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CM

CMG Mortgage

Independent Mortgage CompanySacramento, CAHQDirectReviews near you on Google

CMG Mortgage's 46.7k closed loans and 65k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
5/5
National · 49 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Jumbo Superstar
Jumbo
Superstar
USDA Superstar
USDA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • High volume lender with significant market experience
  • Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
  • Nationwide availability with consistent service

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

CMG Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+28.9 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 10% of lenders
FHA
Exceptional
Top 10% of lenders
VA
Exceptional
Top 10% of lenders
Jumbo
Exceptional
Top 10% of lenders
USDA
Exceptional
Top 10% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 5% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Exceptional
Top 20% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume29,344
Mix62.8%
Spread
+0.324%Above
Fees
$2,841Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume10,575
Mix22.6%
Spread
+0.561%Above
Fees
$3,642Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Exceptional
Volume5,612
Mix12.0%
Spread
-0.413%Below
Fees
$2,447Fees
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume803
Mix1.7%
Spread
+0.371%Above
Fees
$2,452Fees
USDA Loans
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume399
Mix0.9%
Spread
+0.085%Above
Fees
$2,571Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume42,442
Mix90.8%
Spread
+0.281%Above
Fees
$3,017Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Sound
Volume4,291
Mix9.2%
Spread
+0.348%Above
Fees
$2,383Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
46,733
Applications
65,454
Volume
$18 billion
Pricing & Closing
Avg Rate Spread
+0.289%
vs. market APOR
Avg Net Fees
$2,940
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$405,645
Avg Borrower Income
$156,792
Avg Property Value
$512,472

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

51Nationwide · all 50 states and DC
51 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© John Phelan · CC BY-SA 3.0
Rockingham County, NHMetro
Volume 645Mix 1.38% of portfolio
100/100
Exceptional
Volume 475Mix 1.02% of portfolio
100/100
Exceptional
3© Kirk Bagley · CC BY 3.0
Kennewick, WAMetro
Volume 455Mix 0.97% of portfolio
100/100
Exceptional
Volume 417Mix 0.89% of portfolio
100/100
Exceptional
Volume 292Mix 0.62% of portfolio
100/100
Exceptional
Volume 320Mix 0.68% of portfolio
98/100
Exceptional
Volume 1,568Mix 3.36% of portfolio
97/100
Exceptional
8© Seasider53 · CC BY 4.0
Portland, MEMetro
Volume 642Mix 1.37% of portfolio
96/100
Exceptional
9© Mig Esc · CC BY 3.0
McAllen, TXMetro
Volume 444Mix 0.95% of portfolio
95/100
Exceptional
Volume 377Mix 0.81% of portfolio
95/100
Exceptional
Showing 10 of 49 metro areas

Top States by Place Specialization Score

New Hampshire
New Hampshire
1
New HampshireState
Volume 1,819Mix 3.89% of portfolio
100/100
Exceptional
Washington
Washington
2
WashingtonState
Volume 3,718Mix 7.96% of portfolio
97/100
Exceptional
Texas
Texas
3
TexasState
Volume 7,909Mix 16.92% of portfolio
93/100
Exceptional
Tennessee
Tennessee
4
TennesseeState
Volume 3,095Mix 6.62% of portfolio
92/100
Exceptional
Maine
Maine
5
MaineState
Volume 1,169Mix 2.50% of portfolio
91/100
Exceptional
Oregon
Oregon
6
OregonState
Volume 1,157Mix 2.48% of portfolio
87/100
Exceptional
Virginia
Virginia
7
VirginiaState
Volume 1,677Mix 3.59% of portfolio
87/100
Exceptional
Hawaii
Hawaii
8
HawaiiState
Volume 390Mix 0.83% of portfolio
87/100
Exceptional
Pennsylvania
Pennsylvania
9
PennsylvaniaState
Volume 2,047Mix 4.38% of portfolio
86/100
Exceptional
New Jersey
New Jersey
10
New JerseyState
Volume 1,443Mix 3.09% of portfolio
86/100
Exceptional
Showing 10 of 50 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 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.