Mason Mcduffie Mortgage Corporation Rates, Fees & Info
SAN FRANCISCO, CALEI: 549300UB5TJ0YPVPT503
Tax ID: 20-2693054
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Mortgage Data
Review & Overview
Mason Mcduffie Mortgage Corporation is a small mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Mason Mcduffie Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: San Francisco, Santa Cruz, San Jose, Sacramento, and Salinas among others. We have data for 119 markets. (Some data included below & more in-depth data is available with an active subscription.)Mason Mcduffie Mortgage Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Mason Mcduffie Mortgage Corporation is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.58% | 12/4/22 |
| 30 Year Conventional Purchase | 6.81% | 12/4/22 |
| 30 Year Conventional Refi | 6.81% | 12/4/22 |
| 30 Year Cash-out Refi | 6.97% | 12/4/22 |
| 30 Year FHA Purchase | 7.66% | 12/4/22 |
| 30 Year FHA Refi | 7.25% | 12/4/22 |
| 30 Year VA Purchase | 6.48% | 12/4/22 |
| 30 Year VA Refi | 6.24% | 12/4/22 |
| 30 Year USDA Purchase | 7.16% | 12/4/22 |
| 30 Year USDA Refi | 7.22% | 12/4/22 |
| 15 Year Conventional Purchase | 6.29% | 12/4/22 |
| 15 Year Conventional Refi | 6.18% | 12/4/22 |
| 15 Year Cash-out Refi | 6.18% | 12/4/22 |
| 15 Year FHA Refi | 5.76% | 12/4/22 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
4,082Origination Dollar Volume (All Markets)
$1,804,360,000Awards
MASON MCDUFFIE MORTGAGE CORPORATION - 2021
MASON MCDUFFIE MORTGAGE CORPORATION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Mason Mcduffie Mortgage Corporation's average 30 year fixed mortgage rate was
3.04%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.11%.
Relative Fees (Closing Costs)
Mason Mcduffie Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,737.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 672 | $412,540,000 | $613,899 | $7,626 | 2.96% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 386 | $210,680,000 | $545,803 | $8,735 | 2.97% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 260 | $166,320,000 | $639,692 | $8,193 | 3.02% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 410 | $148,110,000 | $361,244 | $4,690 | 2.97% |
| SALINAS, CA (FHA|USDA|VA) | 259 | $131,985,000 | $509,595 | $8,337 | 2.94% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 172 | $89,180,000 | $518,488 | $7,686 | 3.08% |
| RENO, NV (FHA|USDA|VA) | 220 | $72,850,000 | $331,136 | $4,585 | 3.05% |
| STOCKTON, CA (FHA|USDA|VA) | 147 | $63,425,000 | $431,463 | $7,269 | 3.00% |
| VISALIA, CA (FHA|USDA|VA) | 221 | $50,645,000 | $229,163 | $4,711 | 3.15% |
| VALLEJO, CA (FHA|USDA|VA) | 107 | $44,775,000 | $418,458 | $6,203 | 2.82% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 97 | $39,685,000 | $409,124 | $5,303 | 3.00% |
| MODESTO, CA (FHA|USDA|VA) | 116 | $32,440,000 | $279,655 | $5,488 | 3.04% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 59 | $30,715,000 | $520,593 | $7,779 | 2.92% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 70 | $28,720,000 | $410,286 | $4,866 | 3.02% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 70 | $26,530,000 | $379,000 | $7,044 | 3.11% |
| RICHMOND, VA (FHA|USDA|VA) | 98 | $25,810,000 | $263,367 | $4,464 | 3.01% |
| Outside of Metro Areas | 57 | $16,265,000 | $285,351 | $5,131 | 3.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 65 | $16,125,000 | $248,077 | $4,679 | 3.05% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 26 | $13,850,000 | $532,692 | $6,584 | 3.03% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 30 | $12,940,000 | $431,333 | $5,329 | 3.00% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 21 | $12,235,000 | $582,619 | $6,126 | 3.26% |
| FRESNO, CA (FHA|USDA|VA) | 37 | $11,135,000 | $300,946 | $4,871 | 3.11% |
| CHICO, CA (FHA|USDA|VA) | 34 | $10,380,000 | $305,294 | $4,913 | 3.06% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 30 | $8,310,000 | $277,000 | $5,241 | 2.94% |
| MERCED, CA (FHA|USDA|VA) | 35 | $8,215,000 | $234,714 | $4,967 | 2.93% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 19 | $6,785,000 | $357,105 | $4,778 | 2.99% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $6,460,000 | $1,076,667 | $5,204 | 2.98% |
| NAPA, CA (FHA|USDA|VA) | 12 | $5,370,000 | $447,500 | $4,876 | 3.01% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 12 | $4,820,000 | $401,667 | $5,898 | 2.95% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 14 | $4,460,000 | $318,571 | $4,181 | 3.28% |
| Hilo, HI (FHA|USDA|VA) | 8 | $4,360,000 | $545,000 | $6,783 | 2.97% |
| MADERA, CA (FHA|USDA|VA) | 15 | $4,265,000 | $284,333 | $5,858 | 3.23% |
| Fernley, NV (FHA|USDA|VA) | 16 | $3,940,000 | $246,250 | $4,541 | 2.89% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 17 | $3,835,000 | $225,588 | $5,564 | 3.07% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $3,765,000 | $418,333 | $4,935 | 2.86% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $3,500,000 | $437,500 | $9,286 | 2.72% |
| TULSA, OK (FHA|USDA|VA) | 12 | $2,940,000 | $245,000 | $5,374 | 2.93% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $2,895,000 | $2,895,000 | $12,615 | 2.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 13 | $2,835,000 | $218,077 | $4,000 | 3.12% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 7 | $2,695,000 | $385,000 | $3,700 | 3.27% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $2,630,000 | $328,750 | $5,355 | 3.25% |
| ROANOKE, VA (FHA|USDA|VA) | 16 | $2,590,000 | $161,875 | $4,328 | 3.26% |
| CARSON CITY, NV (FHA|USDA|VA) | 7 | $2,425,000 | $346,429 | $6,995 | 3.20% |
| Brookings, OR (FHA|USDA|VA) | 8 | $2,370,000 | $296,250 | $5,805 | 3.17% |
| VICTORIA, TX (FHA|USDA|VA) | 12 | $2,290,000 | $190,833 | $5,044 | 2.82% |
| BEND, OR (FHA|USDA|VA) | 4 | $2,250,000 | $562,500 | $7,622 | 3.03% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $4,189 | 3.10% |
| Sonora, CA (FHA|USDA|VA) | 6 | $2,050,000 | $341,667 | $6,014 | 3.04% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 8 | $2,020,000 | $252,500 | $3,990 | 2.81% |
| YUBA CITY, CA (FHA|USDA|VA) | 9 | $1,965,000 | $218,333 | $4,415 | 2.62% |
| CORVALLIS, OR (FHA|USDA|VA) | 8 | $1,860,000 | $232,500 | $4,904 | 3.88% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,665,000 | $333,000 | $9,272 | 2.92% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $3,301 | 3.17% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $6,059 | 3.20% |
