# HABITFACTORY USA, INC

> **Canonical URL:** https://saferate.com/lenders/habitfactory-usa


> **📋 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


HABITFACTORY USA, INC is a independent mortgage company, headquartered in Los Angeles, CA, serving borrowers across 2 states, with 58 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 91% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900YVV9JOGMYFZO90
- **Headquarters:** Los Angeles, CA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CA, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 96%
- **Brokered/Wholesale:** 4%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 9/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.646%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,477
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 58
- **Dollar Volume:** $39 million
- **Applications Received:** 75
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $666,207
- **Average Borrower Income:** $412,310
- **Average Property Value:** $1,085,862

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 51 | +0.646% | $5,477 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 41 loans, Score: 24/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 26/100 | 44 | $28M | +0.590% | Acceptable 🙂 |
| Refinance | 24/100 | 14 | $11M | +0.927% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 57 | 0.02% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 36 | 63/100 |
| Anaheim | CA | 14 | 53/100 |

## Frequently Asked Questions

### What loan types does HABITFACTORY USA, INC offer?

HABITFACTORY USA, INC offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HABITFACTORY USA, INC offer mortgages?

HABITFACTORY USA, INC offers mortgages in 2 states: CA, TX.

### How competitive are HABITFACTORY USA, INC's mortgage rates?

HABITFACTORY USA, INC has a pricing score of 9/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.646% above market average.

### What type of lender is HABITFACTORY USA, INC?

HABITFACTORY USA, INC is a non-depository lender that specializes in mortgage origination, headquartered in Los Angeles, CA.

### What is HABITFACTORY USA, INC's loan approval success rate?

HABITFACTORY USA, INC has a pull-through score of 45/100 (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/habitfactory-usa

### How to Cite

> "HABITFACTORY USA, INC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/habitfactory-usa

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