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HOMEAMERICAN MORTGAGE CORPORATION
Independent Mortgage Company|Centennial, CO|Multi-Region
Loans Originated
7,316
Applications
9,383
Volume
$3 billion
Offers loans directly to consumersHomebuilder Lender
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional Champion💎FHA Champion💎VA Champion💎Purchase Champion
Pricing and Pullthrough Overview
Average Rate Spread
-0.654%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$65
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
78.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 65.40 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Report Card
HOMEAMERICAN MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Multi-Regional · 43 metro areas · 16 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$465,730
Average Borrower Income
$155,183
Average Property Value
$560,888
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Exceptional | Exceptional | Strong | 3,817 | 52.2% | -0.333% | $130 |
FHA Loans | Exceptional | Exceptional | Exceptional | Exceptional | 2,322 | 31.7% | -0.912% | -$6 |
VA Loans | Exceptional | Exceptional | Exceptional | Exceptional | 1,162 | 15.9% | -1.293% | $144 |
Jumbo Loans | Acceptable | Sound | N/A | Mediocre | 11 | 0.2% | +0.061% | -$2,145 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Exceptional | Exceptional | Exceptional | Strong | 7,316 | 100.0% | -0.654% | $65 |
Geographic Coverage
Metro Areas
42
States Served
16
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALAZCACOFLIDMDNMNVORPATNTXUTVAWA
Top Metro Areas by Place Specialization Score
1
Las Vegas, NVMSA
Volume: 730Mix: 9.98%
Place Specialization
Exceptional
2
Bremerton, WAMSA
Volume: 126Mix: 1.72%
Place Specialization
Exceptional
3
Jacksonville, FL, FLMSA
Volume: 537Mix: 7.34%
Place Specialization
Exceptional
4
Denver, COMSA
Volume: 802Mix: 10.96%
Place Specialization
Exceptional
5
Stockton, CAMSA
Volume: 248Mix: 3.39%
Place Specialization
Exceptional
6
Phoenix, AZMSA
Volume: 994Mix: 13.59%
Place Specialization
Exceptional
7
Lakeland, FLMSA
Volume: 267Mix: 3.65%
Place Specialization
Exceptional
8
Winchester, VA, VA-WVMSA
Volume: 86Mix: 1.18%
Place Specialization
Exceptional
9
Riverside, CAMSA
Volume: 583Mix: 7.97%
Place Specialization
Exceptional
10
Tucson, AZ, AZMSA
Volume: 271Mix: 3.70%
Place Specialization
Strong
Showing 10 of 42 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 758Mix: 10.36%
Place Specialization
Exceptional
2
COState
Volume: 1,272Mix: 17.39%
Place Specialization
Exceptional
3
AZState
Volume: 1,265Mix: 17.29%
Place Specialization
Exceptional
4
CAState
Volume: 1,446Mix: 19.76%
Place Specialization
Strong
5
FLState
Volume: 1,061Mix: 14.50%
Place Specialization
Strong
6
WAState
Volume: 345Mix: 4.72%
Place Specialization
Strong
7
UTState
Volume: 361Mix: 4.93%
Place Specialization
Strong
8
VAState
Volume: 276Mix: 3.77%
Place Specialization
Strong
9
IDState
Volume: 115Mix: 1.57%
Place Specialization
Strong
10
NMState
Volume: 74Mix: 1.01%
Place Specialization
Strong
Showing 10 of 15 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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