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HOME TOWN FUNDING, INC.
Independent Mortgage Company|CANANDAIGUA, NY|Multi-Region
Loans Originated
765
Applications
847
Volume
$222 million
Sources loans from independent brokers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards💎Conventional Champion💎Refinance Champion⭐FHA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.065%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,007
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
90.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 6.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Report Card
HOME TOWN FUNDING, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 4 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$290,242
Average Borrower Income
$157,080
Average Property Value
$388,163
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Strong | Exceptional | Exceptional | 713 | 93.2% | -0.090% | $1,049 |
FHA Loans | Strong | Sound | Exceptional | Exceptional | 20 | 2.6% | +0.352% | $637 |
Jumbo Loans | Strong | Strong | N/A | Exceptional | 24 | 3.1% | -0.363% | -$3,038 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Strong | 620 | 81.0% | -0.064% | $1,047 |
Refinance | Exceptional | Strong | Exceptional | Exceptional | 145 | 19.0% | -0.070% | $771 |
Geographic Coverage
Metro Areas
3
States Served
11
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALFLINNCNJNYPASCTNUTWA
Top Metro Areas by Place Specialization Score
1
Rochester, NY, NYMSA
Volume: 622Mix: 81.31%
Place Specialization
Exceptional
2
Buffalo, NYMSA
Volume: 16Mix: 2.09%
Place Specialization
Sound
3
Syracuse, NY, NYMSA
Volume: 13Mix: 1.70%
Place Specialization
Sound
Top States by Place Specialization Score
1
NYState
Volume: 736Mix: 96.21%
Place Specialization
Exceptional
2
FLState
Volume: 10Mix: 1.31%
Place Specialization
Acceptable
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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