# Hamilton Mortgage Corporation

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


Hamilton Mortgage Corporation is a independent mortgage company, headquartered in MONTGOMERY, AL, serving borrowers across 5 states, with 475 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900XPILOY1LB5CK32
- **Headquarters:** MONTGOMERY, AL
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AL, AR, LA, MS, TX
- **Markets (MSAs):** 10
- **Primary Channel:** mix
- **Direct Origination:** 48.4%
- **Brokered/Wholesale:** 51.6%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.344%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,804
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 475
- **Dollar Volume:** $92 million
- **Applications Received:** 597
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $194,600
- **Average Borrower Income:** $94,453
- **Average Property Value:** $264,916

## Safe Rate Awards 🏆

- ⭐ **USDA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 212 | +0.255% | $2,823 | Sound ☺️ |
| FHA | 70/100 | 187 | +0.470% | $2,984 | Strong 😀 |
| VA | 59/100 | 21 | +0.022% | $2,573 | Sound ☺️ |
| USDA | 83/100 | 55 | +0.247% | $1,875 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 175 loans, Score: 48/100 (Sound)
- Refinance: 37 loans, Score: 43/100 (Sound)

**FHA:**
- Purchase: 176 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 20 loans, Score: 60/100 (Sound)

**USDA:**
- Purchase: 55 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 426 | $80M | +0.354% | Sound ☺️ |
| Refinance | 44/100 | 49 | $13M | +0.301% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 357 | 0.60% | 86/100 |
| TX | 66 | 0.02% | 55/100 |
| MS | 42 | 0.17% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Birmingham, AL | AL | 152 | 85/100 |
| Non |  | 123 | 58/100 |
| Huntsville, AL | AL | 62 | 71/100 |
| Hattiesburg, MS | MS | 20 | 58/100 |
| Beaumont | TX | 13 | 48/100 |
| Montgomery, AL | AL | 13 | 47/100 |
| Decatur, AL | AL | 11 | 46/100 |
| Jackson, MS | MS | 11 | 44/100 |
| Mobile, AL | AL | 10 | 43/100 |
| San Antonio | TX | 10 | 40/100 |

## Where This Lender Ranks

Hamilton Mortgage Corporation appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Birmingham, AL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/birmingham-al/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#7** in Huntsville, AL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#8** in Birmingham, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/birmingham-al/best-mortgage-lenders/usda-loans)
- 🏆 **#10** in Hattiesburg, MS for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Huntsville, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/usda-loans)
- 🏆 **#11** in Hattiesburg, MS Mortgage Companies
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Hattiesburg, MS for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Alabama for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#16** in Decatur, AL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#17** in Alabama for USDA Loans
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/usda-loans)
- 🏆 **#18** in Hattiesburg, MS
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders)
- 🏆 **#20** in Birmingham, AL Mortgage Companies
  - [View Full Rankings](https://saferate.com/birmingham-al/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does Hamilton Mortgage Corporation offer?

Hamilton Mortgage Corporation offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Hamilton Mortgage Corporation offer mortgages?

Hamilton Mortgage Corporation offers mortgages in 5 states: AL, AR, LA, MS, TX.

### How competitive are Hamilton Mortgage Corporation's mortgage rates?

Hamilton Mortgage Corporation has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.344% above market average.

### What type of lender is Hamilton Mortgage Corporation?

Hamilton Mortgage Corporation is a non-depository lender that specializes in mortgage origination, headquartered in MONTGOMERY, AL.

### What is Hamilton Mortgage Corporation's loan approval success rate?

Hamilton Mortgage Corporation has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/hamilton-mortgage

### How to Cite

> "Hamilton Mortgage Corporation Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hamilton-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/hamilton-mortgage)**