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MASON MCDUFFIE MORTGAGE CORPORATION
Independent Mortgage Company|SAN FRANCISCO, CA|Near-National
Loans Originated
2,018
Applications
2,772
Volume
$916 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.380%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,478
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.8%
Percentage of applications that result in closed loans
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
Report Card
MASON MCDUFFIE MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 42 metro areas · 27 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$454,009
Average Borrower Income
$186,296
Average Property Value
$620,411
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 1,422 | 70.5% | +0.368% | $3,433 |
FHA Loans | Sound | Strong | Acceptable | Strong | 384 | 19.0% | +0.583% | $4,023 |
VA Loans | Sound | Strong | Mediocre | Strong | 128 | 6.3% | -0.179% | $3,861 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 68 | 3.4% | +0.607% | $1,252 |
USDA Loans | Acceptable | Sound | N/A | Acceptable | 16 | 0.8% | +0.165% | $2,545 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 1,752 | 86.8% | +0.380% | $3,523 |
Refinance | Sound | Strong | Acceptable | Strong | 266 | 13.2% | +0.377% | $3,218 |
Geographic Coverage
Metro Areas
41
States Served
27
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Chico, CA, CAMSA
Volume: 94Mix: 4.66%
Place Specialization
Exceptional
2
Santa Cruz, CAMSA
Volume: 69Mix: 3.42%
Place Specialization
Exceptional
3
Santa Rosa, CAMSA
Volume: 54Mix: 2.68%
Place Specialization
Strong
4
San Rafael, CA, CAMSA
Volume: 36Mix: 1.78%
Place Specialization
Strong
5
Minneapolis, MN-WIMSA
Volume: 187Mix: 9.27%
Place Specialization
Strong
6
Tacoma, WAMSA
Volume: 68Mix: 3.37%
Place Specialization
Strong
7
Portland, OR-WAMSA
Volume: 101Mix: 5.00%
Place Specialization
Strong
8
Lake Havasu City, AZMSA
Volume: 38Mix: 1.88%
Place Specialization
Strong
9
Oakland, CAMSA
Volume: 71Mix: 3.52%
Place Specialization
Strong
10
Reno, NV, NVMSA
Volume: 45Mix: 2.23%
Place Specialization
Strong
Showing 10 of 41 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 836Mix: 41.43%
Place Specialization
Strong
2
ORState
Volume: 174Mix: 8.62%
Place Specialization
Strong
3
MNState
Volume: 219Mix: 10.85%
Place Specialization
Strong
4
WAState
Volume: 180Mix: 8.92%
Place Specialization
Strong
5
NVState
Volume: 114Mix: 5.65%
Place Specialization
Strong
6
COState
Volume: 99Mix: 4.91%
Place Specialization
Strong
7
NMState
Volume: 39Mix: 1.93%
Place Specialization
Sound
8
AZState
Volume: 53Mix: 2.63%
Place Specialization
Sound
9
TXState
Volume: 73Mix: 3.62%
Place Specialization
Sound
10
VAState
Volume: 42Mix: 2.08%
Place Specialization
Sound
Showing 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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