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Homeamerican Mortgage Corporation
Independent Mortgage Company•Centennial, CO•Direct to Consumer
We analyzed every closed loan from Homeamerican Mortgage — 7.3k loans across 9k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Exceptional
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Strong
Multi-Region · 42 mkts
Safe Rate Awards💎Conventional Champion💎FHA Champion💎VA Champion💎Purchase Champion
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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
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Report Card
Homeamerican Mortgage Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader Rates 65.4 bps below market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional43 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,817 | 52.2% | -0.333%Below | $130Fees | ||||
FHA Loans | 2,322 | 31.7% | -0.912%Below | $6Credit | ||||
VA Loans | 1,162 | 15.9% | -1.293%Below | $144Fees | ||||
Jumbo Loans | — | 11 | 0.2% | +0.061%Above | $2,145Credit |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 7,316 | 100.0% | -0.654%Below | $65Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
7,316
Applications
9,383
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
-0.654%
vs. market APOR
Avg Net Fees
$65
Origination − Credits
Pullthrough Rate
78.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$465,730
Avg Borrower Income
$155,183
Avg Property Value
$560,888
Geographic Coverage
Geographic Performance
Metro Areas
42
States Served
16
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALAZCACOFLIDMDNMNVORPATNTXUTVAWA
Top Metro Areas by Place Specialization Score
1
Las Vegas, NVMSA
Volume: 730Mix: 9.98%of portfolio
Place
Exceptional2
Bremerton, WAMSA
Volume: 126Mix: 1.72%of portfolio
Place
Exceptional3
Jacksonville, FL, FLMSA
Volume: 537Mix: 7.34%of portfolio
Place
Exceptional4
Denver, COMSA
Volume: 802Mix: 10.96%of portfolio
Place
Exceptional5
Stockton, CAMSA
Volume: 248Mix: 3.39%of portfolio
Place
Exceptional6
Phoenix, AZMSA
Volume: 994Mix: 13.59%of portfolio
Place
Exceptional7
Lakeland, FLMSA
Volume: 267Mix: 3.65%of portfolio
Place
Exceptional8
Winchester, VA, VA-WVMSA
Volume: 86Mix: 1.18%of portfolio
Place
Exceptional9
Riverside, CAMSA
Volume: 583Mix: 7.97%of portfolio
Place
Exceptional10
Tucson, AZ, AZMSA
Volume: 271Mix: 3.70%of portfolio
Place
StrongShowing 10 of 42 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 758Mix: 10.36%of portfolio
Place
Exceptional2
COState
Volume: 1,272Mix: 17.39%of portfolio
Place
Exceptional3
AZState
Volume: 1,265Mix: 17.29%of portfolio
Place
Exceptional4
CAState
Volume: 1,446Mix: 19.76%of portfolio
Place
Strong5
FLState
Volume: 1,061Mix: 14.50%of portfolio
Place
Strong6
WAState
Volume: 345Mix: 4.72%of portfolio
Place
Strong7
UTState
Volume: 361Mix: 4.93%of portfolio
Place
Strong8
VAState
Volume: 276Mix: 3.77%of portfolio
Place
Strong9
IDState
Volume: 115Mix: 1.57%of portfolio
Place
Strong10
NMState
Volume: 74Mix: 1.01%of portfolio
Place
StrongShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.