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Priority Home Mortgage

Independent Mortgage CompanyHouston, TXHQDirectReviews near you on Google

We analyzed every closed loan from Priority Home Mortgage 1.3k loans across 2k applications— and benchmarked them against peer lenders 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
FHA Champion
FHA
Champion
VA Champion
VA
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 49.40 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

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Report Card

Priority Home Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 49.4 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
959 loans · 0.41% below market
Strong
Top 40% of lenders
4/5
FHA
162 loans · 0.40% below market
Strong
Top 40% of lenders
4/5
VA
167 loans · 1.20% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,289 loans · 0.49% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume959
Mix74.4%
Spread
-0.406%Below
Fees
$813Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume162
Mix12.6%
Spread
-0.401%Below
Fees
$441Fees
VA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume167
Mix13.0%
Spread
-1.199%Below
Fees
$802Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume1,289
Mix100.0%
Spread
-0.494%Below
Fees
$770Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,289
Applications
1,645
Volume
$600 million
Pricing & Closing
Avg Rate Spread
-0.494%
vs. market APOR
Avg Net Fees
$770
Origination − Credits
Pullthrough Rate
78.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$465,900
Avg Borrower Income
$178,692
Avg Property Value
$571,951

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 5050+None
South1
TX
West1
CO

Top Metro Areas by Place Specialization Score

Volume 591Mix 45.85% of portfolio
86/100
Exceptional
Volume 265Mix 20.56% of portfolio
83/100
Exceptional
4© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 162Mix 12.57% of portfolio
71/100
Strong
5© Xnatedawgx · CC BY-SA 4.0
Colorado Springs, COMetro
Volume 52Mix 4.03% of portfolio
61/100
Strong
Volume 16Mix 1.24% of portfolio
53/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 1,237Mix 95.97% of portfolio
85/100
Exceptional
Colorado
Colorado
2
ColoradoState
Volume 52Mix 4.03% of portfolio
54/100
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
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.