# NMSI, INC. > **Canonical URL:** https://saferate.com/lenders/nmsi > **πŸ“‹ 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 NMSI, INC. is a independent mortgage company, headquartered in LOS ANGELES, CA, serving borrowers across 27 states, with 3,192 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 67% of lenders for competitive rates - **Approval Rate:** Ranks in the top 8% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 549300DCGBXW5FJMV921 - **Headquarters:** LOS ANGELES, CA - **Geographic Reach:** Near-National - **States Served:** 27 - **State List:** AL, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, LA, MD, MI, MN, NC, NJ, NV, OR, PA, SC, TN, TX, UT, VA, WA, WI - **Markets (MSAs):** 39 - **Primary Channel:** wholesale - **Direct Origination:** 5.8% - **Brokered/Wholesale:** 94.2% ## Safe Rate Ratings ### Pricing: Acceptable πŸ™‚ - Score: 33/100 - Rating: ●●○○○ (2/5) ### Pull Through: Exceptional 🀩 - Score: 92/100 - Rating: ●●●●● (5/5) ### Pricing Details - **Average Rate Spread:** +0.281% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $2,648 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 3,192 - **Dollar Volume:** $1.8 billion - **Applications Received:** 3,192 - **Market Share:** 9.00% ## Typical Borrower Profile - **Average Loan Amount:** $578,239 - **Average Borrower Income:** $21,556 - **Average Property Value:** $865,912 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (63%) - ⭐ **FHA Gold Superstar** (63%) - ⭐ **Jumbo Gold Superstar** (69%) - ⭐ **Purchase Gold Superstar** (63%) - ⭐ **Refinance Gold Superstar** (70%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 75/100 | 2,970 | +0.270% | $2,656 | Strong πŸ˜€ | | FHA | 58/100 | 49 | +0.368% | $2,912 | Sound ☺️ | | Jumbo | 81/100 | 173 | +0.498% | $2,342 | Exceptional 🀩 | ### Product Performance by Purpose **Conventional:** - Purchase: 2,424 loans, Score: 75/100 (Strong) - Refinance: 546 loans, Score: 74/100 (Strong) **FHA:** - Purchase: 45 loans, Score: 57/100 (Sound) **Jumbo:** - Purchase: 129 loans, Score: 81/100 (Exceptional) - Refinance: 44 loans, Score: 82/100 (Exceptional) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 74/100 | 2,598 | $1.5B | +0.295% | Strong πŸ˜€ | | Refinance | 74/100 | 594 | $352M | +0.216% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | CA | 2,049 | 0.72% | 85/100 | | CO | 202 | 0.24% | 67/100 | | GA | 153 | 0.11% | 63/100 | | TX | 141 | 0.04% | 57/100 | | WA | 94 | 0.11% | 61/100 | | FL | 92 | 0.03% | 52/100 | | AZ | 88 | 0.09% | 58/100 | | VA | 57 | 0.05% | 54/100 | | OR | 50 | 0.12% | 55/100 | | MD | 47 | 0.07% | 52/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Los Angeles | CA | 621 | 85/100 | | Anaheim | CA | 383 | 86/100 | | Riverside | CA | 358 | 78/100 | | Oakland | CA | 150 | 74/100 | | Denver | CO | 143 | 67/100 | | Atlanta | GA | 121 | 65/100 | | San Diego | CA | 119 | 67/100 | | San Jose | CA | 105 | 70/100 | | Sacramento | CA | 94 | 64/100 | | Phoenix | AZ | 79 | 58/100 | | Portland | OR-WA | 53 | 57/100 | | Seattle | WA | 49 | 57/100 | | Houston | TX | 48 | 52/100 | | Arlington | VA-WV | 47 | 55/100 | | San Francisco | CA | 45 | 62/100 | ## Where This Lender Ranks NMSI, INC. appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‰ **#3** in Anaheim Mortgage Companies - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies) - πŸ† **#4** in Los Angeles for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#4** in Anaheim for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#6** in Los Angeles Mortgage Companies - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies) - πŸ† **#6** in Anaheim for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#6** in San Jose for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#7** in California for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#7** in Los Angeles for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#8** in Oakland for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#8** in San Diego for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/san-diego/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#9** in Riverside for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#9** in San Francisco Mortgage Companies - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/mortgage-companies) - πŸ† **#10** in Anaheim - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders) - πŸ† **#10** in San Jose Mortgage Companies - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies) - πŸ† **#12** in California Mortgage Companies - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies) - πŸ† **#12** in California for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#12** in Los Angeles for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#13** in Anaheim for Jumbo Loans - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/jumbo-loans) - πŸ† **#13** in Denver for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#13** in Portland for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies/jumbo-loans) ## Frequently Asked Questions ### What loan types does NMSI, INC. offer? NMSI, INC. offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does NMSI, INC. offer mortgages? NMSI, INC. offers mortgages in 27 states: AL, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, LA, MD, MI, MN, NC, NJ, NV, OR, PA, SC, TN, TX, UT, VA, WA, WI. ### How competitive are NMSI, INC.'s mortgage rates? NMSI, INC. has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.281% above market average. ### What type of lender is NMSI, INC.? NMSI, INC. is a non-depository lender that specializes in mortgage origination, headquartered in LOS ANGELES, CA. ### What is NMSI, INC.'s loan approval success rate? NMSI, INC. has a pull-through score of 92/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## 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/nmsi ### How to Cite > "NMSI, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nmsi --- **[View Interactive Profile β†’](https://saferate.com/lenders/nmsi)**