We analyzed every closed loan from Nmsi — 3.2k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Near-National · 38 mkts
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+28.1 bps above market avg
Pull Through
Closing strength
Exceptional
Top 10% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 39 markets
Sound
Top 60% of lenders
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 |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume2,970
Mix93.0%
Spread
+0.270%Above
Fees
$2,656Fees
FHA Loans
OverallStrong
ProductSound
PricingSound
Pull ThroughExceptional
Volume49
Mix1.5%
Spread
+0.368%Above
Fees
$2,912Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume173
Mix5.4%
Spread
+0.498%Above
Fees
$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 |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume2,598
Mix81.4%
Spread
+0.295%Above
Fees
$2,894Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume594
Mix18.6%
Spread
+0.216%Above
Fees
$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
markets with activity
States Served
27
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
27Northeast3
CTNJPA
Midwest4
ILMIMNWI
South11
ALDEFLGALAMDNCSCTNTXVA
West9
AZCACOHIIDNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 383Mix 12.00% of portfolio
86/100
Exceptional
Volume 621Mix 19.45% of portfolio
85/100
Exceptional
Volume 358Mix 11.22% of portfolio
78/100
Strong
Volume 150Mix 4.70% of portfolio
74/100
Strong
Volume 105Mix 3.29% of portfolio
70/100
Strong
Volume 143Mix 4.48% of portfolio
67/100
Strong
Volume 119Mix 3.73% of portfolio
67/100
Strong
Volume 121Mix 3.79% of portfolio
65/100
Strong
Volume 94Mix 2.94% of portfolio
64/100
Strong
Volume 45Mix 1.41% of portfolio
62/100
StrongShowing 10 of 38 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 2,049Mix 64.19% of portfolio
85/100
Exceptional2
ColoradoState
Volume 202Mix 6.33% of portfolio
67/100
Strong3
GeorgiaState
Volume 153Mix 4.79% of portfolio
63/100
Strong4
WashingtonState
Volume 94Mix 2.94% of portfolio
61/100
Strong5
ArizonaState
Volume 88Mix 2.76% of portfolio
58/100
Sound6
TexasState
Volume 141Mix 4.42% of portfolio
57/100
Sound7
OregonState
Volume 50Mix 1.57% of portfolio
55/100
Sound8
VirginiaState
Volume 57Mix 1.79% of portfolio
54/100
Sound9
MarylandState
Volume 47Mix 1.47% of portfolio
52/100
Sound10
FloridaState
Volume 92Mix 2.88% of portfolio
52/100
SoundShowing 10 of 18 states
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.