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First Home Mortgage Corporation

Independent Mortgage Company•Lutherville-Timonium, MDHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First Home Mortgage Corporation — 5.4k loans across 7k 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
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 22 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
USDA Superstar
USDA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,432)

Explore another lender or local market

Report Card

First Home Mortgage Corporation performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+38.1 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 23 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Mediocre
Pull Through
Exceptional
Volume3,667
Mix68.4%
Spread
+0.354%Above
Fees
$4,522Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Mediocre
Pull Through
Exceptional
Volume978
Mix18.2%
Spread
+0.807%Above
Fees
$4,662Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Exceptional
Volume605
Mix11.3%
Spread
-0.188%Below
Fees
$3,246Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume36
Mix0.7%
Spread
+0.423%Above
Fees
$2,838Fees
USDA Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Exceptional
Volume76
Mix1.4%
Spread
+0.212%Above
Fees
$3,942Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume5,086
Mix94.9%
Spread
+0.383%Above
Fees
$4,417Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume276
Mix5.1%
Spread
+0.358%Above
Fees
$4,681Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
5,362
Applications
6,833
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.381%
vs. market APOR
Avg Net Fees
$4,432
Origination − Credits
Pullthrough Rate
78.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$408,870
Avg Borrower Income
$154,639
Avg Property Value
$497,475

Geographic Coverage

Geographic Performance

Metro Areas
22
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

16
16 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast6
CTMANHNJPARI
South10
DCDEFLGAMDNCSCTNVAWV

Top Metro Areas by Place Specialization Score

1© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 1,754Mix 32.71% of portfolio
100/100
Exceptional
2© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 753Mix 14.04% of portfolio
100/100
Exceptional
3© Roberto221 · CC BY-SA 4.0
Lexington Park, MDMetro
Volume 489Mix 9.12% of portfolio
100/100
Exceptional
4© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 483Mix 9.01% of portfolio
98/100
Exceptional
5© Eric Fischer · CC BY 2.0
Salisbury, MDMetro
Volume 59Mix 1.10% of portfolio
84/100
Exceptional
6© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 297Mix 5.54% of portfolio
77/100
Strong
7© Catherine from Brooklyn, NY · CC BY 2.0
Raleigh, NCMetro
Volume 223Mix 4.16% of portfolio
77/100
Strong
8© Vpuliva · Public domain
Hagerstown, MD-WVMetro
Volume 105Mix 1.96% of portfolio
76/100
Strong
9© WeaponizingArchitecture · CC BY-SA 4.0
Charleston, SCMetro
Volume 100Mix 1.86% of portfolio
71/100
Strong
10© Macaolards · CC BY-SA 4.0
Providence, RI-MAMetro
Volume 109Mix 2.03% of portfolio
70/100
Strong
Showing 10 of 22 metro areas

Top States by Place Specialization Score

Maryland
Maryland
1
MarylandState
Volume 3,477Mix 64.85% of portfolio
100/100
Exceptional
Washington, DC
Washington, DC
2
Washington, DCState
Volume 322Mix 6.01% of portfolio
92/100
Exceptional
Virginia
Virginia
3
VirginiaState
Volume 458Mix 8.54% of portfolio
77/100
Strong
North Carolina
North Carolina
4
North CarolinaState
Volume 405Mix 7.55% of portfolio
70/100
Strong
Massachusetts
Massachusetts
5
MassachusettsState
Volume 183Mix 3.41% of portfolio
66/100
Strong
South Carolina
South Carolina
6
South CarolinaState
Volume 126Mix 2.35% of portfolio
64/100
Strong
Rhode Island
Rhode Island
7
Rhode IslandState
Volume 58Mix 1.08% of portfolio
62/100
Strong
Pennsylvania
Pennsylvania
8
PennsylvaniaState
Volume 144Mix 2.69% of portfolio
61/100
Strong
Delaware
Delaware
9
DelawareState
Volume 48Mix 0.90% of portfolio
57/100
Sound
West Virginia
West Virginia
10
West VirginiaState
Volume 36Mix 0.67% of portfolio
54/100
Sound
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.