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Mortgage Management Consultants

Independent Mortgage Company•Palmdale, CAHQ•Direct•Reviews near you on Google

Mortgage Management Consultants has 121 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Rates typically 71 basis points above market average
  • Higher than average fees ($4,216)

Explore another lender or local market

Report Card

Mortgage Management Consultants performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+70.6 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
62 loans · 0.52% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
53 loans · 0.96% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
97 loans · 0.79% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
24 loans · 0.36% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume62
Mix51.2%
Spread
+0.523%Above
Fees
$4,242Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume53
Mix43.8%
Spread
+0.959%Above
Fees
$4,244Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Sound
Volume97
Mix80.2%
Spread
+0.787%Above
Fees
$3,993Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Sound
Volume24
Mix19.8%
Spread
+0.357%Above
Fees
$5,171Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
121
Applications
162
Volume
$48 million
Pricing & Closing
Avg Rate Spread
+0.706%
vs. market APOR
Avg Net Fees
$4,216
Origination − Credits
Pullthrough Rate
74.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$403,926
Avg Borrower Income
$126,851
Avg Property Value
$509,876

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

8Full-year 2024 · HMDA
8 states with loan originations
Loans originated
< 5050+None
South3
FLTNTX
West5
CAIDNMNVUT

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 62Mix 51.24% of portfolio
67/100
Strong
2© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 34Mix 28.10% of portfolio
61/100
Strong
3© Bobak Ha'Eri · CC BY 3.0
Bakersfield, CAMetro
Volume 10Mix 8.26% of portfolio
46/100
Sound

Top States by Place Specialization Score

Nevada
Nevada
1
NevadaState
Volume 36Mix 29.75% of portfolio
61/100
Strong
California
California
2
CaliforniaState
Volume 76Mix 62.81% of portfolio
61/100
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
Champion(80%+ = 40-50 points)
Superstar
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.