Hallmark Home Mortgage
We analyzed every closed loan from Hallmark Home Mortgage — 2.2k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
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 · USDA
Place
Strong
4/5
Multi-Region · 20 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
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
Explore another lender or local market
Report Card
Hallmark Home Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+67.8 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
Strong
Top 40% of lenders
USDA
Strong
Top 40% 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 · 21 markets
Strong
Top 40% of lenders
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 |
Conventional
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume1,448
Mix64.4%
Spread
+0.648%Above
Fees
$2,638Fees
FHA Loans
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume617
Mix27.5%
Spread
+0.933%Above
Fees
$3,292Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume148
Mix6.6%
Spread
-0.033%Below
Fees
$2,941Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume34
Mix1.5%
Spread
+0.739%Above
Fees
$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 |
Purchase
OverallStrong
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume2,127
Mix94.7%
Spread
+0.684%Above
Fees
$2,838Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume120
Mix5.3%
Spread
+0.590%Above
Fees
$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
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
14Midwest6
ILINKSMIMOOH
South7
FLGAKYNCSCTNTX
West1
CO
Top Metro Areas by Place Specialization Score
Volume 430Mix 19.14% of portfolio
100/100
Exceptional
Volume 126Mix 5.61% of portfolio
96/100
Exceptional
Volume 286Mix 12.73% of portfolio
84/100
Exceptional
Volume 98Mix 4.36% of portfolio
82/100
Exceptional
Volume 337Mix 15.00% of portfolio
81/100
Exceptional
Volume 66Mix 2.94% of portfolio
79/100
Strong
Volume 60Mix 2.67% of portfolio
76/100
Strong
Volume 38Mix 1.69% of portfolio
73/100
Strong
Volume 144Mix 6.41% of portfolio
68/100
Strong
Volume 50Mix 2.23% of portfolio
65/100
StrongShowing 10 of 20 metro areas
Top States by Place Specialization Score
1
IndianaState
Volume 1,542Mix 68.62% of portfolio
90/100
Exceptional2
TexasState
Volume 316Mix 14.06% of portfolio
68/100
Strong3
MissouriState
Volume 145Mix 6.45% of portfolio
64/100
Strong4
MichiganState
Volume 87Mix 3.87% of portfolio
58/100
Sound5
KansasState
Volume 41Mix 1.82% of portfolio
56/100
Sound6
North CarolinaState
Volume 37Mix 1.65% of portfolio
47/100
Sound7
OhioState
Volume 29Mix 1.29% of portfolio
45/100
Sound8
FloridaState
Volume 39Mix 1.74% of portfolio
44/100
SoundHow 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.