What loan types does Banking Mortgage Services, B.M.S. offer?

Banking Mortgage Services, B.M.S. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Banking Mortgage Services, B.M.S. offer mortgages?

Banking Mortgage Services, B.M.S. offers mortgages in 1 states: FL.

How competitive are Banking Mortgage Services, B.M.S.'s mortgage rates?

Banking Mortgage Services, B.M.S. has an overall pricing score of 5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Banking Mortgage Services, B.M.S.?

Banking Mortgage Services, B.M.S. is a Independent Mortgage Company headquartered in MIAMI, FL.

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Banking Mortgage Services, B.M.S.

Independent Mortgage Company•Miami, FLHQ•Direct•Reviews near you on Google

Banking Mortgage Services, B.M.S. has 94 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 76 basis points above market average
Higher than average fees ($7,109)
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Banking Mortgage Services, B.M.S. performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+76.0 bps above market avg

1/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

67 loans · 0.73% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

26 loans · 0.90% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

91 loans · 0.76% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Strong	67	71.3%	+0.729%Above	$7,380Fees
FHA Loans	Strong	Sound	—	Exceptional	26	27.7%	+0.895%Above	$6,400Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Strong

Volume67

Mix71.3%

Spread

+0.729%Above

Fees

$7,380Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Exceptional

Volume26

Mix27.7%

Spread

+0.895%Above

Fees

$6,400Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Strong	91	96.8%	+0.760%Above	$7,109Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Strong

Volume91

Mix96.8%

Spread

+0.760%Above

Fees

$7,109Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$46 million

Pricing & Closing

Avg Rate Spread

+0.760%

vs. market APOR

Avg Net Fees

$7,109

Origination − Credits

Pullthrough Rate

100.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$499,468

Avg Borrower Income

$165,872

Avg Property Value

$587,234

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

Miami, FLMetro

Volume 82Mix 87.23% of portfolio

74/100

Strong

Top States by Place Specialization Score

FloridaState

Volume 94Mix 100.00% of portfolio

64/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.