# FIRST ALLIANCE HOME MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/first-alliance-home-mortgage


> **📋 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


FIRST ALLIANCE HOME MORTGAGE, LLC is a independent mortgage company, headquartered in Cranford, NJ, serving borrowers across 22 states, with 869 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300H12E7AUMUHP294
- **Headquarters:** Cranford, NJ
- **Geographic Reach:** Multi-Region
- **States Served:** 22
- **State List:** AZ, CA, CT, DC, DE, FL, GA, ID, IL, IN, KY, MD, MS, MT, NC, NJ, NY, OH, PA, SC, TN, VA
- **Markets (MSAs):** 22
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.354%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,573
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 869
- **Dollar Volume:** $291 million
- **Applications Received:** 1,386
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $335,046
- **Average Borrower Income:** $123,513
- **Average Property Value:** $420,374

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 501 | +0.368% | $3,458 | Sound ☺️ |
| FHA | 74/100 | 342 | +0.669% | $4,697 | Strong 😀 |
| VA | 42/100 | 24 | -0.463% | $3,499 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 446 loans, Score: 60/100 (Sound)
- Refinance: 55 loans, Score: 47/100 (Sound)

**FHA:**
- Purchase: 160 loans, Score: 71/100 (Strong)
- Refinance: 182 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 623 | $220M | +0.411% | Strong 😀 |
| Refinance | 60/100 | 246 | $71M | -0.051% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 246 | 0.29% | 76/100 |
| PA | 235 | 0.19% | 73/100 |
| FL | 86 | 0.03% | 55/100 |
| MD | 76 | 0.11% | 61/100 |
| NY | 40 | 0.04% | 52/100 |
| NC | 34 | 0.02% | 48/100 |
| VA | 25 | 0.02% | 47/100 |
| TN | 24 | 0.03% | 46/100 |
| CT | 23 | 0.07% | 48/100 |
| GA | 14 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Harrisburg | PA | 84 | 77/100 |
| Lakewood | NJ | 79 | 68/100 |
| Newark, NJ | NJ | 68 | 67/100 |
| York | PA | 66 | 68/100 |
| New York | NY-NJ | 55 | 59/100 |
| Non |  | 36 | 35/100 |
| Baltimore | MD | 29 | 52/100 |
| Atlantic City | NJ | 26 | 57/100 |
| Frederick | MD | 26 | 55/100 |
| Camden, NJ | NJ | 19 | 49/100 |
| Miami | FL | 19 | 48/100 |
| Montgomery County | PA | 19 | 49/100 |
| Fort Lauderdale | FL | 17 | 47/100 |
| Hartford | CT | 15 | 46/100 |
| Washington, DC | DC-MD | 15 | 46/100 |

## Where This Lender Ranks

FIRST ALLIANCE HOME MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Lebanon, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Lebanon, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Lebanon, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does FIRST ALLIANCE HOME MORTGAGE, LLC offer?

FIRST ALLIANCE HOME MORTGAGE, 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 FIRST ALLIANCE HOME MORTGAGE, LLC offer mortgages?

FIRST ALLIANCE HOME MORTGAGE, LLC offers mortgages in 22 states: AZ, CA, CT, DC, DE, FL, GA, ID, IL, IN, KY, MD, MS, MT, NC, NJ, NY, OH, PA, SC, TN, VA.

### How competitive are FIRST ALLIANCE HOME MORTGAGE, LLC's mortgage rates?

FIRST ALLIANCE HOME MORTGAGE, LLC has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.354% above market average.

### What type of lender is FIRST ALLIANCE HOME MORTGAGE, LLC?

FIRST ALLIANCE HOME MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Cranford, NJ.

### What is FIRST ALLIANCE HOME MORTGAGE, LLC's loan approval success rate?

FIRST ALLIANCE HOME MORTGAGE, LLC has a pull-through score of 49/100 (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/first-alliance-home-mortgage

### How to Cite

> "FIRST ALLIANCE HOME MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-alliance-home-mortgage

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