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Bhome Mortgage

Independent Mortgage CompanyHouston, TXHQDirectReviews near you on Google

We analyzed every closed loan from Bhome Mortgage 743 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Single State · 3 mkts
Safe Rate Awards
FHA Champion
FHA
Champion
VA Champion
VA
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 13.50 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in FHA and VA loans

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Report Card

Bhome Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 13.5 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume445
Mix59.9%
Spread
-0.058%Below
Fees
$1,075Fees
FHA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume237
Mix31.9%
Spread
-0.046%Below
Fees
$928Fees
VA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume61
Mix8.2%
Spread
-0.986%Below
Fees
$720Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume743
Mix100.0%
Spread
-0.135%Below
Fees
$1,005Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
743
Applications
1,000
Volume
$276 million
Pricing & Closing
Avg Rate Spread
-0.135%
vs. market APOR
Avg Net Fees
$1,005
Origination − Credits
Pullthrough Rate
74.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$372,752
Avg Borrower Income
$158,082
Avg Property Value
$439,065

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
TX

Top Metro Areas by Place Specialization Score

Volume 643Mix 86.54% of portfolio
89/100
Exceptional
Volume 26Mix 3.50% of portfolio
52/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 743Mix 100.00% of portfolio
81/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.