# HOME MORTGAGE ALLIANCE CORPORATION

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


> **📋 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


HOME MORTGAGE ALLIANCE CORPORATION is a independent mortgage company, headquartered in Santa Ana, CA, serving borrowers nationwide, with 965 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900LTD432L5CHIZ48
- **Headquarters:** Santa Ana, CA
- **Geographic Reach:** National
- **States Served:** 40
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV
- **Markets (MSAs):** 26
- **Primary Channel:** mix
- **Direct Origination:** 39.9%
- **Brokered/Wholesale:** 60.1%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.759%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,475
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 965
- **Dollar Volume:** $458 million
- **Applications Received:** 1,823
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $474,440
- **Average Borrower Income:** $203,623
- **Average Property Value:** $610,150

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 504 | +0.833% | $5,255 | Strong 😀 |
| FHA | 76/100 | 351 | +0.803% | $4,050 | Strong 😀 |
| VA | 65/100 | 57 | -0.106% | $4,054 | Strong 😀 |
| Jumbo | 71/100 | 53 | +1.185% | $1,597 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 365 loans, Score: 60/100 (Strong)
- Refinance: 139 loans, Score: 56/100 (Sound)

**FHA:**
- Purchase: 311 loans, Score: 75/100 (Strong)
- Refinance: 40 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 49 loans, Score: 65/100 (Strong)

**Jumbo:**
- Purchase: 30 loans, Score: 69/100 (Strong)
- Refinance: 23 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 755 | $349M | +0.771% | Strong 😀 |
| Refinance | 58/100 | 210 | $109M | +0.702% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 400 | 0.14% | 72/100 |
| FL | 92 | 0.03% | 56/100 |
| TX | 71 | 0.02% | 53/100 |
| MN | 48 | 0.07% | 55/100 |
| AZ | 43 | 0.04% | 53/100 |
| VA | 41 | 0.04% | 53/100 |
| GA | 39 | 0.03% | 51/100 |
| WA | 39 | 0.05% | 53/100 |
| HI | 15 | 0.17% | 47/100 |
| MD | 15 | 0.02% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 91 | 65/100 |
| Riverside | CA | 79 | 63/100 |
| Redding, CA | CA | 46 | 75/100 |
| Non |  | 44 | 38/100 |
| Minneapolis | MN-WI | 41 | 54/100 |
| Phoenix | AZ | 40 | 53/100 |
| Seattle | WA | 30 | 54/100 |
| Sacramento | CA | 27 | 51/100 |
| Dallas | TX | 24 | 47/100 |
| Atlanta | GA | 21 | 46/100 |
| Richmond, VA | VA | 21 | 50/100 |
| Anaheim | CA | 20 | 49/100 |
| Fort Lauderdale | FL | 18 | 47/100 |
| Houston | TX | 18 | 43/100 |
| San Diego | CA | 18 | 46/100 |

## Where This Lender Ranks

HOME MORTGAGE ALLIANCE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Redding, CA for VA Loans
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/va-loans)
- 🏆 **#13** in Redding, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#18** in Redding, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#18** in Redding, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Redding, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in Redding, CA
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders)
- 🏆 **#20** in Redding, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/redding-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does HOME MORTGAGE ALLIANCE CORPORATION offer?

HOME MORTGAGE ALLIANCE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HOME MORTGAGE ALLIANCE CORPORATION offer mortgages?

HOME MORTGAGE ALLIANCE CORPORATION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are HOME MORTGAGE ALLIANCE CORPORATION's mortgage rates?

HOME MORTGAGE ALLIANCE CORPORATION has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.759% above market average.

### What type of lender is HOME MORTGAGE ALLIANCE CORPORATION?

HOME MORTGAGE ALLIANCE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in Santa Ana, CA.

### What is HOME MORTGAGE ALLIANCE CORPORATION's loan approval success rate?

HOME MORTGAGE ALLIANCE CORPORATION has a pull-through score of 40/100 (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/home-mortgage-alliance

### How to Cite

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

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