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Home Solution Lenders

Independent Mortgage CompanyBartow, FLHQDirectReviews near you on Google

We analyzed every closed loan from Home Solution Lenders 583 loans across 662 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans

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Report Card

Home Solution Lenders performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
173 loans
Sound
Top 60% of lenders
3/5
FHA
316 loans · 1.26% above market
Strong
Top 40% of lenders
4/5
VA
91 loans
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
581 loans · 1.26% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Pull Through
Strong
Volume173
Mix29.7%
Spread
Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Exceptional
Volume316
Mix54.2%
Spread
+1.263%Above
Fees
$3,444Fees
VA Loans
Overall
Exceptional
Product
Strong
Pricing
Pull Through
Exceptional
Volume91
Mix15.6%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume581
Mix99.7%
Spread
+1.263%Above
Fees
$3,444Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
583
Applications
662
Volume
$191 million
Pricing & Closing
Pullthrough Rate
88.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$328,551
Avg Borrower Income
$115,604
Avg Property Value
$371,998

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 500500+None
South2
FLGA

Top Metro Areas by Place Specialization Score

Volume 298Mix 51.11% of portfolio
94/100
Exceptional
2© Ebyabe · CC BY 2.5
Ocala, FLMetro
Volume 61Mix 10.46% of portfolio
73/100
Strong
Volume 108Mix 18.52% of portfolio
71/100
Strong
Volume 63Mix 10.81% of portfolio
63/100
Strong
5© Ebyabe · CC BY-SA 3.0
Sebring, FLMetro
Volume 22Mix 3.77% of portfolio
61/100
Strong

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 575Mix 98.63% of portfolio
78/100
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
Champion(80%+ = 40-50 points)
Superstar
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.