What loan types does Grace Home Lending offer?

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

Where does Grace Home Lending offer mortgages?

Grace Home Lending offers mortgages in 1 states: TX.

How competitive are Grace Home Lending's mortgage rates?

Grace Home Lending has an overall pricing score of 46.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Grace Home Lending?

Grace Home Lending is a Independent Mortgage Company headquartered in San Antonio, TX.

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Grace Home Lending

Independent Mortgage Company•San Antonio, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Grace Home Lending — 603 loans across 823 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Exceptional

5/5

Single State · 1 mkts

Awards

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in FHA and VA loans

Explore another lender or local market

Report Card

Grace Home Lending performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 20.7 bps below market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Exceptional

Top 20% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	459	76.1%	-0.255%Below	$4,213Fees
FHA Loans	Sound	Strong	Acceptable	Strong	99	16.4%	+0.213%Above	$5,627Fees
VA Loans	Strong	Strong	Exceptional	Strong	43	7.1%	-0.778%Below	$725Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume459

Mix76.1%

Spread

-0.255%Below

Fees

$4,213Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume99

Mix16.4%

Spread

+0.213%Above

Fees

$5,627Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume43

Mix7.1%

Spread

-0.778%Below

Fees

$725Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	603	100.0%	-0.207%Below	$4,258Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume603

Mix100.0%

Spread

-0.207%Below

Fees

$4,258Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

603

Applications

823

Volume

$231 million

Pricing & Closing

Avg Rate Spread

-0.207%

vs. market APOR

Avg Net Fees

$4,258

Origination − Credits

Pullthrough Rate

73.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$383,740

Avg Borrower Income

$178,590

Avg Property Value

$488,665

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

South1

Top Metro Areas by Place Specialization Score

Houston, TXMetro

Volume 602Mix 99.83% of portfolio

88/100

Exceptional

Top States by Place Specialization Score

TexasState

Volume 603Mix 100.00% of portfolio

79/100

Strong

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.