What loan types does Home Financing Unlimited offer?

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

Where does Home Financing Unlimited offer mortgages?

Home Financing Unlimited offers mortgages in 1 states: TX.

How competitive are Home Financing Unlimited's mortgage rates?

Home Financing Unlimited has an overall pricing score of 78.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Home Financing Unlimited?

Home Financing Unlimited is a Independent Mortgage Company headquartered in AUSTIN, TX.

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Home Financing Unlimited

Independent Mortgage Company•Austin, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Home Financing Unlimited — 461 loans across 483 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Champion

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 52.40 basis points below market average
Strong pull through performance
Particularly strong in FHA and VA loans

Explore another lender or local market

Report Card

Home Financing Unlimited performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 52.4 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

303 loans · 0.48% below market

Sound

Top 60% of lenders

3/5

FHA

115 loans · 0.49% below market

Strong

Top 40% of lenders

4/5

34 loans · 1.08% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

457 loans · 0.53% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 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	Strong	Sound	Strong	Strong	303	65.7%	-0.483%Below	$2,574Fees
FHA Loans	Strong	Strong	Exceptional	Exceptional	115	24.9%	-0.489%Below	$2,666Fees
VA Loans	Exceptional	Strong	Exceptional	Exceptional	34	7.4%	-1.083%Below	$1,462Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume303

Mix65.7%

Spread

-0.483%Below

Fees

$2,574Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Exceptional

Volume115

Mix24.9%

Spread

-0.489%Below

Fees

$2,666Fees

VA Loans

Overall

Exceptional

Product

Strong

Pricing

Exceptional

Pull Through

Exceptional

Volume34

Mix7.4%

Spread

-1.083%Below

Fees

$1,462Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Strong	457	99.1%	-0.530%Below	$2,510Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume457

Mix99.1%

Spread

-0.530%Below

Fees

$2,510Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

461

Applications

483

Volume

$187 million

Pricing & Closing

Avg Rate Spread

-0.524%

vs. market APOR

Avg Net Fees

$2,499

Origination − Credits

Pullthrough Rate

95.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$407,213

Avg Borrower Income

$188,881

Avg Property Value

$506,280

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

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

Austin, TXMetro

Volume 432Mix 93.71% of portfolio

93/100

Exceptional

San Antonio, TXMetro

Volume 16Mix 3.47% of portfolio

46/100

Sound

Top States by Place Specialization Score

TexasState

Volume 461Mix 100.00% of portfolio

77/100

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.