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Homeland Mortgage Company

Independent Mortgage Company•Westmont, ILHQ•Direct•Reviews near you on Google

Homeland Mortgage Company has 301 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

Homeland Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+12.5 bps above market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
300 loans · 0.13% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
216 loans · 0.16% above market
Sound
Top 60% of lenders
3/5
Refinance
85 loans · 0.03% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume300
Mix99.7%
Spread
+0.126%Above
Fees
$707Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume216
Mix71.8%
Spread
+0.163%Above
Fees
$504Credit
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume85
Mix28.2%
Spread
+0.031%Above
Fees
$1,203Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
301
Applications
301
Volume
$116 million
Pricing & Closing
Avg Rate Spread
+0.125%
vs. market APOR
Avg Net Fees
$-701
Origination − Credits
Pullthrough Rate
100.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$385,930
Avg Borrower Income
$185,349
Avg Property Value
$539,751

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

4Full-year 2024 · HMDA
4 states with loan originations
Loans originated
< 200200+None
Midwest1
IL
South3
FLGATX

Top Metro Areas by Place Specialization Score

1© John Picken; derivative by Georgfotoart · CC BY 2.0
Chicago, ILMetro
Volume 223Mix 74.09% of portfolio
77/100
Strong
2© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0
Lake County, ILMetro
Volume 44Mix 14.62% of portfolio
72/100
Strong
3© G LeTourneau · CC BY-SA 3.0
Elgin, ILMetro
Volume 16Mix 5.32% of portfolio
51/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 286Mix 95.02% 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.