We analyzed every closed loan from Bhome Mortgage — 743 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Single State · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Champion
VA
Champion
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 13.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in FHA and VA loans
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Report Card
Bhome Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 13.5 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
445 loans · 0.06% below market
Sound
Top 60% of lenders
3/5
FHA
237 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
VA
61 loans · 0.99% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
743 loans · 0.14% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 445 | 59.9% | -0.058%Below | $1,075Fees | ||||
FHA Loans | 237 | 31.9% | -0.046%Below | $928Fees | ||||
VA Loans | 61 | 8.2% | -0.986%Below | $720Fees |
Conventional
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume445
Mix59.9%
Spread
-0.058%Below
Fees
$1,075Fees
FHA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume237
Mix31.9%
Spread
-0.046%Below
Fees
$928Fees
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume61
Mix8.2%
Spread
-0.986%Below
Fees
$720Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 743 | 100.0% | -0.135%Below | $1,005Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume743
Mix100.0%
Spread
-0.135%Below
Fees
$1,005Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
743
Applications
1,000
Volume
$276 million
Pricing & Closing
Avg Rate Spread
-0.135%
vs. market APOR
Avg Net Fees
$1,005
Origination − Credits
Pullthrough Rate
74.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$372,752
Avg Borrower Income
$158,082
Avg Property Value
$439,065
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
All statesNone
South1
TX
Top Metro Areas by Place Specialization Score
2© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 72Mix 9.69% of portfolio
66/100
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(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.