# NMSI, INC.

> **Canonical URL:** https://saferate.com/lenders/nmsi

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

NMSI, INC. is a independent mortgage company, headquartered in LOS ANGELES, CA, serving borrowers across 27 states, with 3,192 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 8% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300DCGBXW5FJMV921
- **Headquarters:** LOS ANGELES, CA
- **Geographic Reach:** Near-National
- **States Served:** 27
- **State List:** AL, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, LA, MD, MI, MN, NC, NJ, NV, OR, PA, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 39
- **Primary Channel:** wholesale
- **Direct Origination:** 5.8%
- **Brokered/Wholesale:** 94.2%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.281%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,648
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,192
- **Dollar Volume:** $1.8 billion
- **Applications Received:** 3,192
- **Market Share:** 9.00%

## Typical Borrower Profile

- **Average Loan Amount:** $578,239
- **Average Borrower Income:** $21,556

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **Jumbo Gold Superstar** (69%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 2,970 | +0.270% | $2,656 | Strong 😀 |
| FHA | 58/100 | 49 | +0.368% | $2,912 | Sound ☺️ |
| Jumbo | 81/100 | 173 | +0.498% | $2,342 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,424 loans, Score: 75/100 (Strong)
- Refinance: 546 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 45 loans, Score: 57/100 (Sound)

**Jumbo:**
- Purchase: 129 loans, Score: 81/100 (Exceptional)
- Refinance: 44 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 74/100 | 2,598 | $1.5B | +0.295% | Strong 😀 |
| Refinance | 74/100 | 594 | $352M | +0.216% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 2,049 | 0.72% | 85/100 |
| CO | 202 | 0.24% | 67/100 |
| GA | 153 | 0.11% | 63/100 |
| TX | 141 | 0.04% | 57/100 |
| WA | 94 | 0.11% | 61/100 |
| FL | 92 | 0.03% | 52/100 |
| AZ | 88 | 0.09% | 58/100 |
| VA | 57 | 0.05% | 54/100 |
| OR | 50 | 0.12% | 55/100 |
| MD | 47 | 0.07% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 621 | 85/100 |
| Anaheim | CA | 383 | 86/100 |
| Riverside | CA | 358 | 78/100 |
| Oakland | CA | 150 | 74/100 |
| Denver | CO | 143 | 67/100 |
| Atlanta | GA | 121 | 65/100 |
| San Diego | CA | 119 | 67/100 |
| San Jose | CA | 105 | 70/100 |
| Sacramento | CA | 94 | 64/100 |
| Phoenix | AZ | 79 | 58/100 |
| Portland | OR-WA | 53 | 57/100 |
| Seattle | WA | 49 | 57/100 |
| Houston | TX | 48 | 52/100 |
| Arlington | VA-WV | 47 | 55/100 |
| San Francisco | CA | 45 | 62/100 |

## Frequently Asked Questions

### What loan types does NMSI, INC. offer?

NMSI, INC. offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NMSI, INC. offer mortgages?

NMSI, INC. offers mortgages in 27 states: AL, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, LA, MD, MI, MN, NC, NJ, NV, OR, PA, SC, TN, TX, UT, VA, WA, WI.

### How competitive are NMSI, INC.'s mortgage rates?

NMSI, INC. has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.281% above market average.

### What type of lender is NMSI, INC.?

NMSI, INC. is a non-depository lender that specializes in mortgage origination, headquartered in LOS ANGELES, CA.

### What is NMSI, INC.'s loan approval success rate?

NMSI, INC. has a pull-through score of 92/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/nmsi

### How to Cite

> "NMSI, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nmsi

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