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Residential Home Mortgage Corporation

Independent Mortgage Company•Hampton, NJHQ•Direct•Reviews near you on Google

Residential Home Mortgage Corporation has 138 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Regional · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Residential Home Mortgage Corporation performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+30.4 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
107 loans · 0.20% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
26 loans · 0.75% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
126 loans · 0.31% above market
Sound
Top 60% of lenders
3/5
Refinance
12 loans · 0.20% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Sound
Volume107
Mix77.5%
Spread
+0.205%Above
Fees
$3,999Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume26
Mix18.8%
Spread
+0.746%Above
Fees
$4,036Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume126
Mix91.3%
Spread
+0.314%Above
Fees
$4,016Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume12
Mix8.7%
Spread
+0.200%Above
Fees
$3,194Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
138
Applications
178
Volume
$56 million
Pricing & Closing
Avg Rate Spread
+0.304%
vs. market APOR
Avg Net Fees
$3,946
Origination − Credits
Pullthrough Rate
77.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$405,797
Avg Borrower Income
$179,674
Avg Property Value
$564,493

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4Full-year 2024 · HMDA
4 states with loan originations
Loans originated
< 1010–5050+None
Northeast3
NJNYPA
South1
FL

Top Metro Areas by Place Specialization Score

1© Paul Leiby · CC BY 3.0
Allentown, PA-NJMetro
Volume 37Mix 26.81% of portfolio
67/100
Strong
2© Gamezilla2019 · CC BY 4.0
Newark, NJMetro
Volume 22Mix 15.94% of portfolio
56/100
Sound
3© Mr. Matté · CC BY-SA 4.0
Lakewood, NJMetro
Volume 20Mix 14.49% of portfolio
54/100
Sound
4© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 19Mix 13.77% of portfolio
51/100
Sound

Top States by Place Specialization Score

New Jersey
New Jersey
1
New JerseyState
Volume 73Mix 52.90% of portfolio
67/100
Strong
Pennsylvania
Pennsylvania
2
PennsylvaniaState
Volume 48Mix 34.78% of portfolio
60/100
Sound
New York
New York
3
New YorkState
Volume 12Mix 8.70% of portfolio
44/100
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.