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Security Home Mortgage

Independent Mortgage Company•Orem, UTHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Security Home Mortgage — 443 loans across 514 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
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,428)

Explore another lender or local market

Report Card

Security Home Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+26.9 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
276 loans · 0.30% above market
Sound
Top 60% of lenders
3/5
FHA
147 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
VA
12 loans · 0.39% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
370 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
Refinance
73 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume276
Mix62.3%
Spread
+0.301%Above
Fees
$4,258Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume147
Mix33.2%
Spread
+0.256%Above
Fees
$4,798Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume12
Mix2.7%
Spread
-0.390%Below
Fees
$6,097Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume370
Mix83.5%
Spread
+0.268%Above
Fees
$4,501Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Exceptional
Volume73
Mix16.5%
Spread
+0.271%Above
Fees
$4,132Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
443
Applications
514
Volume
$194 million
Pricing & Closing
Avg Rate Spread
+0.269%
vs. market APOR
Avg Net Fees
$4,428
Origination − Credits
Pullthrough Rate
86.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$438,725
Avg Borrower Income
$156,910
Avg Property Value
$569,131

Geographic Coverage

Geographic Performance

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

States with Loan Originations

3Full-year 2024 · HMDA
3 states with loan originations
Loans originated
All statesNone
West3
AZIDUT

Top Metro Areas by Place Specialization Score

1© Benjam63 · CC BY-SA 4.0
Provo, UTMetro
Volume 218Mix 49.21% of portfolio
86/100
Exceptional
2© Garrett from Salt Lake City · CC BY 2.0
Salt Lake City, UTMetro
Volume 117Mix 26.41% of portfolio
75/100
Strong
3© Ntsimp · Public domain
Ogden, UTMetro
Volume 32Mix 7.22% of portfolio
60/100
Sound
4© Jrozwado · CC BY-SA 4.0
St. George, UTMetro
Volume 11Mix 2.48% of portfolio
46/100
Sound

Top States by Place Specialization Score

Utah
Utah
1
UtahState
Volume 434Mix 97.97% of portfolio
84/100
Exceptional

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.