated
< 1010+None
Midwest1
MI
South2
NCSC

Top States by Place Specialization Score

Michigan
Michigan
1
MichiganState
Volume 22Mix 57.89% of portfolio
55/100
Sound
North Carolina
North Carolina
2
North CarolinaState
Volume 14Mix 36.84% of portfolio
48/100
Sound

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.