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We analyzed every closed loan from Nmsi — 3.2k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · Jumbo
Place
Sound
Near-National · 38 mkts
Safe Rate Awards⭐FHA Superstar⭐Jumbo Superstar⭐Refinance Superstar
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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
Explore another lender or local market
Report Card
Nmsi, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +28.1 bps above market avg | |
Pull Through Closing strength | Market Leader Top 10% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Industry Standard Top 60% of lenders | |
Jumbo | Market Leader Top 20% 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-National39 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,970 | 93.0% | +0.270%Above | $2,656Fees | ||||
FHA Loans | 49 | 1.5% | +0.368%Above | $2,912Fees | ||||
Jumbo Loans | 173 | 5.4% | +0.498%Above | $2,342Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,598 | 81.4% | +0.295%Above | $2,894Fees | ||||
Refinance | 594 | 18.6% | +0.216%Above | $1,475Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,192
Applications
3,192
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.281%
vs. market APOR
Avg Net Fees
$2,648
Origination − Credits
Pullthrough Rate
100.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$578,239
Avg Borrower Income
$21,556
Avg Property Value
$865,912
Geographic Coverage
Geographic Performance
Metro Areas
38
States Served
27
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALAZCACOCTDEFLGAHIIDILLAMDMIMNNCNJNVORPASCTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Anaheim, CAMSA
Volume: 383Mix: 12.00%of portfolio
Place
Exceptional2
Los Angeles, CAMSA
Volume: 621Mix: 19.45%of portfolio
Place
Exceptional3
Riverside, CAMSA
Volume: 358Mix: 11.22%of portfolio
Place
Strong4
Oakland, CAMSA
Volume: 150Mix: 4.70%of portfolio
Place
Strong5
San Jose, CAMSA
Volume: 105Mix: 3.29%of portfolio
Place
Strong6
Denver, COMSA
Volume: 143Mix: 4.48%of portfolio
Place
Strong7
San Diego, CAMSA
Volume: 119Mix: 3.73%of portfolio
Place
Strong8
Atlanta, GAMSA
Volume: 121Mix: 3.79%of portfolio
Place
Strong9
Sacramento, CAMSA
Volume: 94Mix: 2.94%of portfolio
Place
Strong10
San Francisco, CAMSA
Volume: 45Mix: 1.41%of portfolio
Place
StrongShowing 10 of 38 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 2,049Mix: 64.19%of portfolio
Place
Exceptional2
COState
Volume: 202Mix: 6.33%of portfolio
Place
Strong3
GAState
Volume: 153Mix: 4.79%of portfolio
Place
Strong4
WAState
Volume: 94Mix: 2.94%of portfolio
Place
Strong5
AZState
Volume: 88Mix: 2.76%of portfolio
Place
Sound6
TXState
Volume: 141Mix: 4.42%of portfolio
Place
Sound7
ORState
Volume: 50Mix: 1.57%of portfolio
Place
Sound8
VAState
Volume: 57Mix: 1.79%of portfolio
Place
Sound9
MDState
Volume: 47Mix: 1.47%of portfolio
Place
Sound10
FLState
Volume: 92Mix: 2.88%of portfolio
Place
SoundShowing 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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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.