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Home Mortgage Bankers

Independent Mortgage CompanyCarolina, PRHQDirectReviews near you on Google

We analyzed every closed loan from Home Mortgage Bankers 414 loans across 581 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · VA · USDA
Place
Strong
4/5
unknown · 2 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA and USDA loans

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Report Card

Home Mortgage Bankers performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% 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
Varies · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

FHA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume293
Mix70.8%
Spread
Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Volume14
Mix3.4%
Spread
Fees
USDA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Pull Through
Exceptional
Volume102
Mix24.6%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume386
Mix93.2%
Spread
Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Pull Through
Strong
Volume28
Mix6.8%
Spread
Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
414
Applications
581
Volume
$56 million
Pricing & Closing
Pullthrough Rate
71.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$136,715
Avg Borrower Income
$54,174
Avg Property Value
$164,341

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
0
of 50 states + DC
Avg Place Specialization
Strong
4/5

Top Metro Areas by Place Specialization Score

1© Wilfredor · CC0
San Juan, PRMetro
Volume 376Mix 90.82% of portfolio
87/100
Exceptional
2© Agentex · CC BY 2.0
Arecibo, PRMetro
Volume 13Mix 3.14% of portfolio
44/100
Sound

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.