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Mortgage Management Consultants, Inc.

Independent Mortgage CompanyPALMDALE, CADirect to Consumer

Mortgage Management Consultants has 121 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Mediocre
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
FHA · Conventional
Place
Sound
Multi-Region · 3 mkts

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Safe Rate's Summary

Things to Think About

  • Rates typically 71 basis points above market average
  • Higher than average fees ($4,216)

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Report Card

Mortgage Management Consultants, Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
Below peers
+70.6 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Acceptable
Mediocre
Acceptable
6251.2%
+0.523%Above
$4,242Fees
FHA Loans
Acceptable
Sound
Mediocre
Strong
5343.8%
+0.959%Above
$4,244Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Acceptable
Mediocre
Sound
9780.2%
+0.787%Above
$3,993Fees
Refinance
Acceptable
Acceptable
Sound
2419.8%
+0.357%Above
$5,171Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
121
Applications
162
Volume
$48 million
Pricing & Closing
Avg Rate Spread
+0.706%
vs. market APOR
Avg Net Fees
$4,216
Origination − Credits
Pullthrough Rate
74.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$403,926
Avg Borrower Income
$126,851
Avg Property Value
$509,876

Geographic Coverage

Geographic Performance

Metro Areas
3
States Served
8
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

CAFLIDNMNVTNTXUT

Top Metro Areas by Place Specialization Score

1
Los Angeles, CAMSA
Volume: 62Mix: 51.24%of portfolio
Place
Strong
2
Las Vegas, NVMSA
Volume: 34Mix: 28.10%of portfolio
Place
Strong
3
Bakersfield, CAMSA
Volume: 10Mix: 8.26%of portfolio
Place
Sound

Top States by Place Specialization Score

1
NVState
Volume: 36Mix: 29.75%of portfolio
Place
Strong
2
CAState
Volume: 76Mix: 62.81%of portfolio
Place
Strong

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.