| REDDING, CA (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $4,325 | 2.85% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $15,911 | 2.63% |
| Astoria, OR (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $4,260 | 3.58% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $3,962 | 3.21% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $3,804 | 3.41% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $6,501 | 2.88% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $7,218 | 2.92% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $3,715 | 3.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $3,724 | 2.92% |
| Red Bluff, CA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,445 | 2.96% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $8,614 | 3.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $4,291 | 3.37% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,674 | 3.54% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,055 | 3.31% |
| Outside of Metro Areas | 2 | $580,000 | $290,000 | $4,329 | 2.94% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,915 | 2.88% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,229 | 2.63% |
| Fallon, NV (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $6,862 | 2.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,500 | 2.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $4,981 | 3.92% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,893 | 2.94% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,051 | 3.13% |
| Centralia, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,522 | 2.99% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,735 | 3.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,424 | 4.00% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,300 | 3.13% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,059 | 3.63% |
| Hood River, OR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,438 | 2.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $3,857 | 2.83% |
| Martinsville, VA (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $4,277 | 3.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,345 | 3.63% |
| SALEM, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,586 | 3.13% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,475 | 3.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,492 | 2.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,638 | 3.00% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,672 | 3.37% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,665 | 3.37% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,169 | 2.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,838 | 2.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,990 | 2.38% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,941 | 3.50% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,977 | 2.75% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,132 | 2.87% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,203 | 3.00% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,553 | 2.99% |
| Harrison, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,101 | 2.88% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,473 | 2.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,140 | 2.75% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,418 | 3.25% |
| Susanville, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,473 | 3.00% |
| READING, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,462 | 2.88% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,882 | 2.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,094 | 2.38% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,791 | 2.50% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,137 | 2.88% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,051 | 3.13% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,922 | 3.25% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,644 | 3.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,154 | 3.88% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,489 | 3.25% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,828 | 3.50% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,289 | 2.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,003 | 3.50% |
| DOVER, DE (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,660 | 3.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,687 | 2.88% |
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Product Mix
For 2021, Mason Mcduffie Mortgage Corporation's most frequently originated type of loan was Conventional, with 3,514 originations. Their 2nd most popular type was FHA, with 342 originations.
Loan Reason
For 2021, Mason Mcduffie Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 1,648 originations. The 2nd most popular reason was Refi, with 1,392 originations.
Loan Duration/Length
For 2021, Mason Mcduffie Mortgage Corporation's most frequently cited loan duration was 30 Year, with 3,668 originations. The 2nd most popular length was 15 Year, with 264 originations.
Origination Fees/Closing Costs
Mason Mcduffie Mortgage Corporation's average total fees were $6,737, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,284 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,867 | $848,945,000 | $454,711 |
| 3-4% | 1,686 | $745,950,000 | $442,438 |
| <2.5% | 465 | $186,755,000 | $401,624 |
| 4-5% | 64 | $22,710,000 | $354,844 |
During 2021, Mason Mcduffie Mortgage Corporation's average interest rate for loans was 3.04%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,867 originations.
Loan Sizing
2021 saw Mason Mcduffie Mortgage Corporation place emphasis on $200k-400k loans with 1,491 originations, totaling $448,115,000 in origination value.
Applicant Income
Mason Mcduffie Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 1,113 originations. The second most popular income band? $150k-250k, with 884 originations.
Applicant Debt to Income Ratio
Mason Mcduffie Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 754 originations. The next most common DTI ratio? 30-36%, with 740 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.47%
Mason Mcduffie Mortgage Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination69.48%
Mason Mcduffie Mortgage Corporation has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,082 | $1,804,360,000 | $442,028 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,082 | $1,804,360,000 | $442,028 |
