# PLANET HOME LENDING, LLC

> **Canonical URL:** https://saferate.com/lenders/planet-home-lending


> **📋 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


PLANET HOME LENDING, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers nationwide, with 4,746 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 60% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930021WPEXNHYZUL09
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 60.1%
- **Brokered/Wholesale:** 39.9%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.284%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,910
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,746
- **Dollar Volume:** $1.6 billion
- **Applications Received:** 6,485
- **Market Share:** 13.00%

## Typical Borrower Profile

- **Average Loan Amount:** $328,021
- **Average Borrower Income:** $125,290
- **Average Property Value:** $411,233

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 2,036 | +0.296% | $2,931 | Strong 😀 |
| FHA | 86/100 | 1,622 | +0.482% | $2,874 | Exceptional 🤩 |
| VA | 84/100 | 937 | -0.202% | $3,017 | Exceptional 🤩 |
| Jumbo | 46/100 | 21 | +0.669% | $872 | Sound ☺️ |
| USDA | 89/100 | 130 | +0.276% | $2,344 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,590 loans, Score: 75/100 (Strong)
- Refinance: 446 loans, Score: 65/100 (Strong)

**FHA:**
- Purchase: 1,146 loans, Score: 85/100 (Exceptional)
- Refinance: 476 loans, Score: 84/100 (Exceptional)

**VA:**
- Purchase: 642 loans, Score: 82/100 (Exceptional)
- Refinance: 295 loans, Score: 85/100 (Exceptional)

**USDA:**
- Purchase: 129 loans, Score: 88/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 3,524 | $1.2B | +0.358% | Exceptional 🤩 |
| Refinance | 77/100 | 1,222 | $386M | +0.102% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 549 | 0.16% | 71/100 |
| FL | 509 | 0.17% | 70/100 |
| CA | 361 | 0.13% | 66/100 |
| LA | 279 | 0.80% | 73/100 |
| WI | 260 | 0.39% | 71/100 |
| CO | 238 | 0.29% | 68/100 |
| PA | 233 | 0.19% | 68/100 |
| KS | 178 | 0.59% | 74/100 |
| MS | 178 | 0.71% | 70/100 |
| AL | 145 | 0.24% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 731 | 73/100 |
| Dallas | TX | 213 | 70/100 |
| Denver | CO | 148 | 66/100 |
| Wichita, KS | KS | 130 | 75/100 |
| Shreveport | LA | 129 | 89/100 |
| Riverside | CA | 128 | 64/100 |
| Milwaukee | WI | 118 | 68/100 |
| Fort Worth | TX | 93 | 65/100 |
| Jacksonville, FL | FL | 86 | 64/100 |
| Huntsville, AL | AL | 72 | 67/100 |
| Houston | TX | 62 | 54/100 |
| Jackson, MS | MS | 62 | 64/100 |
| Allentown | PA-NJ | 60 | 65/100 |
| Phoenix | AZ | 60 | 54/100 |
| Coeur d'Alene, ID | ID | 59 | 69/100 |

## Where This Lender Ranks

PLANET HOME LENDING, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Fort Worth for USDA Loans
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Fort Worth for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Monroe, LA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Jackson, MS for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Coeur d'Alene, ID for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Shreveport for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Shreveport for USDA Loans
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Shreveport for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Jackson, MS for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Monroe, LA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Monroe, LA for USDA Loans
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Wisconsin for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Shreveport Mortgage Companies
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Jackson, MS for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Coeur d'Alene, ID for FHA Loans
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Coeur d'Alene, ID for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Twin Falls, ID for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/twin-falls-id/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Kansas for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#6** in Shreveport for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Huntsville, AL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/mortgage-companies/usda-loans)

## Frequently Asked Questions

### What loan types does PLANET HOME LENDING, LLC offer?

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

### Where does PLANET HOME LENDING, LLC offer mortgages?

PLANET HOME LENDING, LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are PLANET HOME LENDING, LLC's mortgage rates?

PLANET HOME LENDING, LLC has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.284% above market average.

### What type of lender is PLANET HOME LENDING, LLC?

PLANET HOME LENDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is PLANET HOME LENDING, LLC's loan approval success rate?

PLANET HOME LENDING, LLC has a pull-through score of 83/100 (Exceptional). 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/planet-home-lending

### How to Cite

> "PLANET HOME LENDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/planet-home-lending

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