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HALLMARK HOME MORTGAGE, LLC
Independent Mortgage Company|FORT WAYNE, IN|Multi-Region
Loans Originated
2,247
Applications
2,832
Volume
$572 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.678%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,822
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
79.3%
Percentage of applications that result in closed loans
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
Report Card
HALLMARK HOME MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 21 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$254,964
Average Borrower Income
$108,742
Average Property Value
$302,797
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Mediocre | Strong | 1,448 | 64.4% | +0.648% | $2,638 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 617 | 27.5% | +0.933% | $3,292 |
VA Loans | Sound | Strong | Acceptable | Strong | 148 | 6.6% | -0.033% | $2,941 |
USDA Loans | Strong | Strong | N/A | Strong | 34 | 1.5% | +0.739% | $2,400 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 2,127 | 94.7% | +0.684% | $2,838 |
Refinance | Sound | Strong | Acceptable | Strong | 120 | 5.3% | +0.590% | $2,572 |
Geographic Coverage
Metro Areas
20
States Served
14
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
South Bend, IN-MIMSA
Volume: 430Mix: 19.14%
Place Specialization
Exceptional
2
Brownsville, TXMSA
Volume: 126Mix: 5.61%
Place Specialization
Exceptional
3
Fort Wayne, IN, INMSA
Volume: 286Mix: 12.73%
Place Specialization
Exceptional
4
Elkhart, INMSA
Volume: 98Mix: 4.36%
Place Specialization
Exceptional
5
Indianapolis, INMSA
Volume: 337Mix: 15.00%
Place Specialization
Exceptional
6
Tyler, TX, TXMSA
Volume: 66Mix: 2.94%
Place Specialization
Strong
7
Columbus, IN, INMSA
Volume: 60Mix: 2.67%
Place Specialization
Strong
8
Michigan City, INMSA
Volume: 38Mix: 1.69%
Place Specialization
Strong
9
Kansas City, MO, MO-KSMSA
Volume: 144Mix: 6.41%
Place Specialization
Strong
10
Lafayette, INMSA
Volume: 50Mix: 2.23%
Place Specialization
Strong
Showing 10 of 20 metro areas
Top States by Place Specialization Score
1
INState
Volume: 1,542Mix: 68.62%
Place Specialization
Exceptional
2
TXState
Volume: 316Mix: 14.06%
Place Specialization
Strong
3
MOState
Volume: 145Mix: 6.45%
Place Specialization
Strong
4
MIState
Volume: 87Mix: 3.87%
Place Specialization
Sound
5
KSState
Volume: 41Mix: 1.82%
Place Specialization
Sound
6
NCState
Volume: 37Mix: 1.65%
Place Specialization
Sound
7
OHState
Volume: 29Mix: 1.29%
Place Specialization
Sound
8
FLState
Volume: 39Mix: 1.74%
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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