# HOMEAMERICAN MORTGAGE CORPORATION

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


HOMEAMERICAN MORTGAGE CORPORATION is a independent mortgage company, headquartered in Centennial, CO, serving borrowers across 16 states, with 7,316 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 1% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493001HHBUTXHS7TZ96
- **Headquarters:** Centennial, CO
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** AL, AZ, CA, CO, FL, ID, MD, NM, NV, OR, PA, TN, TX, UT, VA, WA
- **Markets (MSAs):** 43
- **Homebuilder Lender:** Yes
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 99/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.654%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $65
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 7,316
- **Dollar Volume:** $3.4 billion
- **Applications Received:** 9,383
- **Market Share:** 21.00%

## Typical Borrower Profile

- **Average Loan Amount:** $465,730
- **Average Borrower Income:** $155,183
- **Average Property Value:** $560,888

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- 💎 **FHA Diamond Champion** (90%)
- 💎 **VA Diamond Champion** (90%)
- 💎 **Purchase Diamond Champion** (84%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 3,817 | -0.333% | $130 | Exceptional 🤩 |
| FHA | 86/100 | 2,322 | -0.912% | $-6 | Exceptional 🤩 |
| VA | 86/100 | 1,162 | -1.293% | $144 | Exceptional 🤩 |
| Jumbo | 41/100 | 11 | +0.061% | $-2,145 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,817 loans, Score: 82/100 (Exceptional)

**FHA:**
- Purchase: 2,322 loans, Score: 87/100 (Exceptional)

**VA:**
- Purchase: 1,162 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 7,316 | $3.4B | -0.654% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 1,446 | 0.51% | 79/100 |
| CO | 1,272 | 1.52% | 86/100 |
| AZ | 1,265 | 1.27% | 85/100 |
| FL | 1,061 | 0.36% | 76/100 |
| NV | 758 | 1.88% | 89/100 |
| UT | 361 | 0.80% | 74/100 |
| WA | 345 | 0.41% | 74/100 |
| VA | 276 | 0.26% | 70/100 |
| ID | 115 | 0.43% | 62/100 |
| TN | 115 | 0.13% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 994 | 84/100 |
| Denver | CO | 802 | 85/100 |
| Las Vegas | NV | 730 | 91/100 |
| Riverside | CA | 583 | 81/100 |
| Jacksonville, FL | FL | 537 | 87/100 |
| Sacramento | CA | 353 | 77/100 |
| Tucson, AZ | AZ | 271 | 80/100 |
| Lakeland | FL | 267 | 83/100 |
| Stockton | CA | 248 | 85/100 |
| Orlando | FL | 212 | 71/100 |
| Colorado Springs, CO | CO | 162 | 72/100 |
| Non |  | 161 | 50/100 |
| Salt Lake City | UT | 156 | 71/100 |
| Provo | UT | 142 | 72/100 |
| Greeley, CO | CO | 131 | 78/100 |

## Frequently Asked Questions

### What loan types does HOMEAMERICAN MORTGAGE CORPORATION offer?

HOMEAMERICAN MORTGAGE 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 HOMEAMERICAN MORTGAGE CORPORATION offer mortgages?

HOMEAMERICAN MORTGAGE CORPORATION offers mortgages in 16 states: AL, AZ, CA, CO, FL, ID, MD, NM, NV, OR, PA, TN, TX, UT, VA, WA.

### How competitive are HOMEAMERICAN MORTGAGE CORPORATION's mortgage rates?

HOMEAMERICAN MORTGAGE CORPORATION has a pricing score of 99/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.654% below market average.

### What type of lender is HOMEAMERICAN MORTGAGE CORPORATION?

HOMEAMERICAN MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in Centennial, CO.

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

HOMEAMERICAN MORTGAGE CORPORATION has a pull-through score of 82/100 (Exceptional). 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/homeamerican-mortgage

### How to Cite

> "HOMEAMERICAN MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/homeamerican-mortgage

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