M
Mason Mcduffie Mortgage Corporation
Independent Mortgage Company•SAN FRANCISCO, CA•Direct to Consumer
We analyzed every closed loan from Mason Mcduffie Mortgage — 2.0k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
Near-National · 41 mkts
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Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Mason Mcduffie Mortgage Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +38.0 bps above market avg | |
Pull Through Closing strength | Industry Standard Top 60% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National42 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,422 | 70.5% | +0.368%Above | $3,433Fees | ||||
FHA Loans | 384 | 19.0% | +0.583%Above | $4,023Fees | ||||
VA Loans | 128 | 6.3% | -0.179%Below | $3,861Fees | ||||
Jumbo Loans | 68 | 3.4% | +0.607%Above | $1,252Fees | ||||
USDA Loans | — | 16 | 0.8% | +0.165%Above | $2,545Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,752 | 86.8% | +0.380%Above | $3,523Fees | ||||
Refinance | 266 | 13.2% | +0.377%Above | $3,218Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,018
Applications
2,772
Volume
$916 million
Pricing & Closing
Avg Rate Spread
+0.380%
vs. market APOR
Avg Net Fees
$3,478
Origination − Credits
Pullthrough Rate
72.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$454,009
Avg Borrower Income
$186,296
Avg Property Value
$620,411
Geographic Coverage
Geographic Performance
Metro Areas
41
States Served
27
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ARAZCACOFLGAHIIAIDINKSMNMSNCNJNMNVOKORPASCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Chico, CA, CAMSA
Volume: 94Mix: 4.66%of portfolio
Place
Exceptional2
Santa Cruz, CAMSA
Volume: 69Mix: 3.42%of portfolio
Place
Exceptional3
Santa Rosa, CAMSA
Volume: 54Mix: 2.68%of portfolio
Place
Strong4
San Rafael, CA, CAMSA
Volume: 36Mix: 1.78%of portfolio
Place
Strong5
Minneapolis, MN-WIMSA
Volume: 187Mix: 9.27%of portfolio
Place
Strong6
Tacoma, WAMSA
Volume: 68Mix: 3.37%of portfolio
Place
Strong7
Portland, OR-WAMSA
Volume: 101Mix: 5.00%of portfolio
Place
Strong8
Lake Havasu City, AZMSA
Volume: 38Mix: 1.88%of portfolio
Place
Strong9
Oakland, CAMSA
Volume: 71Mix: 3.52%of portfolio
Place
Strong10
Reno, NV, NVMSA
Volume: 45Mix: 2.23%of portfolio
Place
StrongShowing 10 of 41 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 836Mix: 41.43%of portfolio
Place
Strong2
ORState
Volume: 174Mix: 8.62%of portfolio
Place
Strong3
MNState
Volume: 219Mix: 10.85%of portfolio
Place
Strong4
WAState
Volume: 180Mix: 8.92%of portfolio
Place
Strong5
NVState
Volume: 114Mix: 5.65%of portfolio
Place
Strong6
COState
Volume: 99Mix: 4.91%of portfolio
Place
Strong7
NMState
Volume: 39Mix: 1.93%of portfolio
Place
Sound8
AZState
Volume: 53Mix: 2.63%of portfolio
Place
Sound9
TXState
Volume: 73Mix: 3.62%of portfolio
Place
Sound10
VAState
Volume: 42Mix: 2.08%of portfolio
Place
SoundShowing 10 of 17 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.