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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Exceptional
Top 10% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,970 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
FHA
49 loans · 0.37% above market
Sound
Top 60% of lenders
3/5
Jumbo
173 loans · 0.50% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,598 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
Refinance
594 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 39 markets
Sound
Top 60% of lenders
3/5
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
27Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast3
CTNJPA
Midwest4
ILMIMNWI
South11
ALDEFLGALAMDNCSCTNTXVA
West9
AZCACOHIIDNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 38 metro areas
Top States by Place Specialization Score
Showing 10 of 18 states
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.