# Hometown Equity Mortgage, LLC

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


Hometown Equity Mortgage, LLC is a independent mortgage company, headquartered in CLAYTON, MO, serving borrowers nationwide, with 1,679 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 72% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300RA3E0BUFO7YZ21
- **Headquarters:** CLAYTON, MO
- **Geographic Reach:** National
- **States Served:** 43
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV
- **Markets (MSAs):** 35
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.608%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,478
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,679
- **Dollar Volume:** $800 million
- **Applications Received:** 3,715
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $476,477
- **Average Borrower Income:** $328,904
- **Average Property Value:** $749,348

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 1,002 | +0.945% | $5,415 | Strong 😀 |
| FHA | 75/100 | 474 | +0.447% | $2,307 | Strong 😀 |
| VA | 67/100 | 59 | +0.051% | $4,183 | Strong 😀 |
| Jumbo | 76/100 | 122 | +1.008% | $5,540 | Strong 😀 |
| USDA | 75/100 | 22 | +0.540% | $2,038 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 530 loans, Score: 52/100 (Sound)
- Refinance: 472 loans, Score: 69/100 (Strong)

**FHA:**
- Purchase: 409 loans, Score: 75/100 (Strong)
- Refinance: 65 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 44 loans, Score: 66/100 (Strong)

**Jumbo:**
- Purchase: 68 loans, Score: 75/100 (Strong)
- Refinance: 54 loans, Score: 83/100 (Exceptional)

**USDA:**
- Purchase: 22 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 1,073 | $548M | +0.605% | Strong 😀 |
| Refinance | 68/100 | 606 | $252M | +0.622% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 749 | 0.26% | 77/100 |
| FL | 319 | 0.11% | 68/100 |
| TX | 99 | 0.03% | 55/100 |
| GA | 74 | 0.05% | 57/100 |
| UT | 58 | 0.13% | 57/100 |
| AZ | 40 | 0.04% | 51/100 |
| OH | 34 | 0.03% | 48/100 |
| TN | 29 | 0.03% | 47/100 |
| NJ | 28 | 0.03% | 48/100 |
| CO | 27 | 0.03% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 222 | 74/100 |
| Los Angeles | CA | 211 | 74/100 |
| San Diego | CA | 81 | 64/100 |
| Non |  | 70 | 43/100 |
| Anaheim | CA | 59 | 62/100 |
| Atlanta | GA | 54 | 56/100 |
| Fort Lauderdale | FL | 49 | 58/100 |
| Miami | FL | 49 | 58/100 |
| Tampa, FL | FL | 40 | 55/100 |
| Bakersfield | CA | 34 | 57/100 |
| Orlando | FL | 34 | 52/100 |
| Houston | TX | 33 | 49/100 |
| Phoenix | AZ | 30 | 48/100 |
| Oxnard | CA | 23 | 53/100 |
| Sacramento | CA | 23 | 48/100 |

## Where This Lender Ranks

Hometown Equity Mortgage, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#18** in Anaheim for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Riverside for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#20** in Anaheim for FHA Loans
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in Miami for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/mortgage-companies/jumbo-loans)

## Frequently Asked Questions

### What loan types does Hometown Equity Mortgage, LLC offer?

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

### Where does Hometown Equity Mortgage, LLC offer mortgages?

Hometown Equity Mortgage, LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Hometown Equity Mortgage, LLC's mortgage rates?

Hometown Equity Mortgage, LLC has a pricing score of 28/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.608% above market average.

### What type of lender is Hometown Equity Mortgage, LLC?

Hometown Equity Mortgage, LLC is a non-depository lender that specializes in mortgage origination, headquartered in CLAYTON, MO.

### What is Hometown Equity Mortgage, LLC's loan approval success rate?

Hometown Equity Mortgage, LLC has a pull-through score of 47/100 (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/hometown-equity-mortgage

### How to Cite

> "Hometown Equity Mortgage, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hometown-equity-mortgage

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