# RESIDENTIAL HOME MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/residential-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


RESIDENTIAL HOME MORTGAGE CORPORATION is a independent mortgage company, headquartered in Hampton, NJ, serving borrowers across 4 states, with 138 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493005OOIYF660YQO46
- **Headquarters:** Hampton, NJ
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, NJ, NY, PA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.304%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,946
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 138
- **Dollar Volume:** $56 million
- **Applications Received:** 178
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $405,797
- **Average Borrower Income:** $179,674
- **Average Property Value:** $564,493

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 107 | +0.205% | $3,999 | Acceptable 🙂 |
| FHA | 56/100 | 26 | +0.746% | $4,036 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 99 loans, Score: 37/100 (Acceptable)

**FHA:**
- Purchase: 24 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 126 | $50M | +0.314% | Sound ☺️ |
| Refinance | 22/100 | 12 | $6M | +0.200% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 73 | 0.09% | 67/100 |
| PA | 48 | 0.04% | 60/100 |
| NY | 12 | 0.01% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Allentown | PA-NJ | 37 | 67/100 |
| Newark, NJ | NJ | 22 | 56/100 |
| Lakewood | NJ | 20 | 54/100 |
| New York | NY-NJ | 19 | 51/100 |

## Frequently Asked Questions

### What loan types does RESIDENTIAL HOME MORTGAGE CORPORATION offer?

RESIDENTIAL HOME MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RESIDENTIAL HOME MORTGAGE CORPORATION offer mortgages?

RESIDENTIAL HOME MORTGAGE CORPORATION offers mortgages in 4 states: FL, NJ, NY, PA.

### How competitive are RESIDENTIAL HOME MORTGAGE CORPORATION's mortgage rates?

RESIDENTIAL HOME MORTGAGE CORPORATION has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.304% above market average.

### What type of lender is RESIDENTIAL HOME MORTGAGE CORPORATION?

RESIDENTIAL HOME MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in Hampton, NJ.

### What is RESIDENTIAL HOME MORTGAGE CORPORATION's loan approval success rate?

RESIDENTIAL HOME MORTGAGE CORPORATION has a pull-through score of 42/100 (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/residential-home-mortgage

### How to Cite

> "RESIDENTIAL HOME MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/residential-home-mortgage

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