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HOME MORTGAGE ALLIANCE CORPORATION
Independent Mortgage Company|Santa Ana, CA|National
Loans Originated
965
Applications
1,823
Volume
$457 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.759%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,475
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
52.9%
Percentage of applications that result in closed loans
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
Report Card
HOME MORTGAGE ALLIANCE CORPORATION 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 | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 26 metro areas · 40 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$474,440
Average Borrower Income
$203,623
Average Property Value
$610,150
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 504 | 52.2% | +0.833% | $5,255 |
FHA Loans | Sound | Strong | Acceptable | Sound | 351 | 36.4% | +0.803% | $4,050 |
VA Loans | Sound | Strong | Acceptable | Sound | 57 | 5.9% | -0.106% | $4,054 |
Jumbo Loans | Sound | Strong | N/A | Sound | 53 | 5.5% | +1.185% | $1,597 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 755 | 78.2% | +0.771% | $4,552 |
Refinance | Acceptable | Sound | Mediocre | Acceptable | 210 | 21.8% | +0.702% | $4,123 |
Geographic Coverage
Metro Areas
25
States Served
40
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Redding, CA, CAMSA
Volume: 46Mix: 4.77%
Place Specialization
Strong
2
Los Angeles, CAMSA
Volume: 91Mix: 9.43%
Place Specialization
Strong
3
Riverside, CAMSA
Volume: 79Mix: 8.19%
Place Specialization
Strong
4
Minneapolis, MN-WIMSA
Volume: 41Mix: 4.25%
Place Specialization
Sound
5
Seattle, WAMSA
Volume: 30Mix: 3.11%
Place Specialization
Sound
6
Phoenix, AZMSA
Volume: 40Mix: 4.15%
Place Specialization
Sound
7
Sacramento, CAMSA
Volume: 27Mix: 2.80%
Place Specialization
Sound
8
Richmond, VA, VAMSA
Volume: 21Mix: 2.18%
Place Specialization
Sound
9
Anaheim, CAMSA
Volume: 20Mix: 2.07%
Place Specialization
Sound
10
Dallas, TXMSA
Volume: 24Mix: 2.49%
Place Specialization
Sound
Showing 10 of 25 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 400Mix: 41.45%
Place Specialization
Strong
2
FLState
Volume: 92Mix: 9.53%
Place Specialization
Sound
3
MNState
Volume: 48Mix: 4.97%
Place Specialization
Sound
4
WAState
Volume: 39Mix: 4.04%
Place Specialization
Sound
5
TXState
Volume: 71Mix: 7.36%
Place Specialization
Sound
6
AZState
Volume: 43Mix: 4.46%
Place Specialization
Sound
7
VAState
Volume: 41Mix: 4.25%
Place Specialization
Sound
8
GAState
Volume: 39Mix: 4.04%
Place Specialization
Sound
9
HIState
Volume: 15Mix: 1.55%
Place Specialization
Sound
10
MDState
Volume: 15Mix: 1.55%
Place Specialization
Sound
Showing 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.
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