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Home Town Funding

Independent Mortgage Company•Canandaigua, NYHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from Home Town Funding — 765 loans across 847 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 3 mkts
Safe Rate Awards
Conventional Champion
Conventional
Champion
Refinance Champion
Refinance
Champion
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate 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

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Report Card

Home Town Funding performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 6.5 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume713
Mix93.2%
Spread
-0.090%Below
Fees
$1,049Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Exceptional
Volume20
Mix2.6%
Spread
+0.352%Above
Fees
$637Fees
Jumbo Loans
Overall
Exceptional
Product
Strong
Pricing—
Pull Through
Exceptional
Volume24
Mix3.1%
Spread
-0.363%Below
Fees
$3,038Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume620
Mix81.0%
Spread
-0.064%Below
Fees
$1,047Fees
Refinance
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume145
Mix19.0%
Spread
-0.070%Below
Fees
$771Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
765
Applications
847
Volume
$222 million
Pricing & Closing
Avg Rate Spread
-0.065%
vs. market APOR
Avg Net Fees
$1,007
Origination − Credits
Pullthrough Rate
90.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$290,242
Avg Borrower Income
$157,080
Avg Property Value
$388,163

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

11
11 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
NJNYPA
Midwest1
IN
South5
ALFLNCSCTN
West2
UTWA

Top Metro Areas by Place Specialization Score

1© Theresa Marconi · CC BY-SA 3.0
Rochester, NYMetro
Volume 622Mix 81.31% of portfolio
89/100
Exceptional
2© Quintin Soloviev · CC BY 4.0
Buffalo, NYMetro
Volume 16Mix 2.09% of portfolio
46/100
Sound
3© Stilfehler · CC BY-SA 3.0
Syracuse, NYMetro
Volume 13Mix 1.70% of portfolio
44/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 736Mix 96.21% of portfolio
86/100
Exceptional
Florida
Florida
2
FloridaState
Volume 10Mix 1.31% of portfolio
33/100
Acceptable

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.