# POLARIS HOME FUNDING CORP.

> **Canonical URL:** https://saferate.com/lenders/polaris-home-funding


> **📋 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


POLARIS HOME FUNDING CORP. is a independent mortgage company, headquartered in Englewood, FL, serving borrowers across 22 states, with 994 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 85% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930063578UDYE3JR69
- **Headquarters:** Englewood, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 22
- **State List:** AL, AR, CT, FL, GA, IA, ID, IN, KY, ME, MI, NC, NH, NJ, NM, OH, OK, PA, SC, SD, TN, WV
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 93.5%
- **Brokered/Wholesale:** 6.5%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 15/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.739%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,701
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 994
- **Dollar Volume:** $206 million
- **Applications Received:** 1,363
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $206,932
- **Average Borrower Income:** $87,169
- **Average Property Value:** $235,946

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 303 | +0.673% | $3,742 | Strong 😀 |
| FHA | 82/100 | 492 | +0.855% | $3,738 | Exceptional 🤩 |
| VA | 71/100 | 64 | +0.185% | $4,111 | Strong 😀 |
| USDA | 89/100 | 135 | +0.552% | $3,011 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 280 loans, Score: 67/100 (Strong)
- Refinance: 23 loans, Score: 33/100 (Acceptable)

**FHA:**
- Purchase: 388 loans, Score: 81/100 (Exceptional)
- Refinance: 104 loans, Score: 77/100 (Strong)

**VA:**
- Purchase: 60 loans, Score: 71/100 (Strong)

**USDA:**
- Purchase: 133 loans, Score: 89/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 861 | $175M | +0.771% | Strong 😀 |
| Refinance | 60/100 | 133 | $30M | +0.558% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 670 | 0.50% | 82/100 |
| IN | 120 | 0.13% | 64/100 |
| KY | 110 | 0.24% | 68/100 |
| WV | 36 | 0.23% | 58/100 |
| MI | 10 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 321 | 69/100 |
| Canton | OH | 133 | 83/100 |
| Weirton | WV-OH | 93 | 86/100 |
| Akron, OH | OH | 78 | 72/100 |
| Cincinnati, OH |  | 78 | 67/100 |
| Fort Wayne, IN | IN | 51 | 62/100 |
| Cleveland, OH | OH | 49 | 60/100 |
| Columbus, OH | OH | 30 | 53/100 |
| Dayton | OH | 30 | 54/100 |
| Springfield, OH | OH | 12 | 47/100 |

## Where This Lender Ranks

POLARIS HOME FUNDING CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Canton for USDA Loans
  - [View Full Rankings](https://saferate.com/canton/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Canton for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/canton/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Weirton for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Weirton for USDA Loans
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Weirton Mortgage Companies
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Weirton for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Weirton for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Weirton for FHA Loans
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Weirton
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders)
- 🏆 **#10** in Weirton for Conventional Loans
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Canton for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/canton/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in Akron, OH for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#15** in Canton for VA Loans
  - [View Full Rankings](https://saferate.com/canton/best-mortgage-lenders/va-loans)
- 🏆 **#17** in Akron, OH for VA Loans
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/va-loans)
- 🏆 **#20** in Canton Mortgage Companies
  - [View Full Rankings](https://saferate.com/canton/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in Canton for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/canton/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does POLARIS HOME FUNDING CORP. offer?

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

### Where does POLARIS HOME FUNDING CORP. offer mortgages?

POLARIS HOME FUNDING CORP. offers mortgages in 22 states: AL, AR, CT, FL, GA, IA, ID, IN, KY, ME, MI, NC, NH, NJ, NM, OH, OK, PA, SC, SD, TN, WV.

### How competitive are POLARIS HOME FUNDING CORP.'s mortgage rates?

POLARIS HOME FUNDING CORP. has a pricing score of 15/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.739% above market average.

### What type of lender is POLARIS HOME FUNDING CORP.?

POLARIS HOME FUNDING CORP. is a non-depository lender that specializes in mortgage origination, headquartered in Englewood, FL.

### What is POLARIS HOME FUNDING CORP.'s loan approval success rate?

POLARIS HOME FUNDING CORP. has a pull-through score of 74/100 (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/polaris-home-funding

### How to Cite

> "POLARIS HOME FUNDING CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/polaris-home-funding

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