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MMS
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MMS Mortgage Services

Independent Mortgage Company•Farmington Hills, MIHQ•Direct•Reviews near you on Google

MMS Mortgage Services has 239 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Regional · 5 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Strong pull through performance

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Report Card

MMS Mortgage Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+13.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume200
Mix83.7%
Spread
+0.104%Above
Fees
$2,137Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume33
Mix13.8%
Spread
+0.400%Above
Fees
$2,282Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume159
Mix66.5%
Spread
+0.154%Above
Fees
$2,126Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume80
Mix33.5%
Spread
+0.107%Above
Fees
$2,190Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
239
Applications
278
Volume
$48 million
Pricing & Closing
Avg Rate Spread
+0.138%
vs. market APOR
Avg Net Fees
$2,147
Origination − Credits
Pullthrough Rate
86.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$203,117
Avg Borrower Income
$107,310
Avg Property Value
$286,841

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
IAMIOH
South2
FLTN

Top Metro Areas by Place Specialization Score

1© JJonahJackalope · CC BY-SA 4.0
Muskegon, MIMetro
Volume 34Mix 14.23% of portfolio
69/100
Strong
2© WMrapids · CC0
Grand Rapids, MIMetro
Volume 85Mix 35.56% of portfolio
68/100
Strong
3© Darren56brown · CC BY-SA 4.0
Warren, MIMetro
Volume 25Mix 10.46% of portfolio
54/100
Sound
4© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Detroit, MIMetro
Volume 19Mix 7.95% of portfolio
52/100
Sound
5© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 12Mix 5.02% of portfolio
45/100
Sound

Top States by Place Specialization Score

Michigan
Michigan
1
MichiganState
Volume 220Mix 92.05% of portfolio
75/100
Strong
Ohio
Ohio
2
OhioState
Volume 15Mix 6.28% of portfolio
44/100
Sound

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.