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Home Financing Unlimited

Independent Mortgage CompanyAustin, TXHQDirectReviews near you on Google

We analyzed every closed loan from Home Financing Unlimited 461 loans across 483 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Single State · 2 mkts
Safe Rate Awards
VA Champion
VA
Champion
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 52.40 basis points below market average
  • Strong pull through performance
  • Particularly strong in FHA and VA loans

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Report Card

Home Financing Unlimited performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 52.4 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
VA
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 · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume303
Mix65.7%
Spread
-0.483%Below
Fees
$2,574Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume115
Mix24.9%
Spread
-0.489%Below
Fees
$2,666Fees
VA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume34
Mix7.4%
Spread
-1.083%Below
Fees
$1,462Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume457
Mix99.1%
Spread
-0.530%Below
Fees
$2,510Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
461
Applications
483
Volume
$187 million
Pricing & Closing
Avg Rate Spread
-0.524%
vs. market APOR
Avg Net Fees
$2,499
Origination − Credits
Pullthrough Rate
95.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$407,213
Avg Borrower Income
$188,881
Avg Property Value
$506,280

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
TX

Top Metro Areas by Place Specialization Score

Volume 432Mix 93.71% of portfolio
93/100
Exceptional
2© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 16Mix 3.47% of portfolio
46/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 461Mix 100.00% of portfolio
77/100
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.