The Money House
We analyzed every closed loan from The Money House — 1.2k 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
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Regional · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Champion
USDA
Champion
Purchase
Champion
Conventional
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 70.00 basis points below market average
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
The Money House performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 70.0 bps below market avg
4/5
Pull Through
Closing strength
Exceptional
Top 5% of lenders
5/5
By Loan Product· Specialization by type
Conventional
227 loans · 0.86% below market
Strong
Top 40% of lenders
4/5
FHA
816 loans · 0.73% below market
Exceptional
Top 20% of lenders
5/5
VA
56 loans · 0.00% above market
Strong
Top 40% of lenders
4/5
USDA
105 loans · 0.53% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,152 loans · 0.70% below market
Exceptional
Top 20% of lenders
5/5
Refinance
52 loans · 0.69% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 7 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 227 | 18.9% | -0.862%Below | $3,893Fees | ||||
FHA Loans | 816 | 67.8% | -0.730%Below | $3,326Fees | ||||
VA Loans | 56 | 4.7% | +0.001%Above | $3,644Fees | ||||
USDA Loans | 105 | 8.7% | -0.532%Below | $2,682Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume227
Mix18.9%
Spread
-0.862%Below
Fees
$3,893Fees
FHA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume816
Mix67.8%
Spread
-0.730%Below
Fees
$3,326Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume56
Mix4.7%
Spread
+0.001%Above
Fees
$3,644Fees
USDA Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume105
Mix8.7%
Spread
-0.532%Below
Fees
$2,682Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,152 | 95.7% | -0.701%Below | $3,479Fees | ||||
Refinance | 52 | 4.3% | -0.690%Below | $3,201Fees |
Purchase
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume1,152
Mix95.7%
Spread
-0.701%Below
Fees
$3,479Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume52
Mix4.3%
Spread
-0.690%Below
Fees
$3,201Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,204
Applications
1,579
Volume
$174 million
Pricing & Closing
Avg Rate Spread
-0.700%
vs. market APOR
Avg Net Fees
$3,460
Origination − Credits
Pullthrough Rate
76.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$144,934
Avg Borrower Income
$67,980
Avg Property Value
$180,847
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
2Full-year 2024 · HMDASouth2
FLTX
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.