H
Home Mortgage Alliance Corporation
Independent Mortgage Company•Santa Ana, CA•Direct to Consumer
We analyzed every closed loan from Home Mortgage Alliance — 965 loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Sound
National · 25 mkts
Shopping for a Mortgage?
Save Home Mortgage Alliance or ask our AI assistant to explore your options.
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 76 basis points above market average
- Higher than average fees ($4,475)
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Home Mortgage Alliance Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +75.9 bps above market avg | |
Pull Through Closing strength | Near industry average Bottom 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Industry Standard Top 60% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National26 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 504 | 52.2% | +0.833%Above | $5,255Fees | ||||
FHA Loans | 351 | 36.4% | +0.803%Above | $4,050Fees | ||||
VA Loans | 57 | 5.9% | -0.106%Below | $4,054Fees | ||||
Jumbo Loans | — | 53 | 5.5% | +1.185%Above | $1,597Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 755 | 78.2% | +0.771%Above | $4,552Fees | ||||
Refinance | 210 | 21.8% | +0.702%Above | $4,123Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
965
Applications
1,823
Volume
$457 million
Pricing & Closing
Avg Rate Spread
+0.759%
vs. market APOR
Avg Net Fees
$4,475
Origination − Credits
Pullthrough Rate
52.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$474,440
Avg Borrower Income
$203,623
Avg Property Value
$610,150
Geographic Coverage
Geographic Performance
Metro Areas
25
States Served
40
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMIMNMOMSMTNCNJNMNVOHOKORPASCTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Redding, CA, CAMSA
Volume: 46Mix: 4.77%of portfolio
Place
Strong2
Los Angeles, CAMSA
Volume: 91Mix: 9.43%of portfolio
Place
Strong3
Riverside, CAMSA
Volume: 79Mix: 8.19%of portfolio
Place
Strong4
Minneapolis, MN-WIMSA
Volume: 41Mix: 4.25%of portfolio
Place
Sound5
Seattle, WAMSA
Volume: 30Mix: 3.11%of portfolio
Place
Sound6
Phoenix, AZMSA
Volume: 40Mix: 4.15%of portfolio
Place
Sound7
Sacramento, CAMSA
Volume: 27Mix: 2.80%of portfolio
Place
Sound8
Richmond, VA, VAMSA
Volume: 21Mix: 2.18%of portfolio
Place
Sound9
Anaheim, CAMSA
Volume: 20Mix: 2.07%of portfolio
Place
Sound10
Dallas, TXMSA
Volume: 24Mix: 2.49%of portfolio
Place
SoundShowing 10 of 25 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 400Mix: 41.45%of portfolio
Place
Strong2
FLState
Volume: 92Mix: 9.53%of portfolio
Place
Sound3
MNState
Volume: 48Mix: 4.97%of portfolio
Place
Sound4
WAState
Volume: 39Mix: 4.04%of portfolio
Place
Sound5
TXState
Volume: 71Mix: 7.36%of portfolio
Place
Sound6
AZState
Volume: 43Mix: 4.46%of portfolio
Place
Sound7
VAState
Volume: 41Mix: 4.25%of portfolio
Place
Sound8
GAState
Volume: 39Mix: 4.04%of portfolio
Place
Sound9
HIState
Volume: 15Mix: 1.55%of portfolio
Place
Sound10
MDState
Volume: 15Mix: 1.55%of portfolio
Place
SoundShowing 10 of 16 states
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.
Looking for a different lender?
Are you the owner of Home Mortgage Alliance Corporation?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.