What loan types does Home Mortgage Alliance Corporation offer?

Home Mortgage Alliance Corporation offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does Home Mortgage Alliance Corporation offer mortgages?

Home Mortgage Alliance Corporation is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Home Mortgage Alliance Corporation's mortgage rates?

Home Mortgage Alliance Corporation has an overall pricing score of 12.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Home Mortgage Alliance Corporation?

Home Mortgage Alliance Corporation is a Independent Mortgage Company headquartered in Santa Ana, CA.

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Home Mortgage Alliance Corporation

Independent Mortgage Company•Santa Ana, CAHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Home Mortgage Alliance Corporation — 965 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo

Place

Sound

3/5

National · 25 mkts

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

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+75.9 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

National · 26 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$5,255Fees
FHA Loans	Sound	Strong	Acceptable	Sound	351	36.4%	+0.803%Above	$4,050Fees
VA Loans	Sound	Strong	Acceptable	Sound	57	5.9%	-0.106%Below	$4,054Fees
Jumbo Loans	Sound	Strong	—	Sound	53	5.5%	+1.185%Above	$1,597Fees

Conventional

Overall

Acceptable

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume504

Mix52.2%

Spread

+0.833%Above

Fees

$5,255Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume351

Mix36.4%

Spread

+0.803%Above

Fees

$4,050Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume57

Mix5.9%

Spread

-0.106%Below

Fees

$4,054Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume53

Mix5.5%

Spread

+1.185%Above

Fees

$1,597Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Sound	755	78.2%	+0.771%Above	$4,552Fees
Refinance	Acceptable	Sound	Mediocre	Acceptable	210	21.8%	+0.702%Above	$4,123Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume755

Mix78.2%

Spread

+0.771%Above

Fees

$4,552Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Acceptable

Volume210

Mix21.8%

Spread

+0.702%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast4

CTMANJPA

Midwest9

IAILINKSMIMNMOOHWI

South16

ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West11

AZCACOHIIDMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© inderwadhwa · CC BY-SA 3.0

Redding, CAMetro

Volume 46Mix 4.77% of portfolio

75/100

Strong

2© Eric Polk · CC BY-SA 4.0

Los Angeles, CAMetro

Volume 91Mix 9.43% of portfolio

65/100

Strong

3© Johnwayne Stroud · CC BY-SA 3.0

Riverside, CAMetro

Volume 79Mix 8.19% of portfolio

63/100

Strong

4© w_lemay · CC BY-SA 2.0

Minneapolis, MN-WIMetro

Volume 41Mix 4.25% of portfolio

54/100

Sound

5© Dietmar Rabich · CC BY-SA 4.0

Seattle, WAMetro

Volume 30Mix 3.11% of portfolio

54/100

Sound

Phoenix, AZMetro

Volume 40Mix 4.15% of portfolio

53/100

Sound

Sacramento, CAMetro

Volume 27Mix 2.80% of portfolio

51/100

Sound

Richmond, VAMetro

Volume 21Mix 2.18% of portfolio

50/100

Sound

Anaheim, CAMetro

Volume 20Mix 2.07% of portfolio

49/100

Sound

Dallas, TXMetro

Volume 24Mix 2.49% of portfolio

47/100

Sound

Showing 10 of 25 metro areas

Top States by Place Specialization Score

CaliforniaState

Volume 400Mix 41.45% of portfolio

72/100

Strong

FloridaState

Volume 92Mix 9.53% of portfolio

56/100

Sound

MinnesotaState

Volume 48Mix 4.97% of portfolio

55/100

Sound

WashingtonState

Volume 39Mix 4.04% of portfolio

53/100

Sound

TexasState

Volume 71Mix 7.36% of portfolio

53/100

Sound

ArizonaState

Volume 43Mix 4.46% of portfolio

53/100

Sound

VirginiaState

Volume 41Mix 4.25% of portfolio

53/100

Sound

GeorgiaState

Volume 39Mix 4.04% of portfolio

51/100

Sound

HawaiiState

Volume 15Mix 1.55% of portfolio

47/100

Sound

MarylandState

Volume 15Mix 1.55% of portfolio

42/100

Sound

Showing 10 of 16 states

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.