What loan types does First Alliance Home Mortgage offer?

First Alliance Home Mortgage offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does First Alliance Home Mortgage offer mortgages?

First Alliance Home Mortgage offers mortgages in 22 states: AZ, CA, CT, DC, DE, FL, GA, ID, IL, IN, KY, MD, MS, MT, NC, NJ, NY, OH, PA, SC, TN, VA.

How competitive are First Alliance Home Mortgage's mortgage rates?

First Alliance Home Mortgage has an overall pricing score of 23.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Alliance Home Mortgage?

First Alliance Home Mortgage is a Independent Mortgage Company headquartered in Cranford, NJ.

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First Alliance Home Mortgage

Independent Mortgage Company•Cranford, NJHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First Alliance Home Mortgage — 869 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Sound

3/5

Multi-Region · 21 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

First Alliance Home Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+35.4 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

501 loans · 0.37% above market

Sound

Top 60% of lenders

3/5

FHA

342 loans · 0.67% above market

Strong

Top 40% of lenders

4/5

24 loans · 0.46% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

623 loans · 0.41% above market

Strong

Top 40% of lenders

4/5

Refinance

246 loans · 0.05% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 22 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

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%Above	$3,458Fees
FHA Loans	Sound	Strong	Mediocre	Sound	342	39.4%	+0.669%Above	$4,697Fees
VA Loans	Acceptable	Sound	Acceptable	Acceptable	24	2.8%	-0.463%Below	$3,499Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume501

Mix57.7%

Spread

+0.368%Above

Fees

$3,458Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume342

Mix39.4%

Spread

+0.669%Above

Fees

$4,697Fees

VA Loans

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume24

Mix2.8%

Spread

-0.463%Below

Fees

$3,499Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	623	71.7%	+0.411%Above	$3,675Fees
Refinance	Acceptable	Sound	Mediocre	Acceptable	246	28.3%	-0.051%Below	$2,843Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume623

Mix71.7%

Spread

+0.411%Above

Fees

$3,675Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Acceptable

Volume246

Mix28.3%

Spread

-0.051%Below

Fees

$2,843Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

869

Applications

1,386

Volume

$291 million

Pricing & Closing

Avg Rate Spread

+0.354%

vs. market APOR

Avg Net Fees

$3,573

Origination − Credits

Pullthrough Rate

62.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$335,046

Avg Borrower Income

$123,513

Avg Property Value

$420,374

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

22Full-year 2024 · HMDA

Loans originated

< 1010–2020–5050–100100+None

Northeast4

CTNJNYPA

Midwest3

ILINOH

South11

DCDEFLGAKYMDMSNCSCTNVA

West4

AZCAIDMT

Top Metro Areas by Place Specialization Score

1© Jeffrey Hayes · CC BY 2.0

Harrisburg, PAMetro

Volume 84Mix 9.67% of portfolio

77/100

Strong

2© Smallbones · CC0

York, PAMetro

Volume 66Mix 7.59% of portfolio

68/100

Strong

3© Mr. Matté · CC BY-SA 4.0

Lakewood, NJMetro

Volume 79Mix 9.09% of portfolio

68/100

Strong

4© Gamezilla2019 · CC BY 4.0

Newark, NJMetro

Volume 68Mix 7.83% of portfolio

67/100

Strong

5© Dllu · CC BY-SA 4.0

New York, NY-NJMetro

Volume 55Mix 6.33% of portfolio

59/100

Sound

Atlantic City, NJMetro

Volume 26Mix 2.99% of portfolio

57/100

Sound

Frederick, MDMetro

Volume 26Mix 2.99% of portfolio

55/100

Sound

Baltimore, MDMetro

Volume 29Mix 3.34% of portfolio

52/100

Sound

Camden, NJMetro

Volume 19Mix 2.19% of portfolio

49/100

Sound

Montgomery County, PAMetro

Volume 19Mix 2.19% of portfolio

49/100

Sound

Showing 10 of 21 metro areas

Top States by Place Specialization Score

New JerseyState

Volume 246Mix 28.31% of portfolio

76/100

Strong

PennsylvaniaState

Volume 235Mix 27.04% of portfolio

73/100

Strong

MarylandState

Volume 76Mix 8.75% of portfolio

61/100

Strong

FloridaState

Volume 86Mix 9.90% of portfolio

55/100

Sound

New YorkState

Volume 40Mix 4.60% of portfolio

52/100

Sound

North CarolinaState

Volume 34Mix 3.91% of portfolio

48/100

Sound

ConnecticutState

Volume 23Mix 2.65% of portfolio

48/100

Sound

VirginiaState

Volume 25Mix 2.88% of portfolio

47/100

Sound

TennesseeState

Volume 24Mix 2.76% of portfolio

46/100

Sound

GeorgiaState

Volume 14Mix 1.61% of portfolio

40/100

Acceptable

Showing 10 of 13 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

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

Looking for a different lender?

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.