Home Mortgage Alliance Corporation
We analyzed every closed loan from Home Mortgage Alliance Corporation — 965 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
National · 25 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 76 basis points above market average
- Higher than average fees ($4,475)
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Home Mortgage Alliance Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+75.9 bps above market avg
1/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
504 loans · 0.83% above market
Strong
Top 40% of lenders
4/5
FHA
351 loans · 0.80% above market
Strong
Top 40% of lenders
4/5
VA
57 loans · 0.11% below market
Strong
Top 40% of lenders
4/5
Jumbo
53 loans · 1.19% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
755 loans · 0.77% above market
Strong
Top 40% of lenders
4/5
Refinance
210 loans · 0.70% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
National · 26 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 | 504 | 52.2% | +0.833%Above | $5,255Fees | ||||
FHA Loans | 351 | 36.4% | +0.803%Above | $4,050Fees | ||||
VA Loans | 57 | 5.9% | -0.106%Below | $4,054Fees | ||||
Jumbo Loans | — | 53 | 5.5% | +1.185%Above | $1,597Fees |
Conventional
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume504
Mix52.2%
Spread
+0.833%Above
Fees
$5,255Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume351
Mix36.4%
Spread
+0.803%Above
Fees
$4,050Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume57
Mix5.9%
Spread
-0.106%Below
Fees
$4,054Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume53
Mix5.5%
Spread
+1.185%Above
Fees
$1,597Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 755 | 78.2% | +0.771%Above | $4,552Fees | ||||
Refinance | 210 | 21.8% | +0.702%Above | $4,123Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume755
Mix78.2%
Spread
+0.771%Above
Fees
$4,552Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume210
Mix21.8%
Spread
+0.702%Above
Fees
$4,123Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
965
Applications
1,823
Volume
$457 million
Pricing & Closing
Avg Rate Spread
+0.759%
vs. market APOR
Avg Net Fees
$4,475
Origination − Credits
Pullthrough Rate
52.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$474,440
Avg Borrower Income
$203,623
Avg Property Value
$610,150
Geographic Coverage
Geographic Performance
Metro Areas
25
markets with activity
States Served
40
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
40Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast4
CTMANJPA
Midwest9
IAILINKSMIMNMOOHWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 25 metro areas
Top States by Place Specialization Score
Showing 10 of 16 states
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.