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GENHOME MORTGAGE CORPORATION
Independent Mortgage Company|SACRAMENTO, CA|Near-National
Loans Originated
355
Applications
924
Volume
$159 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+1.360%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$6,186
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
38.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Rates typically 136 basis points above market average
- Higher than average fees ($6,186)
- Pull through efficiency is below industry average
Report Card
GENHOME MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
FHA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Near-National · 3 metro areas · 29 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$449,394
Average Borrower Income
$168,631
Average Property Value
$508,972
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Mediocre | Acceptable | N/A | Mediocre | 76 | 21.4% | +1.108% | $4,343 |
FHA Loans | Acceptable | Strong | Mediocre | Sound | 269 | 75.8% | +1.405% | $6,551 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Acceptable | 329 | 92.7% | +1.366% | $6,225 |
Refinance | Mediocre | Acceptable | N/A | Mediocre | 26 | 7.3% | +1.303% | $5,839 |
Geographic Coverage
Metro Areas
3
States Served
29
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCAFLGAILINLAMAMDMEMIMNMSNCNMNVOHOKORPASCTNTXUTVAWAWV
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 91Mix: 25.63%
Place Specialization
Strong
2
Riverside, CAMSA
Volume: 73Mix: 20.56%
Place Specialization
Strong
3
Houston, TXMSA
Volume: 18Mix: 5.07%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 190Mix: 53.52%
Place Specialization
Strong
2
TXState
Volume: 46Mix: 12.96%
Place Specialization
Sound
3
FLState
Volume: 36Mix: 10.14%
Place Specialization
Sound
4
AZState
Volume: 11Mix: 3.10%
Place Specialization
Sound
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.
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