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NMSI, INC.
Independent Mortgage Company|LOS ANGELES, CA|Near-National
Loans Originated
3,192
Applications
3,192
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar⭐Jumbo Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.281%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,648
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
100.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
NMSI, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 39 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
$578,239
Average Borrower Income
$21,556
Average Property Value
$865,912
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Exceptional | 2,970 | 93.0% | +0.270% | $2,656 |
FHA Loans | Strong | Sound | Sound | Exceptional | 49 | 1.5% | +0.368% | $2,912 |
Jumbo Loans | Strong | Exceptional | Acceptable | Exceptional | 173 | 5.4% | +0.498% | $2,342 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Exceptional | 2,598 | 81.4% | +0.295% | $2,894 |
Refinance | Strong | Strong | Sound | Exceptional | 594 | 18.6% | +0.216% | $1,475 |
Geographic Coverage
Metro Areas
38
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
Anaheim, CAMSA
Volume: 383Mix: 12.00%
Place Specialization
Exceptional
2
Los Angeles, CAMSA
Volume: 621Mix: 19.45%
Place Specialization
Exceptional
3
Riverside, CAMSA
Volume: 358Mix: 11.22%
Place Specialization
Strong
4
Oakland, CAMSA
Volume: 150Mix: 4.70%
Place Specialization
Strong
5
San Jose, CAMSA
Volume: 105Mix: 3.29%
Place Specialization
Strong
6
Denver, COMSA
Volume: 143Mix: 4.48%
Place Specialization
Strong
7
San Diego, CAMSA
Volume: 119Mix: 3.73%
Place Specialization
Strong
8
Atlanta, GAMSA
Volume: 121Mix: 3.79%
Place Specialization
Strong
9
Sacramento, CAMSA
Volume: 94Mix: 2.94%
Place Specialization
Strong
10
San Francisco, CAMSA
Volume: 45Mix: 1.41%
Place Specialization
Strong
Showing 10 of 38 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 2,049Mix: 64.19%
Place Specialization
Exceptional
2
COState
Volume: 202Mix: 6.33%
Place Specialization
Strong
3
GAState
Volume: 153Mix: 4.79%
Place Specialization
Strong
4
WAState
Volume: 94Mix: 2.94%
Place Specialization
Strong
5
AZState
Volume: 88Mix: 2.76%
Place Specialization
Sound
6
TXState
Volume: 141Mix: 4.42%
Place Specialization
Sound
7
ORState
Volume: 50Mix: 1.57%
Place Specialization
Sound
8
VAState
Volume: 57Mix: 1.79%
Place Specialization
Sound
9
MDState
Volume: 47Mix: 1.47%
Place Specialization
Sound
10
FLState
Volume: 92Mix: 2.88%
Place Specialization
Sound
Showing 10 of 18 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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