Home Town Funding
We analyzed every closed loan from Home Town Funding — 765 loans across 847 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
Refinance
Champion
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 6.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Explore another lender or local market
Report Card
Home Town Funding performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 6.5 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
713 loans · 0.09% below market
Strong
Top 40% of lenders
4/5
FHA
20 loans · 0.35% above market
Sound
Top 60% of lenders
3/5
Jumbo
24 loans · 0.36% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
620 loans · 0.06% below market
Strong
Top 40% of lenders
4/5
Refinance
145 loans · 0.07% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 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 | 713 | 93.2% | -0.090%Below | $1,049Fees | ||||
FHA Loans | 20 | 2.6% | +0.352%Above | $637Fees | ||||
Jumbo Loans | — | 24 | 3.1% | -0.363%Below | $3,038Credit |
Conventional
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume713
Mix93.2%
Spread
-0.090%Below
Fees
$1,049Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughExceptional
Volume20
Mix2.6%
Spread
+0.352%Above
Fees
$637Fees
Jumbo Loans
OverallExceptional
ProductStrong
Pricing—
Pull ThroughExceptional
Volume24
Mix3.1%
Spread
-0.363%Below
Fees
$3,038Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 620 | 81.0% | -0.064%Below | $1,047Fees | ||||
Refinance | 145 | 19.0% | -0.070%Below | $771Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume620
Mix81.0%
Spread
-0.064%Below
Fees
$1,047Fees
Refinance
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume145
Mix19.0%
Spread
-0.070%Below
Fees
$771Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
765
Applications
847
Volume
$222 million
Pricing & Closing
Avg Rate Spread
-0.065%
vs. market APOR
Avg Net Fees
$1,007
Origination − Credits
Pullthrough Rate
90.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$290,242
Avg Borrower Income
$157,080
Avg Property Value
$388,163
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
11Full-year 2024 · HMDALoans originated
< 1010+None
Northeast3
NJNYPA
Midwest1
IN
South5
ALFLNCSCTN
West2
UTWA
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.
Looking for a different lender?
Are you the owner of Home Town Funding?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.