# Homeland Mortgage Company

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


Homeland Mortgage Company is a independent mortgage company, headquartered in Westmont, IL, serving borrowers across 4 states, with 301 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900UR7PKXXBLHG019
- **Headquarters:** Westmont, IL
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, GA, IL, TX
- **Markets (MSAs):** 3
- **Homebuilder Lender:** Yes
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.125%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-701
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 301
- **Dollar Volume:** $116 million
- **Applications Received:** 301
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $385,930
- **Average Borrower Income:** $185,349
- **Average Property Value:** $539,751

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 300 | +0.126% | $-707 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 215 loans, Score: 48/100 (Sound)
- Refinance: 85 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 216 | $84M | +0.163% | Sound ☺️ |
| Refinance | 55/100 | 85 | $32M | +0.031% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 286 | 0.23% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 223 | 77/100 |
| Lake County, IL | IL | 44 | 72/100 |
| Elgin, IL | IL | 16 | 51/100 |

## Frequently Asked Questions

### What loan types does Homeland Mortgage Company offer?

Homeland Mortgage Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Homeland Mortgage Company offer mortgages?

Homeland Mortgage Company offers mortgages in 4 states: FL, GA, IL, TX.

### How competitive are Homeland Mortgage Company's mortgage rates?

Homeland Mortgage Company has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.125% above market average.

### What type of lender is Homeland Mortgage Company?

Homeland Mortgage Company is a non-depository lender that specializes in mortgage origination, headquartered in Westmont, IL.

### What is Homeland Mortgage Company's loan approval success rate?

Homeland Mortgage Company has a pull-through score of 56/100 (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/homeland-mortgage

### How to Cite

> "Homeland Mortgage Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/homeland-mortgage

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