# BLUEBIRD HOME LOANS, LLC

> **Canonical URL:** https://saferate.com/lenders/bluebird-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


BLUEBIRD HOME LOANS, LLC is a independent mortgage company, headquartered in Boise, ID, serving borrowers across 3 states, with 117 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 93% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493000FSLMV0FBEQY36
- **Headquarters:** Boise, ID
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** CO, ID, OR
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 7/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.481%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,666
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 117
- **Dollar Volume:** $52 million
- **Applications Received:** 155
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $440,385
- **Average Borrower Income:** $177,462
- **Average Property Value:** $670,641

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 88 | +0.469% | $5,784 | Acceptable 🙂 |
| FHA | 52/100 | 13 | +0.934% | $8,596 | Sound ☺️ |
| VA | 56/100 | 10 | +0.040% | $6,277 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 78 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 105 | $44M | +0.461% | Sound ☺️ |
| Refinance | 26/100 | 12 | $7M | +0.595% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ID | 111 | 0.42% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Boise City, ID | ID | 95 | 74/100 |
| Non |  | 14 | 30/100 |

## Where This Lender Ranks

BLUEBIRD HOME LOANS, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Boise City, ID for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#15** in Idaho for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#16** in Boise City, ID for Jumbo Loans
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does BLUEBIRD HOME LOANS, LLC offer?

BLUEBIRD HOME LOANS, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does BLUEBIRD HOME LOANS, LLC offer mortgages?

BLUEBIRD HOME LOANS, LLC offers mortgages in 3 states: CO, ID, OR.

### How competitive are BLUEBIRD HOME LOANS, LLC's mortgage rates?

BLUEBIRD HOME LOANS, LLC has a pricing score of 7/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.481% above market average.

### What type of lender is BLUEBIRD HOME LOANS, LLC?

BLUEBIRD HOME LOANS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Boise, ID.

### What is BLUEBIRD HOME LOANS, LLC's loan approval success rate?

BLUEBIRD HOME LOANS, LLC has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bluebird-home-loans

### How to Cite

> "BLUEBIRD HOME LOANS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bluebird-home-loans

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