What loan types does Habitfactory USA offer?

Habitfactory USA offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Habitfactory USA offer mortgages?

Habitfactory USA offers mortgages in 2 states: CA, TX.

How competitive are Habitfactory USA's mortgage rates?

Habitfactory USA has an overall pricing score of 9.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Habitfactory USA?

Habitfactory USA is a Independent Mortgage Company headquartered in Los Angeles, CA.

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Habitfactory USA

Independent Mortgage Company•Los Angeles, CAHQ•Direct•Reviews near you on Google

Habitfactory USA has 58 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

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 65 basis points above market average
Higher than average fees ($5,477)

Explore another lender or local market

Report Card

Habitfactory USA performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+64.6 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

51 loans · 0.65% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

44 loans · 0.59% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

14 loans · 0.93% 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	51	87.9%	+0.646%Above	$5,477Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume51

Mix87.9%

Spread

+0.646%Above

Fees

$5,477Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Sound	44	75.9%	+0.590%Above	$5,175Fees
Refinance	Acceptable	Acceptable	—	—	14	24.1%	+0.927%Above	$6,990Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume44

Mix75.9%

Spread

+0.590%Above

Fees

$5,175Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume14

Mix24.1%

Spread

+0.927%Above

Fees

$6,990Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$38 million

Pricing & Closing

Avg Rate Spread

+0.646%

vs. market APOR

Avg Net Fees

$5,477

Origination − Credits

Pullthrough Rate

77.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$666,207

Avg Borrower Income

$412,310

Avg Property Value

$1,085,862

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 5050+None

South1

West1

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 36Mix 62.07% of portfolio

63/100

Strong

Anaheim, CAMetro

Volume 14Mix 24.14% of portfolio

53/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 57Mix 98.28% of portfolio

60/100

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.