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HOME ACCESS FINANCIAL, LLC
Independent Mortgage Company|TAMPA, FL|Multi-Region
Loans Originated
129
Applications
209
Volume
$40 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.631%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,134
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Rates typically 63 basis points above market average
- Higher than average fees ($4,134)
- Pull through efficiency is below industry average
Report Card
HOME ACCESS FINANCIAL, LLC 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 | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 3 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$311,744
Average Borrower Income
$128,357
Average Property Value
$373,837
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | Mediocre | Acceptable | 77 | 59.7% | +0.501% | $3,911 |
FHA Loans | Acceptable | Sound | Mediocre | Sound | 52 | 40.3% | +0.806% | $4,436 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Mediocre | Acceptable | 122 | 94.6% | +0.632% | $4,101 |
Geographic Coverage
Metro Areas
2
States Served
6
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
FLGANCSCTNTX
Top Metro Areas by Place Specialization Score
1
Tampa, FL, FLMSA
Volume: 52Mix: 40.31%
Place Specialization
Strong
2
St. Petersburg, FLMSA
Volume: 13Mix: 10.08%
Place Specialization
Sound
Top States by Place Specialization Score
1
FLState
Volume: 87Mix: 67.44%
Place Specialization
Strong
2
GAState
Volume: 17Mix: 13.18%
Place Specialization
Sound
3
SCState
Volume: 10Mix: 7.75%
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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