Market Position Report
Generated from your closed-loan production in Model Match. No manual pulls, no spreadsheets.
The short version
Over the last 12 months you closed $311.6M across 224 loans at a $1.39M average loan size — a jumbo, Westside LA book. Three things stand out when we look at the full picture: you're concentrated in one city, concentrated with one lender, and there's a real opening with agents in your own markets whose business isn't locked up by anyone.
None of that is a problem on its own. Together, they tell you exactly where your next 90 days should go.
Where your business is coming from
Los Angeles alone is 38% of everything you closed — more than six times your next-biggest market. That's not unusual for someone based there, but it means your other markets are still mostly untapped upside, not dead ends.
Where to look
Newport Beach ($9.7M on just 4 loans) and Malibu ($6.7M on 3 loans) are large-ticket markets where you've barely scratched the surface. A handful of new relationships there could move the needle fast, given your average deal size.
Where your risk is concentrated
This is the single biggest thing to fix. 59% of your volume runs through one lender — Meridian Home Lending. If their guidelines, pricing, or capacity shift, nearly six in ten of your deals are exposed with no backup at the same scale.
| Lender | Volume | Loans | Share |
|---|---|---|---|
| Meridian Home Lending | $184.9M | 103 | 59.4% |
| Bluewater Capital | $52.5M | 49 | 16.8% |
| Anchor Point Mortgage Bankers | $51.8M | 39 | 16.6% |
| Fundstream Capital | $10.9M | 12 | 3.5% |
| All others (6 lenders) | $7.2M | 14 | 2.3% |
| Share is percent of your closed volume over the trailing 12 months. | |||
Risk flag
Bluewater and Anchor Point are already proven — both handle $50M+ of your business today. The fix isn't finding new partners, it's shifting volume toward the two you already trust. Target: no single lender above 45% within two quarters.
Purchase, refi, and loan type
You're not purely rate-cycle dependent — purchase and refinance are nearly even. Your loan-type mix is exactly what you'd expect at your price point.
Agents you should be talking to
These are the highest-volume buyer-side agents in your exact markets — and the number beside each bar is how many different loan officers they currently spread their business across. An agent working with 25–36 different LOs has no one to defend. Their business is genuinely in play.
Solid bars are agents spreading business across 25+ loan officers — fragmented, and in play. Light bars have an established relationship with someone already.
| Agent | Office | Market | Buyer vol. | LOs used |
|---|---|---|---|---|
| R. Dylan Foster | Meridian Realty Group | Los Angeles | $197.2M | 36 |
| Casey Whitman | Anchor Realty Partners | Newport Beach | $109.5M | 36 |
| Devon Marsh | Crestpoint International | Beverly Hills | $136.1M | 11 |
| Elliot Rhodes | Highline Properties | Los Angeles | $113.3M | 28 |
| Nathan Voss | Meridian Realty Group | Malibu | $113.0M | 10 |
| Grant Calloway | Highline Properties | Newport Beach | $98.6M | 25 |
Leave alone for now
Owen Baxter, Sam Delacroix, and Wesley Cho each work with only 3–4 loan officers total — someone already owns those relationships. Worth checking whether it's you before spending effort there.
Your 90-day plan
Shift 15–20% of your Meridian Home Lending volume toward Bluewater and Anchor Point. This is your highest-leverage, lowest-effort move — both partners already handle your business at scale.
Casey Whitman and Grant Calloway together represent $208M in fragmented buyer-side volume, in a market where you already close large but infrequent deals.
R. Dylan Foster and Elliot Rhodes are the two largest pools of fragmented buyer-side volume in your home market — and you're already there.
Nathan Voss (10 LOs, $113M buyer volume) pairs naturally with the $6.7M footprint you already have there. Fewer LOs means a harder door — but it's the smallest lift on this list for real upside.