# SUMMIT HOME MORTGAGE, LLC

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


SUMMIT HOME MORTGAGE, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, with 91 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 62% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300K6AZER0SHGEN26
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.457%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,720
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 91
- **Dollar Volume:** $21 million
- **Applications Received:** 125
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $231,154
- **Average Borrower Income:** $96,692
- **Average Property Value:** $267,198

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 76 | +0.426% | $2,567 | Sound ☺️ |
| FHA | 49/100 | 11 | +0.998% | $2,733 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 75 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 90 | $21M | +0.455% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 91 | 0.08% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kalamazoo | MI | 41 | 69/100 |
| Battle Creek, MI | MI | 26 | 68/100 |
| Non |  | 13 | 30/100 |

## Where This Lender Ranks

SUMMIT HOME MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Battle Creek, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/mortgage-companies)
- 🏆 **#14** in Kalamazoo Mortgage Companies
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Battle Creek, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#19** in Battle Creek, MI
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does SUMMIT HOME MORTGAGE, LLC offer?

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

### Where does SUMMIT HOME MORTGAGE, LLC offer mortgages?

SUMMIT HOME MORTGAGE, LLC offers mortgages in 1 states: MI.

### How competitive are SUMMIT HOME MORTGAGE, LLC's mortgage rates?

SUMMIT HOME MORTGAGE, LLC has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.457% above market average.

### What type of lender is SUMMIT HOME MORTGAGE, LLC?

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

### What is SUMMIT HOME MORTGAGE, LLC's loan approval success rate?

SUMMIT HOME MORTGAGE, LLC has a pull-through score of 38/100 (Acceptable). 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/summit-home-mortgage

### How to Cite

> "SUMMIT HOME MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/summit-home-mortgage

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