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Home Loan Investment Bank

Bank•Warwick, RIHQ•Direct•Reviews near you on Google

Home Loan Investment Bank has 295 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 3 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Nationwide availability with consistent service

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Home Loan Investment Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+27.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
VA
Acceptable
Bottom 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume222
Mix75.3%
Spread
+0.251%Above
Fees
$2,001Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume44
Mix14.9%
Spread
+0.429%Above
Fees
$2,742Fees
VA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume10
Mix3.4%
Spread
-0.191%Below
Fees
$1,948Fees
Jumbo Loans
Overall
Acceptable
Product
Sound
Pricing—
Pull Through
Acceptable
Volume19
Mix6.4%
Spread
+0.343%Above
Fees
$1,487Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume258
Mix87.5%
Spread
+0.301%Above
Fees
$2,099Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume37
Mix12.5%
Spread
+0.120%Above
Fees
$1,952Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
295
Applications
397
Volume
$131 million
Pricing & Closing
Avg Rate Spread
+0.277%
vs. market APOR
Avg Net Fees
$2,079
Origination − Credits
Pullthrough Rate
74.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$446,797
Avg Borrower Income
$170,664
Avg Property Value
$563,644

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

29
29 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest4
ILINMIOH
South8
DCFLMDNCOKTNTXVA
West8
AZCACOIDNVORUTWA

Top Metro Areas by Place Specialization Score

1© Macaolards · CC BY-SA 4.0
Providence, RI-MAMetro
Volume 149Mix 50.51% of portfolio
82/100
Exceptional
2© John Phelan · CC BY-SA 3.0
Rockingham County, NHMetro
Volume 15Mix 5.08% of portfolio
50/100
Sound
3© Percival Kestreltail · CC BY-SA 3.0
Cambridge, MAMetro
Volume 17Mix 5.76% of portfolio
49/100
Sound

Top States by Place Specialization Score

Rhode Island
Rhode Island
1
Rhode IslandState
Volume 143Mix 48.47% of portfolio
82/100
Exceptional
Massachusetts
Massachusetts
2
MassachusettsState
Volume 39Mix 13.22% of portfolio
56/100
Sound
New Hampshire
New Hampshire
3
New HampshireState
Volume 26Mix 8.81% of portfolio
55/100
Sound
Connecticut
Connecticut
4
ConnecticutState
Volume 22Mix 7.46% of portfolio
51/100
Sound
Florida
Florida
5
FloridaState
Volume 10Mix 3.39% of portfolio
35/100
Acceptable

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.