Mason Mcduffie Mortgage Corporation Rates, Fees & Info

SAN FRANCISCO, CA

LEI: 549300UB5TJ0YPVPT503

Tax ID: 20-2693054

3.3 stars - out of 5 stars, based on 64 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


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. Their top markets include San Francisco, Santa Cruz, San Jose, Sacramento, and Salinas among others. Mason Mcduffie Mortgage Corporation has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Mason Mcduffie Mortgage Corporation is typically a high fee lendor.


Originations

4,082

Origination Dollar Volume (All Markets)

$1,804,360,000

Awards

MASON MCDUFFIE MORTGAGE CORPORATION 30 Year Conventional Loans bronze MASON MCDUFFIE MORTGAGE CORPORATION 30 Year Conventional Loans bronze MASON MCDUFFIE MORTGAGE CORPORATION FHA Loans bronze MASON MCDUFFIE MORTGAGE CORPORATION FHA Loans silver
Show all (4) awards

Relative Rate

Mason Mcduffie Mortgage Corporation's average 30 year fixed rate mortgage of loans were 3.04%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.11%.

Relative Fees

Mason Mcduffie Mortgage Corporation's average total fees for a 30 year fixed rate mortgage are $6,737.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

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%

Mason Mcduffie Mortgage Corporation's top markets include San Francisco, Santa Cruz, San Jose, Sacramento, and Salinas among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 3,514 $1,566,960,000 $445,919 $5,806 3.04%
FHA 344 $139,150,000 $404,506 $12,173 2.92%
VA 197 $92,375,000 $468,909 $9,114 2.60%
USDA 27 $5,875,000 $217,593 $5,998 2.98%

For the 2021 period, Mason Mcduffie Mortgage Corporation's most frequently originated loan type of loans were Conventional, with 3,514 originations. Their 2nd most popular type is FHA, with 344 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,648 $809,760,000 $491,359 $8,016 3.01%
Refi 1,392 $578,490,000 $415,582 $5,077 2.92%
Cash Out Refi 1,042 $416,110,000 $399,338 $5,959 3.12%

For the 2021, Mason Mcduffie Mortgage Corporation's most frequently cited loan purpose of loans were Home Purchase, with 1,648 originations. The 2nd most popular reason of loans were Refi, with 1,392 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 3,668 $1,673,230,000 $456,170 $6,737 3.04%
15 Year 264 $83,420,000 $315,985 $4,111 2.61%
20 Year 83 $25,715,000 $309,819 $4,608 2.85%
Other 48 $16,520,000 $344,167 $4,060 2.90%
10 Year 18 $5,460,000 $303,333 $4,790 2.44%
3 Year 1 $15,000 $15,000 $0 0.00%

For the 2021, Mason Mcduffie Mortgage Corporation's most frequently cited loan length of loans were 30 Year, with 3,668 originations. The 2nd most popular length of loans were 15 Year, with 264 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 2,284 $941,960,000 $412,417
$5k+ 695 $415,825,000 $598,309
$3k-4k 517 $236,395,000 $457,244
$2k-3k 466 $184,600,000 $396,137
$<1k 118 $24,870,000 $210,763

$6,737 of loans were Mason Mcduffie Mortgage Corporation's average total fees, while their most frequently occuring range of origination fees 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 of loans were 3.04%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,867 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,491 $448,115,000 $300,547 $5,233 3.03%
$400k-600k 1,228 $604,000,000 $491,857 $6,686 3.01%
$600k-1MM 682 $499,530,000 $732,449 $10,160 3.04%
$100k-200k 477 $74,825,000 $156,866 $3,891 3.11%
$1MM+ 122 $174,570,000 $1,430,902 $12,453 2.93%
$100,000 or less 82 $3,320,000 $40,488 $1,543 1.63%

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

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 1,113 $491,825,000 $441,891 $6,651 3.02%
$150k-250k 884 $472,960,000 $535,023 $7,187 3.04%
$75k-100k 673 $241,245,000 $358,462 $6,028 2.98%
$50k-75k 650 $179,810,000 $276,631 $5,276 3.00%
$250k+ 409 $328,575,000 $803,362 $8,686 3.00%
$50k or less 278 $56,770,000 $204,209 $4,531 3.03%

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

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 754 $320,980,000 $425,703 $5,678 2.97%
30-36% 740 $330,540,000 $446,676 $6,241 3.00%
<20% 260 $93,700,000 $360,385 $4,397 2.75%
42% 202 $94,220,000 $466,436 $6,825 3.12%
44% 193 $82,935,000 $429,715 $6,545 3.15%
41% 166 $79,870,000 $481,145 $6,583 3.08%
38% 163 $83,745,000 $513,773 $6,422 3.05%
50-60% 161 $70,655,000 $438,851 $11,420 2.96%
49% 161 $76,415,000 $474,627 $7,342 3.01%
40% 156 $72,470,000 $464,551 $6,882 3.09%
43% 142 $57,450,000 $404,577 $6,035 3.11%
36% 137 $64,245,000 $468,942 $6,510 2.99%
39% 137 $64,645,000 $471,861 $7,238 3.05%
37% 133 $62,025,000 $466,353 $6,233 2.96%
46% 130 $56,060,000 $431,231 $7,249 3.07%
48% 127 $55,105,000 $433,898 $6,890 3.10%
45% 124 $55,260,000 $445,645 $6,970 3.04%
47% 122 $51,460,000 $421,803 $6,566 3.10%
>60% 9 $5,395,000 $599,444 $13,364 3.15%

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

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,780 $1,176,260,000 $423,115 $6,185 3.01%
Not provided 710 $337,310,000 $475,085 $7,253 2.98%
Asian 324 $171,260,000 $528,580 $6,868 3.00%
Black 164 $68,860,000 $419,878 $7,138 3.07%
Asian Indian 21 $14,175,000 $675,000 $7,288 2.97%
Filipino 24 $11,850,000 $493,750 $8,717 2.88%
American Indian 27 $10,045,000 $372,037 $6,505 3.00%
Native Hawaiian 20 $9,510,000 $475,500 $6,050 3.18%
Chinese 2 $1,530,000 $765,000 $7,167 3.37%
Vietnamese 1 $1,275,000 $1,275,000 $23,967 2.50%
Korean 1 $825,000 $825,000 $5,880 3.00%
Other Pacific Islander 2 $780,000 $390,000 $4,516 3.50%
Guamanian 3 $545,000 $181,667 $375 1.79%
Japanese 3 $135,000 $45,000 $1,062 1.29%

Approval Rates

Total approvals of all applications
94.19%

Mason Mcduffie Mortgage Corporation has an average approval rate.

Pick Rate

Approvals leading to origination
73.46%

Mason Mcduffie Mortgage Corporation has a below average pick rate.

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

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 390 $116,710,000 $299,256 $4,880 2.93%
40-60% 884 $360,830,000 $408,179 $5,249 2.95%
60-80% 1,481 $716,565,000 $483,839 $6,369 3.10%
80-100% 1,207 $584,395,000 $484,171 $8,046 3.05%
Over 100% 26 $16,490,000 $634,231 $23,417 2.60%
Under 20% 94 $9,370,000 $99,681 $1,947 1.81%