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We analyzed every closed loan from Hallmark Home Mortgage — 2.2k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Strong
Multi-Region · 20 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Rates typically 68 basis points above market average
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Report Card
Hallmark Home Mortgage, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +67.8 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional21 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,448 | 64.4% | +0.648%Above | $2,638Fees | ||||
FHA Loans | 617 | 27.5% | +0.933%Above | $3,292Fees | ||||
VA Loans | 148 | 6.6% | -0.033%Below | $2,941Fees | ||||
USDA Loans | — | 34 | 1.5% | +0.739%Above | $2,400Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,127 | 94.7% | +0.684%Above | $2,838Fees | ||||
Refinance | 120 | 5.3% | +0.590%Above | $2,572Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,247
Applications
2,832
Volume
$572 million
Pricing & Closing
Avg Rate Spread
+0.678%
vs. market APOR
Avg Net Fees
$2,822
Origination − Credits
Pullthrough Rate
79.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$254,964
Avg Borrower Income
$108,742
Avg Property Value
$302,797
Geographic Coverage
Geographic Performance
Metro Areas
20
States Served
14
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
COFLGAILINKSKYMIMONCOHSCTNTX
Top Metro Areas by Place Specialization Score
1
South Bend, IN-MIMSA
Volume: 430Mix: 19.14%of portfolio
Place
Exceptional2
Brownsville, TXMSA
Volume: 126Mix: 5.61%of portfolio
Place
Exceptional3
Fort Wayne, IN, INMSA
Volume: 286Mix: 12.73%of portfolio
Place
Exceptional4
Elkhart, INMSA
Volume: 98Mix: 4.36%of portfolio
Place
Exceptional5
Indianapolis, INMSA
Volume: 337Mix: 15.00%of portfolio
Place
Exceptional6
Tyler, TX, TXMSA
Volume: 66Mix: 2.94%of portfolio
Place
Strong7
Columbus, IN, INMSA
Volume: 60Mix: 2.67%of portfolio
Place
Strong8
Michigan City, INMSA
Volume: 38Mix: 1.69%of portfolio
Place
Strong9
Kansas City, MO, MO-KSMSA
Volume: 144Mix: 6.41%of portfolio
Place
Strong10
Lafayette, INMSA
Volume: 50Mix: 2.23%of portfolio
Place
StrongShowing 10 of 20 metro areas
Top States by Place Specialization Score
1
INState
Volume: 1,542Mix: 68.62%of portfolio
Place
Exceptional2
TXState
Volume: 316Mix: 14.06%of portfolio
Place
Strong3
MOState
Volume: 145Mix: 6.45%of portfolio
Place
Strong4
MIState
Volume: 87Mix: 3.87%of portfolio
Place
Sound5
KSState
Volume: 41Mix: 1.82%of portfolio
Place
Sound6
NCState
Volume: 37Mix: 1.65%of portfolio
Place
Sound7
OHState
Volume: 29Mix: 1.29%of portfolio
Place
Sound8
FLState
Volume: 39Mix: 1.74%of portfolio
Place
SoundHow 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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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.