# GRACE HOME LENDING, LLC

> **Canonical URL:** https://saferate.com/lenders/grace-home-lending


> **📋 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


GRACE HOME LENDING, LLC is a independent mortgage company, headquartered in San Antonio, TX, with 603 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 54% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493008615GHD3IQ8V72
- **Headquarters:** San Antonio, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 86.6%
- **Brokered/Wholesale:** 13.4%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.207%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,258
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 603
- **Dollar Volume:** $231 million
- **Applications Received:** 823
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $383,740
- **Average Borrower Income:** $178,590
- **Average Property Value:** $488,665

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 459 | -0.255% | $4,213 | Sound ☺️ |
| FHA | 64/100 | 99 | +0.213% | $5,627 | Strong 😀 |
| VA | 65/100 | 43 | -0.778% | $725 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 459 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 99 loans, Score: 63/100 (Strong)

**VA:**
- Purchase: 43 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 603 | $231M | -0.207% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 603 | 0.17% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 602 | 88/100 |

## Where This Lender Ranks

GRACE HOME LENDING, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Houston Mortgage Companies
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Houston for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in Houston for VA Loans
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/va-loans)
- 🏆 **#13** in Houston
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does GRACE HOME LENDING, LLC offer?

GRACE HOME LENDING, 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 GRACE HOME LENDING, LLC offer mortgages?

GRACE HOME LENDING, LLC offers mortgages in 1 states: TX.

### How competitive are GRACE HOME LENDING, LLC's mortgage rates?

GRACE HOME LENDING, LLC has a pricing score of 46/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.207% below market average.

### What type of lender is GRACE HOME LENDING, LLC?

GRACE HOME LENDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in San Antonio, TX.

### What is GRACE HOME LENDING, LLC's loan approval success rate?

GRACE HOME LENDING, LLC has a pull-through score of 60/100 (Strong). 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/grace-home-lending

### How to Cite

> "GRACE HOME LENDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/grace-home-lending

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