# HOMEXPRESS MORTGAGE CORP.

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


HOMEXPRESS MORTGAGE CORP. is a independent mortgage company, headquartered in NEWARK, DE, serving borrowers across 39 states, with 1,774 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 95% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300R77W0P105C3S50
- **Headquarters:** NEWARK, DE
- **Geographic Reach:** Near-National
- **States Served:** 39
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, LA, MD, ME, MI, MN, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 43
- **Primary Channel:** wholesale
- **Direct Origination:** 0.3%
- **Brokered/Wholesale:** 99.7%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +1.281%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,091
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,774
- **Dollar Volume:** $1.1 billion
- **Applications Received:** 3,185
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $623,602
- **Average Borrower Income:** $381,240
- **Average Property Value:** $901,933

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 1,362 | +1.361% | $5,720 | Strong 😀 |
| FHA | 54/100 | 32 | +0.601% | $1,876 | Sound ☺️ |
| Jumbo | 84/100 | 372 | +1.305% | $3,680 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 845 loans, Score: 57/100 (Sound)
- Refinance: 517 loans, Score: 68/100 (Strong)

**FHA:**
- Purchase: 27 loans, Score: 39/100 (Acceptable)

**Jumbo:**
- Purchase: 231 loans, Score: 83/100 (Exceptional)
- Refinance: 141 loans, Score: 87/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 1,111 | $699M | +1.243% | Sound ☺️ |
| Refinance | 72/100 | 663 | $408M | +1.358% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 449 | 0.16% | 71/100 |
| FL | 303 | 0.10% | 67/100 |
| TX | 237 | 0.07% | 65/100 |
| AZ | 66 | 0.07% | 56/100 |
| NV | 64 | 0.16% | 61/100 |
| NJ | 50 | 0.06% | 55/100 |
| GA | 48 | 0.03% | 51/100 |
| CO | 46 | 0.06% | 52/100 |
| WA | 41 | 0.05% | 52/100 |
| OR | 37 | 0.09% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 120 | 67/100 |
| Non |  | 117 | 51/100 |
| Riverside | CA | 70 | 59/100 |
| Houston | TX | 69 | 58/100 |
| Anaheim | CA | 56 | 61/100 |
| Dallas | TX | 47 | 54/100 |
| Las Vegas | NV | 45 | 57/100 |
| Miami | FL | 44 | 56/100 |
| Fort Lauderdale | FL | 43 | 56/100 |
| Phoenix | AZ | 38 | 51/100 |
| Orlando | FL | 35 | 52/100 |
| Sacramento | CA | 33 | 52/100 |
| Atlanta | GA | 30 | 49/100 |
| West Palm Beach | FL | 30 | 54/100 |
| Portland | OR-WA | 28 | 50/100 |

## Where This Lender Ranks

HOMEXPRESS MORTGAGE CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Hawaii for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#9** in Santa Rosa for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#14** in Bridgeport for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#14** in Oxnard for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#18** in Hawaii for Jumbo Loans
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/jumbo-loans)
- 🏆 **#18** in Santa Rosa for Jumbo Loans
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does HOMEXPRESS MORTGAGE CORP. offer?

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

### Where does HOMEXPRESS MORTGAGE CORP. offer mortgages?

HOMEXPRESS MORTGAGE CORP. offers mortgages in 39 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, LA, MD, ME, MI, MN, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI.

### How competitive are HOMEXPRESS MORTGAGE CORP.'s mortgage rates?

HOMEXPRESS MORTGAGE CORP. has a pricing score of 5/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.281% above market average.

### What type of lender is HOMEXPRESS MORTGAGE CORP.?

HOMEXPRESS MORTGAGE CORP. is a non-depository lender that specializes in mortgage origination, headquartered in NEWARK, DE.

### What is HOMEXPRESS MORTGAGE CORP.'s loan approval success rate?

HOMEXPRESS MORTGAGE CORP. has a pull-through score of 45/100 (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/homexpress-mortgage

### How to Cite

> "HOMEXPRESS MORTGAGE CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/homexpress-mortgage

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