What loan types does Homeservices Lending offer?

Homeservices Lending offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Homeservices Lending offer mortgages?

Homeservices Lending offers mortgages in 1 states: IA.

How competitive are Homeservices Lending's mortgage rates?

Homeservices Lending has an overall pricing score of 38.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Homeservices Lending?

Homeservices Lending is a Independent Mortgage Company headquartered in WILMINGTON, DE.

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Homeservices Lending

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Homeservices Lending — 504 loans across 603 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

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Strong

4/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

FHA

Superstar

Purchase

Superstar

Summary

What They Do Well

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

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Homeservices Lending performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+27.8 bps above market avg

2/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

335 loans · 0.35% above market

Strong

Top 40% of lenders

4/5

FHA

109 loans · 0.50% above market

Strong

Top 40% of lenders

4/5

56 loans · 0.55% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

489 loans · 0.28% above market

Strong

Top 40% of lenders

4/5

Refinance

15 loans · 0.15% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 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	Sound	Strong	Acceptable	Strong	335	66.5%	+0.350%Above	$2,592Fees
FHA Loans	Strong	Strong	Sound	Exceptional	109	21.6%	+0.498%Above	$2,448Fees
VA Loans	Strong	Strong	Strong	Exceptional	56	11.1%	-0.545%Below	$1,610Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume335

Mix66.5%

Spread

+0.350%Above

Fees

$2,592Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Exceptional

Volume109

Mix21.6%

Spread

+0.498%Above

Fees

$2,448Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume56

Mix11.1%

Spread

-0.545%Below

Fees

$1,610Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Acceptable	Strong	489	97.0%	+0.284%Above	$2,428Fees
Refinance	Acceptable	Acceptable	—	Acceptable	15	3.0%	+0.149%Above	$2,755Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume489

Mix97.0%

Spread

+0.284%Above

Fees

$2,428Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume15

Mix3.0%

Spread

+0.149%Above

Fees

$2,755Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

504

Applications

603

Volume

$127 million

Pricing & Closing

Avg Rate Spread

+0.278%

vs. market APOR

Avg Net Fees

$2,443

Origination − Credits

Pullthrough Rate

83.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$253,512

Avg Borrower Income

$107,607

Avg Property Value

$304,881

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 500500+None

Midwest1

Top Metro Areas by Place Specialization Score

Des Moines, IAMetro

Volume 419Mix 83.13% of portfolio

92/100

Exceptional

Ames, IAMetro

Volume 18Mix 3.57% of portfolio

55/100

Sound

Cedar Rapids, IAMetro

Volume 16Mix 3.17% of portfolio

49/100

Sound

Top States by Place Specialization Score

IowaState

Volume 504Mix 100.00% of portfolio

83/100

Exceptional

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.