Homebridge Financial Services
We analyzed every closed loan from Homebridge Financial Services — 2.7k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
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
- Pricing may be below industry average
Explore another lender or local market
Report Card
Homebridge Financial Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+36.8 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,442 loans · 0.56% above market
Strong
Top 40% of lenders
4/5
FHA
890 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
VA
219 loans · 0.28% below market
Strong
Top 40% of lenders
4/5
Jumbo
133 loans · 1.15% above market
Strong
Top 40% of lenders
4/5
USDA
12 loans · 0.37% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
2,095 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
Refinance
601 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 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 | 1,442 | 53.5% | +0.565%Above | $3,833Fees | ||||
FHA Loans | 890 | 33.0% | +0.432%Above | $1,502Fees | ||||
VA Loans | 219 | 8.1% | -0.281%Below | $1,626Fees | ||||
Jumbo Loans | 133 | 4.9% | +1.149%Above | $3,868Fees | ||||
USDA Loans | — | 12 | 0.4% | +0.371%Above | $2,588Fees |
Conventional
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume1,442
Mix53.5%
Spread
+0.565%Above
Fees
$3,833Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume890
Mix33.0%
Spread
+0.432%Above
Fees
$1,502Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume219
Mix8.1%
Spread
-0.281%Below
Fees
$1,626Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume133
Mix4.9%
Spread
+1.149%Above
Fees
$3,868Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume12
Mix0.4%
Spread
+0.371%Above
Fees
$2,588Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,095 | 77.7% | +0.495%Above | $3,694Fees | ||||
Refinance | 601 | 22.3% | +0.206%Above | $755Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume2,095
Mix77.7%
Spread
+0.495%Above
Fees
$3,694Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume601
Mix22.3%
Spread
+0.206%Above
Fees
$755Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,696
Applications
4,535
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.368%
vs. market APOR
Avg Net Fees
$2,403
Origination − Credits
Pullthrough Rate
59.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$483,412
Avg Borrower Income
$238,059
Avg Property Value
$634,142
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
50
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
50Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest11
IAILINKSMIMNMONEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 33 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.