What loan types does Instamortgage offer?

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

Where does Instamortgage offer mortgages?

Instamortgage offers mortgages in 20 states: AZ, CA, CO, CT, DE, FL, GA, IL, LA, MD, MI, NC, NJ, NV, OK, PA, TN, TX, VA, WA.

What type of lender is Instamortgage?

Instamortgage is a Independent Mortgage Company headquartered in SAN JOSE, CA.

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Instamortgage

Independent Mortgage Company•San Jose, CAHQ•Direct•Reviews near you on Google

Instamortgage has 133 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

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Sound

3/5

Multi-Region · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

Instamortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

87 loans · 0.91% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

40 loans · 0.60% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

109 loans · 0.75% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

24 loans

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 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	Acceptable	—	Sound	87	65.4%	+0.906%Above	$3,738Fees
FHA Loans	Strong	Sound	—	Exceptional	40	30.1%	+0.599%Above	$5,510Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume87

Mix65.4%

Spread

+0.906%Above

Fees

$3,738Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Exceptional

Volume40

Mix30.1%

Spread

+0.599%Above

Fees

$5,510Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	—	Sound	109	82.0%	+0.752%Above	$4,624Fees
Refinance	Sound	Acceptable	—	Strong	24	18.0%	—	—

Purchase

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume109

Mix82.0%

Spread

+0.752%Above

Fees

$4,624Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Strong

Volume24

Mix18.0%

Spread—

Fees—

At a Glance

Lender Overview

Lending Activity

Loans Originated

133

Applications

142

Volume

$53 million

Pricing & Closing

Pullthrough Rate

93.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$405,526

Avg Borrower Income

$163,647

Avg Property Value

$627,331

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

20Full-year 2024 · HMDA

Loans originated

< 1010–2020+None

Northeast3

CTNJPA

Midwest2

ILMI

South10

DEFLGALAMDNCOKTNTXVA

West5

AZCACONVWA

Top Metro Areas by Place Specialization Score

Las Vegas, NVMetro

Volume 22Mix 16.54% of portfolio

55/100

Sound

Dover, DEMetro

Volume 10Mix 7.52% of portfolio

47/100

Sound

Dallas, TXMetro

Volume 11Mix 8.27% of portfolio

43/100

Sound

Top States by Place Specialization Score

NevadaState

Volume 22Mix 16.54% of portfolio

54/100

Sound

CaliforniaState

Volume 33Mix 24.81% of portfolio

51/100

Sound

DelawareState

Volume 13Mix 9.77% of portfolio

48/100

Sound

TexasState

Volume 20Mix 15.04% of portfolio

45/100

Sound

WashingtonState

Volume 10Mix 7.52% of portfolio

43/100

Sound

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.