# LOANPEOPLE, LLC

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


> **📋 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


LOANPEOPLE, LLC is a independent mortgage company, headquartered in Austin, TX, serving borrowers across 8 states, with 1,635 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 875500CPQ9Z7QEFE5G90
- **Headquarters:** Austin, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AL, AR, CO, FL, NM, OK, TN, TX
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.228%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,452
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,635
- **Dollar Volume:** $607 million
- **Applications Received:** 2,308
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $371,269
- **Average Borrower Income:** $177,849
- **Average Property Value:** $484,223

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 1,113 | +0.163% | $3,454 | Strong 😀 |
| FHA | 77/100 | 314 | +0.646% | $3,363 | Strong 😀 |
| VA | 76/100 | 180 | -0.194% | $3,834 | Strong 😀 |
| Jumbo | 69/100 | 26 | +0.555% | $2,308 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 978 loans, Score: 74/100 (Strong)
- Refinance: 135 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 308 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 168 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 23 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 1,479 | $550M | +0.230% | Strong 😀 |
| Refinance | 64/100 | 156 | $57M | +0.209% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,443 | 0.41% | 86/100 |
| FL | 158 | 0.05% | 60/100 |
| NM | 20 | 0.10% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Austin | TX | 699 | 96/100 |
| El Paso, TX | TX | 313 | 90/100 |
| San Antonio | TX | 159 | 70/100 |
| Jacksonville, FL | FL | 145 | 73/100 |
| Non |  | 96 | 48/100 |
| Houston | TX | 94 | 62/100 |
| Dallas | TX | 28 | 48/100 |
| Fort Worth | TX | 19 | 46/100 |
| Las Cruces, NM | NM | 17 | 49/100 |
| Corpus Christi, TX | TX | 13 | 44/100 |
| Deltona | FL | 11 | 41/100 |

## Where This Lender Ranks

LOANPEOPLE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in El Paso, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in El Paso, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in El Paso, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in El Paso, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Las Cruces, NM for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Austin for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#17** in El Paso, TX
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders)
- 🏆 **#17** in Las Cruces, NM for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Las Cruces, NM for FHA Loans
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does LOANPEOPLE, LLC offer?

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

### Where does LOANPEOPLE, LLC offer mortgages?

LOANPEOPLE, LLC offers mortgages in 8 states: AL, AR, CO, FL, NM, OK, TN, TX.

### How competitive are LOANPEOPLE, LLC's mortgage rates?

LOANPEOPLE, LLC has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.228% above market average.

### What type of lender is LOANPEOPLE, LLC?

LOANPEOPLE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Austin, TX.

### What is LOANPEOPLE, LLC's loan approval success rate?

LOANPEOPLE, LLC has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/loanpeople

### How to Cite

> "LOANPEOPLE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/loanpeople

---

**[View Interactive Profile →](https://saferate.com/lenders/loanpeople)**