# PLAZA HOME MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/plaza-home-mortgage


> **📋 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


PLAZA HOME MORTGAGE, INC. is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers nationwide, with 11,165 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 31% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300JYXTZDSPJEPI44
- **Headquarters:** Sacramento, CA
- **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:** wholesale
- **Direct Origination:** 0.1%
- **Brokered/Wholesale:** 99.9%

## Safe Rate Ratings

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

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.380%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,801
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 11,165
- **Dollar Volume:** $3.9 billion
- **Applications Received:** 18,307
- **Market Share:** 31.00%

## Typical Borrower Profile

- **Average Loan Amount:** $347,816
- **Average Borrower Income:** $136,100
- **Average Property Value:** $439,386

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 6,247 | +0.263% | $2,606 | Exceptional 🤩 |
| FHA | 90/100 | 3,501 | +0.790% | $3,236 | Exceptional 🤩 |
| VA | 87/100 | 1,059 | -0.234% | $2,820 | Exceptional 🤩 |
| Jumbo | 77/100 | 142 | +0.826% | $3,164 | Strong 😀 |
| USDA | 91/100 | 216 | +0.413% | $2,207 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 5,241 loans, Score: 84/100 (Exceptional)
- Refinance: 1,006 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 2,870 loans, Score: 90/100 (Exceptional)
- Refinance: 631 loans, Score: 85/100 (Exceptional)

**VA:**
- Purchase: 807 loans, Score: 86/100 (Exceptional)
- Refinance: 252 loans, Score: 85/100 (Exceptional)

**Jumbo:**
- Purchase: 109 loans, Score: 78/100 (Strong)
- Refinance: 33 loans, Score: 54/100 (Sound)

**USDA:**
- Purchase: 214 loans, Score: 91/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 89/100 | 9,241 | $3.2B | +0.396% | Exceptional 🤩 |
| Refinance | 81/100 | 1,924 | $666M | +0.289% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 1,387 | 1.22% | 85/100 |
| TX | 1,202 | 0.34% | 77/100 |
| FL | 833 | 0.28% | 72/100 |
| PA | 829 | 0.69% | 80/100 |
| CA | 729 | 0.26% | 70/100 |
| MN | 595 | 0.92% | 77/100 |
| IL | 418 | 0.34% | 72/100 |
| MI | 374 | 0.33% | 69/100 |
| NC | 358 | 0.24% | 67/100 |
| CT | 349 | 1.01% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,178 | 76/100 |
| Houston | TX | 460 | 75/100 |
| Pittsburgh, PA | PA | 429 | 84/100 |
| New York | NY-NJ | 427 | 77/100 |
| Minneapolis | MN-WI | 335 | 72/100 |
| Nassau County | NY | 299 | 76/100 |
| Chicago | IL | 263 | 69/100 |
| Phoenix | AZ | 199 | 65/100 |
| Warren | MI | 197 | 68/100 |
| Utica | NY | 188 | 91/100 |
| Portland | OR-WA | 170 | 68/100 |
| Dallas | TX | 163 | 65/100 |
| Atlanta | GA | 129 | 62/100 |
| Austin | TX | 127 | 67/100 |
| St. Louis, MO | MO-IL | 125 | 65/100 |

## Where This Lender Ranks

PLAZA HOME MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Utica for USDA Loans
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Utica for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in St. Cloud, MN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Syracuse, NY for USDA Loans
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Syracuse, NY for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Pittsburgh, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Pittsburgh, PA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Utica for VA Loans
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Utica for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Kokomo, IN for VA Loans
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Kokomo, IN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Pittsburgh, PA for USDA Loans
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in St. Cloud, MN for VA Loans
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/va-loans)
- 🥉 **#3** in St. Cloud, MN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Jacksonville, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jacksonville-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Kokomo, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Killeen for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Salem, OR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Erie, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Watertown for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/watertown/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does PLAZA HOME MORTGAGE, INC. offer?

PLAZA HOME MORTGAGE, INC. 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 PLAZA HOME MORTGAGE, INC. offer mortgages?

PLAZA HOME MORTGAGE, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are PLAZA HOME MORTGAGE, INC.'s mortgage rates?

PLAZA HOME MORTGAGE, INC. 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 0.380% above market average.

### What type of lender is PLAZA HOME MORTGAGE, INC.?

PLAZA HOME MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is PLAZA HOME MORTGAGE, INC.'s loan approval success rate?

PLAZA HOME MORTGAGE, INC. has a pull-through score of 69/100 (Strong). 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/plaza-home-mortgage

### How to Cite

> "PLAZA HOME MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/plaza-home-mortgage

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