# LOANLEADERS OF AMERICA, INC.

> **Canonical URL:** https://saferate.com/lenders/loanleaders-of-america


> **📋 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


LOANLEADERS OF AMERICA, INC. is a independent mortgage company, headquartered in IRVINE, CA, serving borrowers across 12 states, with 107 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% 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):** 549300I43FC7P0IJMR13
- **Headquarters:** IRVINE, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** CA, CO, FL, GA, MD, NC, NJ, PA, SC, TX, VA, WA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

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

### Pricing Details
- **Average Rate Spread:** +0.146%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,326
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 107
- **Dollar Volume:** $39 million
- **Applications Received:** 149
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $368,458
- **Average Borrower Income:** $130,150
- **Average Property Value:** $550,701

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 17/100 | 37 | +0.221% | $4,007 | Mediocre 😐 |
| FHA | 58/100 | 59 | +0.348% | $4,801 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Refinance: 24 loans, Score: 33/100 (Acceptable)

**FHA:**
- Refinance: 49 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 23/100 | 28 | $13M | +0.304% | Acceptable 🙂 |
| Refinance | 44/100 | 79 | $27M | -0.108% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 22 | 0.01% | 48/100 |
| GA | 15 | 0.01% | 47/100 |
| FL | 13 | 0.00% | 42/100 |
| VA | 11 | 0.01% | 44/100 |
| NJ | 10 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 10 | 44/100 |

## Frequently Asked Questions

### What loan types does LOANLEADERS OF AMERICA, INC. offer?

LOANLEADERS OF AMERICA, 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 LOANLEADERS OF AMERICA, INC. offer mortgages?

LOANLEADERS OF AMERICA, INC. offers mortgages in 12 states: CA, CO, FL, GA, MD, NC, NJ, PA, SC, TX, VA, WA.

### How competitive are LOANLEADERS OF AMERICA, INC.'s mortgage rates?

LOANLEADERS OF AMERICA, INC. has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.146% above market average.

### What type of lender is LOANLEADERS OF AMERICA, INC.?

LOANLEADERS OF AMERICA, INC. is a non-depository lender that specializes in mortgage origination, headquartered in IRVINE, CA.

### What is LOANLEADERS OF AMERICA, INC.'s loan approval success rate?

LOANLEADERS OF AMERICA, INC. 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/loanleaders-of-america

### How to Cite

> "LOANLEADERS OF AMERICA, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/loanleaders-of-america

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