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

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

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 22 markets

Sound

Top 60% of lenders

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

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

6© Smith, H. B. · Public domain

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 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.