# IDEAL HOME LOANS LLC

> **Canonical URL:** https://saferate.com/lenders/ideal-home-loans


> **📋 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


IDEAL HOME LOANS LLC is a independent mortgage company, headquartered in Centennial, CO, serving borrowers across 3 states, with 35 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 74% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493004J0RTXMDKIYB74
- **Headquarters:** Centennial, CO
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AZ, CO, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.180%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,321
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 35
- **Dollar Volume:** $14 million
- **Applications Received:** 86
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $412,714
- **Average Borrower Income:** $161,114
- **Average Property Value:** $700,429

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 15/100 | 22 | +0.226% | $4,564 | Mediocre 😐 |
| FHA | 50/100 | 13 | +0.113% | $3,966 | Sound ☺️ |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 16/100 | 10 | $5M | +0.217% | Mediocre 😐 |
| Refinance | 34/100 | 25 | $10M | +0.163% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 29 | 0.03% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Denver | CO | 24 | 59/100 |

## Frequently Asked Questions

### What loan types does IDEAL HOME LOANS LLC offer?

IDEAL HOME LOANS LLC offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does IDEAL HOME LOANS LLC offer mortgages?

IDEAL HOME LOANS LLC offers mortgages in 3 states: AZ, CO, TX.

### How competitive are IDEAL HOME LOANS LLC's mortgage rates?

IDEAL HOME LOANS LLC has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.180% above market average.

### What type of lender is IDEAL HOME LOANS LLC?

IDEAL HOME LOANS LLC is a non-depository lender that specializes in mortgage origination, headquartered in Centennial, CO.

### What is IDEAL HOME LOANS LLC's loan approval success rate?

IDEAL HOME LOANS LLC has a pull-through score of 26/100 (Acceptable). 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/ideal-home-loans

### How to Cite

> "IDEAL HOME LOANS LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ideal-home-loans

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