# INSTAMORTGAGE INC.

> **Canonical URL:** https://saferate.com/lenders/instamortgage


> **📋 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


INSTAMORTGAGE INC. is a independent mortgage company, headquartered in SAN JOSE, CA, serving borrowers across 20 states, with 133 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300ELLMUEKP1JHB70
- **Headquarters:** SAN JOSE, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AZ, CA, CO, CT, DE, FL, GA, IL, LA, MD, MI, NC, NJ, NV, OK, PA, TN, TX, VA, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 133
- **Dollar Volume:** $54 million
- **Applications Received:** 142
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $405,526
- **Average Borrower Income:** $163,647
- **Average Property Value:** $627,331

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 87 | +0.906% | $3,738 | Acceptable 🙂 |
| FHA | 57/100 | 40 | +0.599% | $5,510 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 70 loans, Score: 27/100 (Acceptable)

**FHA:**
- Purchase: 35 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 33/100 | 109 | $43M | +0.752% | Acceptable 🙂 |
| Refinance | 28/100 | 24 | $11M | - | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 33 | 0.01% | 51/100 |
| NV | 22 | 0.05% | 54/100 |
| TX | 20 | 0.01% | 45/100 |
| DE | 13 | 0.09% | 48/100 |
| WA | 10 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Las Vegas | NV | 22 | 55/100 |
| Dallas | TX | 11 | 43/100 |
| Dover, DE | DE | 10 | 47/100 |

## Frequently Asked Questions

### What loan types does INSTAMORTGAGE INC. offer?

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

### Where does INSTAMORTGAGE INC. offer mortgages?

INSTAMORTGAGE INC. offers mortgages in 20 states: AZ, CA, CO, CT, DE, FL, GA, IL, LA, MD, MI, NC, NJ, NV, OK, PA, TN, TX, VA, WA.

### What type of lender is INSTAMORTGAGE INC.?

INSTAMORTGAGE INC. is a non-depository lender that specializes in mortgage origination, headquartered in SAN JOSE, CA.

### What is INSTAMORTGAGE INC.'s loan approval success rate?

INSTAMORTGAGE INC. has a pull-through score of 43/100 (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/instamortgage

### How to Cite

> "INSTAMORTGAGE INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/instamortgage

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