Ideal Home Loans
Ideal Home Loans has 35 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,321)
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Ideal Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+18.0 bps above market avg
2/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
22 loans · 0.23% above market
Mediocre
Bottom 20% of lenders
1/5
FHA
13 loans · 0.11% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
10 loans · 0.22% above market
Mediocre
Bottom 20% of lenders
1/5
Refinance
25 loans · 0.16% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 1 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 | — | 22 | 62.9% | +0.226%Above | $4,564Fees | |||
FHA Loans | — | 13 | 37.1% | +0.113%Above | $3,966Fees |
Conventional
OverallMediocre
ProductMediocre
Pricing—
Pull ThroughMediocre
Volume22
Mix62.9%
Spread
+0.226%Above
Fees
$4,564Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughStrong
Volume13
Mix37.1%
Spread
+0.113%Above
Fees
$3,966Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | — | 10 | 28.6% | +0.217%Above | $4,675Fees | |||
Refinance | 25 | 71.4% | +0.163%Above | $4,160Fees |
Purchase
OverallMediocre
ProductMediocre
Pricing—
Pull ThroughMediocre
Volume10
Mix28.6%
Spread
+0.217%Above
Fees
$4,675Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume25
Mix71.4%
Spread
+0.163%Above
Fees
$4,160Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
35
Applications
86
Volume
$14 million
Pricing & Closing
Avg Rate Spread
+0.180%
vs. market APOR
Avg Net Fees
$4,321
Origination − Credits
Pullthrough Rate
40.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$412,714
Avg Borrower Income
$161,114
Avg Property Value
$700,429
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
< 2020+None
South1
TX
West2
AZCO
Top Metro Areas by Place Specialization Score
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.