Looking for a different lender?
F
FIRST ALLIANCE HOME MORTGAGE, LLC
Independent Mortgage Company|Cranford, NJ|Multi-Region
Loans Originated
869
Applications
1,386
Volume
$291 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.354%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,573
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
62.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pricing may be below industry average
Report Card
FIRST ALLIANCE HOME MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 22 metro areas · 22 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$335,046
Average Borrower Income
$123,513
Average Property Value
$420,374
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 501 | 57.7% | +0.368% | $3,458 |
FHA Loans | Acceptable | Strong | Mediocre | Sound | 342 | 39.4% | +0.669% | $4,697 |
VA Loans | Acceptable | Sound | Acceptable | Acceptable | 24 | 2.8% | -0.463% | $3,499 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 623 | 71.7% | +0.411% | $3,675 |
Refinance | Acceptable | Sound | Mediocre | Acceptable | 246 | 28.3% | -0.051% | $2,843 |
Geographic Coverage
Metro Areas
21
States Served
22
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACTDCDEFLGAIDILINKYMDMSMTNCNJNYOHPASCTNVA
Top Metro Areas by Place Specialization Score
1
Harrisburg, PAMSA
Volume: 84Mix: 9.67%
Place Specialization
Strong
2
York, PAMSA
Volume: 66Mix: 7.59%
Place Specialization
Strong
3
Lakewood, NJMSA
Volume: 79Mix: 9.09%
Place Specialization
Strong
4
Newark, NJ, NJMSA
Volume: 68Mix: 7.83%
Place Specialization
Strong
5
New York, NY-NJMSA
Volume: 55Mix: 6.33%
Place Specialization
Sound
6
Atlantic City, NJMSA
Volume: 26Mix: 2.99%
Place Specialization
Sound
7
Frederick, MDMSA
Volume: 26Mix: 2.99%
Place Specialization
Sound
8
Baltimore, MDMSA
Volume: 29Mix: 3.34%
Place Specialization
Sound
9
Camden, NJ, NJMSA
Volume: 19Mix: 2.19%
Place Specialization
Sound
10
Montgomery County, PAMSA
Volume: 19Mix: 2.19%
Place Specialization
Sound
Showing 10 of 21 metro areas
Top States by Place Specialization Score
1
NJState
Volume: 246Mix: 28.31%
Place Specialization
Strong
2
PAState
Volume: 235Mix: 27.04%
Place Specialization
Strong
3
MDState
Volume: 76Mix: 8.75%
Place Specialization
Strong
4
FLState
Volume: 86Mix: 9.90%
Place Specialization
Sound
5
NYState
Volume: 40Mix: 4.60%
Place Specialization
Sound
6
NCState
Volume: 34Mix: 3.91%
Place Specialization
Sound
7
CTState
Volume: 23Mix: 2.65%
Place Specialization
Sound
8
VAState
Volume: 25Mix: 2.88%
Place Specialization
Sound
9
TNState
Volume: 24Mix: 2.76%
Place Specialization
Sound
10
GAState
Volume: 14Mix: 1.61%
Place Specialization
Acceptable
Showing 10 of 13 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to Get Started?
Compare FIRST ALLIANCE HOME MORTGAGE, LLC with other lenders or get personalized recommendations.