What loan types does FIRST ALLIANCE HOME MORTGAGE, LLC offer?

FIRST ALLIANCE HOME MORTGAGE, LLC 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, LLC offer mortgages?

FIRST ALLIANCE HOME MORTGAGE, LLC 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, LLC's mortgage rates?

FIRST ALLIANCE HOME MORTGAGE, LLC 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, LLC?

FIRST ALLIANCE HOME MORTGAGE, LLC is a Independent Mortgage Company headquartered in Cranford, NJ.

Unclaimed

First Alliance Home Mortgage, LLC

Independent Mortgage Company•Cranford, NJ•Direct to Consumer

We analyzed every closed loan from First Alliance Home Mortgage — 869 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA

Place

Sound

Multi-Region · 21 mkts

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Safe Rate's Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

First Alliance Home Mortgage, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +35.4 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional22 markets

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	Acceptable	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

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

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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AZCACTDCDEFLGAIDILINKYMDMSMTNCNJNYOHPASCTNVA

Top Metro Areas by Place Specialization Score

Harrisburg, PAMSA

Volume: 84Mix: 9.67%of portfolio

Place

Strong

York, PAMSA

Volume: 66Mix: 7.59%of portfolio

Place

Strong

Lakewood, NJMSA

Volume: 79Mix: 9.09%of portfolio

Place

Strong

Newark, NJ, NJMSA

Volume: 68Mix: 7.83%of portfolio

Place

Strong

New York, NY-NJMSA

Volume: 55Mix: 6.33%of portfolio

Place

Sound

Atlantic City, NJMSA

Volume: 26Mix: 2.99%of portfolio

Place

Sound

Frederick, MDMSA

Volume: 26Mix: 2.99%of portfolio

Place

Sound

Baltimore, MDMSA

Volume: 29Mix: 3.34%of portfolio

Place

Sound

Camden, NJ, NJMSA

Volume: 19Mix: 2.19%of portfolio

Place

Sound

Montgomery County, PAMSA

Volume: 19Mix: 2.19%of portfolio

Place

Sound

Showing 10 of 21 metro areas

Top States by Place Specialization Score

NJState

Volume: 246Mix: 28.31%of portfolio

Place

Strong

PAState

Volume: 235Mix: 27.04%of portfolio

Place

Strong

MDState

Volume: 76Mix: 8.75%of portfolio

Place

Strong

FLState

Volume: 86Mix: 9.90%of portfolio

Place

Sound

NYState

Volume: 40Mix: 4.60%of portfolio

Place

Sound

NCState

Volume: 34Mix: 3.91%of portfolio

Place

Sound

CTState

Volume: 23Mix: 2.65%of portfolio

Place

Sound

VAState

Volume: 25Mix: 2.88%of portfolio

Place

Sound

TNState

Volume: 24Mix: 2.76%of portfolio

Place

Sound

GAState

Volume: 14Mix: 1.61%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.