HomeAmerican Mortgage
We analyzed every closed loan from HomeAmerican Mortgage — 7.3k loans across 9k 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
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 42 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
FHA
Champion
VA
Champion
Purchase
Champion
Summary
What They Do Well
- Offers rates 65.40 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
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Report Card
HomeAmerican Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 65.4 bps below market avg
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
3,817 loans · 0.33% below market
Exceptional
Top 20% of lenders
5/5
FHA
2,322 loans · 0.91% below market
Exceptional
Top 20% of lenders
5/5
VA
1,162 loans · 1.29% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
11 loans · 0.06% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
7,316 loans · 0.65% below market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 43 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 | 3,817 | 52.2% | -0.333%Below | $130Fees | ||||
FHA Loans | 2,322 | 31.7% | -0.912%Below | $6Credit | ||||
VA Loans | 1,162 | 15.9% | -1.293%Below | $144Fees | ||||
Jumbo Loans | — | 11 | 0.2% | +0.061%Above | $2,145Credit |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume3,817
Mix52.2%
Spread
-0.333%Below
Fees
$130Fees
FHA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume2,322
Mix31.7%
Spread
-0.912%Below
Fees
$6Credit
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume1,162
Mix15.9%
Spread
-1.293%Below
Fees
$144Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume11
Mix0.2%
Spread
+0.061%Above
Fees
$2,145Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 7,316 | 100.0% | -0.654%Below | $65Fees |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume7,316
Mix100.0%
Spread
-0.654%Below
Fees
$65Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
7,316
Applications
9,383
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
-0.654%
vs. market APOR
Avg Net Fees
$65
Origination − Credits
Pullthrough Rate
78.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$465,730
Avg Borrower Income
$155,183
Avg Property Value
$560,888
Geographic Coverage
Geographic Performance
Metro Areas
42
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
16Full-year 2024 · HMDALoans originated
< 5050–100100–500500–1,0001,000+None
Northeast1
PA
South6
ALFLMDTNTXVA
West9
AZCACOIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 42 metro areas
Top States by Place Specialization Score
Showing 10 of 15 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.