# MMS MORTGAGE SERVICES, LTD.

> **Canonical URL:** https://saferate.com/lenders/mms-mortgage-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MMS MORTGAGE SERVICES, LTD. is a independent mortgage company, headquartered in FARMINGTON HILLS, MI, serving borrowers across 5 states, with 239 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300YEC4OVVYQB2849
- **Headquarters:** FARMINGTON HILLS, MI
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** FL, IA, MI, OH, TN
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.138%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,147
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 239
- **Dollar Volume:** $49 million
- **Applications Received:** 278
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $203,117
- **Average Borrower Income:** $107,310
- **Average Property Value:** $286,841

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 200 | +0.104% | $2,137 | Sound ☺️ |
| FHA | 59/100 | 33 | +0.400% | $2,282 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 131 loans, Score: 44/100 (Sound)
- Refinance: 69 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 24 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 159 | $34M | +0.154% | Sound ☺️ |
| Refinance | 63/100 | 80 | $15M | +0.107% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 220 | 0.19% | 75/100 |
| OH | 15 | 0.01% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Grand Rapids | MI | 85 | 68/100 |
| Non |  | 44 | 45/100 |
| Muskegon | MI | 34 | 69/100 |
| Warren | MI | 25 | 54/100 |
| Detroit | MI | 19 | 52/100 |
| Cleveland, OH | OH | 12 | 45/100 |

## Where This Lender Ranks

MMS MORTGAGE SERVICES, LTD. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Muskegon Mortgage Companies
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Grand Rapids Mortgage Companies
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Grand Rapids for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Muskegon for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Muskegon
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders)
- 🏆 **#8** in Grand Rapids for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in Muskegon for Conventional Loans
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Grand Rapids
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders)
- 🏆 **#17** in Grand Rapids for FHA Loans
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does MMS MORTGAGE SERVICES, LTD. offer?

MMS MORTGAGE SERVICES, LTD. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MMS MORTGAGE SERVICES, LTD. offer mortgages?

MMS MORTGAGE SERVICES, LTD. offers mortgages in 5 states: FL, IA, MI, OH, TN.

### How competitive are MMS MORTGAGE SERVICES, LTD.'s mortgage rates?

MMS MORTGAGE SERVICES, LTD. has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.138% above market average.

### What type of lender is MMS MORTGAGE SERVICES, LTD.?

MMS MORTGAGE SERVICES, LTD. is a non-depository lender that specializes in mortgage origination, headquartered in FARMINGTON HILLS, MI.

### What is MMS MORTGAGE SERVICES, LTD.'s loan approval success rate?

MMS MORTGAGE SERVICES, LTD. has a pull-through score of 61/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mms-mortgage-services

### How to Cite

> "MMS MORTGAGE SERVICES, LTD. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mms-mortgage-services

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