Plaza Home Mortgage
Plaza Home Mortgage's 11.2k closed loans and 18k applications, benchmarked 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
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Plaza Home Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+38.0 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
6,247 loans · 0.26% above market
Exceptional
Top 20% of lenders
5/5
FHA
3,501 loans · 0.79% above market
Exceptional
Top 10% of lenders
5/5
VA
1,059 loans · 0.23% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
142 loans · 0.83% above market
Strong
Top 40% of lenders
4/5
USDA
216 loans · 0.41% above market
Exceptional
Top 10% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
9,241 loans · 0.40% above market
Exceptional
Top 20% of lenders
5/5
Refinance
1,924 loans · 0.29% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 6,247 | 56.0% | +0.263%Above | $2,606Fees | ||||
FHA Loans | 3,501 | 31.4% | +0.790%Above | $3,236Fees | ||||
VA Loans | 1,059 | 9.5% | -0.234%Below | $2,820Fees | ||||
Jumbo Loans | 142 | 1.3% | +0.826%Above | $3,164Fees | ||||
USDA Loans | 216 | 1.9% | +0.413%Above | $2,207Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume6,247
Mix56.0%
Spread
+0.263%Above
Fees
$2,606Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,501
Mix31.4%
Spread
+0.790%Above
Fees
$3,236Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,059
Mix9.5%
Spread
-0.234%Below
Fees
$2,820Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume142
Mix1.3%
Spread
+0.826%Above
Fees
$3,164Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume216
Mix1.9%
Spread
+0.413%Above
Fees
$2,207Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 9,241 | 82.8% | +0.396%Above | $2,689Fees | ||||
Refinance | 1,924 | 17.2% | +0.289%Above | $3,421Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume9,241
Mix82.8%
Spread
+0.396%Above
Fees
$2,689Fees
Refinance
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume1,924
Mix17.2%
Spread
+0.289%Above
Fees
$3,421Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
11,165
Applications
18,307
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
+0.380%
vs. market APOR
Avg Net Fees
$2,801
Origination − Credits
Pullthrough Rate
61.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$347,816
Avg Borrower Income
$136,100
Avg Property Value
$439,386
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
51Full-year 2024 · HMDANationwide · all 50 states and DCLoans originated
< 2020–100100–200200–500500+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
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 47 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.