What loan types does Bluebird Home Loans offer?

Bluebird Home Loans offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Bluebird Home Loans offer mortgages?

Bluebird Home Loans offers mortgages in 3 states: CO, ID, OR.

How competitive are Bluebird Home Loans's mortgage rates?

Bluebird Home Loans has an overall pricing score of 7.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bluebird Home Loans?

Bluebird Home Loans is a Independent Mortgage Company headquartered in Boise, ID.

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Bluebird Home Loans

Independent Mortgage Company•Boise, IDHQ•Direct•Reviews near you on Google

Bluebird Home Loans has 117 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Higher than average fees ($5,666)

Explore another lender or local market

Report Card

Bluebird Home Loans performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+48.1 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

88 loans · 0.47% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

13 loans · 0.93% above market

Sound

Top 60% of lenders

3/5

10 loans · 0.04% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

105 loans · 0.46% above market

Sound

Top 60% of lenders

3/5

Refinance

12 loans · 0.59% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 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	Acceptable	Acceptable	Mediocre	Sound	88	75.2%	+0.469%Above	$5,784Fees
FHA Loans	Sound	Sound	—	Sound	13	11.1%	+0.934%Above	$8,596Fees
VA Loans	Sound	Sound	—	—	10	8.5%	+0.040%Above	$6,277Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume88

Mix75.2%

Spread

+0.469%Above

Fees

$5,784Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume13

Mix11.1%

Spread

+0.934%Above

Fees

$8,596Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix8.5%

Spread

+0.040%Above

Fees

$6,277Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Sound	105	89.7%	+0.461%Above	$5,790Fees
Refinance	Acceptable	Acceptable	—	—	12	10.3%	+0.595%Above	$4,934Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume105

Mix89.7%

Spread

+0.461%Above

Fees

$5,790Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume12

Mix10.3%

Spread

+0.595%Above

Fees

$4,934Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

117

Applications

155

Volume

$51 million

Pricing & Closing

Avg Rate Spread

+0.481%

vs. market APOR

Avg Net Fees

$5,666

Origination − Credits

Pullthrough Rate

75.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$440,385

Avg Borrower Income

$177,462

Avg Property Value

$670,641

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 100100+None

West3

COIDOR

Top Metro Areas by Place Specialization Score

Boise City, IDMetro

Volume 95Mix 81.20% of portfolio

74/100

Strong

Top States by Place Specialization Score

IdahoState

Volume 111Mix 94.87% of portfolio

71/100

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.