HomeAmerican Mortgage
We analyzed every closed loan from HomeAmerican Mortgage — 7.3k loans across 9k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 42 mkts
Awards
Conventional
Champion
FHA
Champion
VA
Champion
Purchase
Champion
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
Explore another lender or local market
Report Card
HomeAmerican Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 65.4 bps below market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 43 markets
Strong
Top 40% of lenders
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 |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume3,817
Mix52.2%
Spread
-0.333%Below
Fees
$130Fees
FHA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume2,322
Mix31.7%
Spread
-0.912%Below
Fees
$6Credit
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume1,162
Mix15.9%
Spread
-1.293%Below
Fees
$144Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume11
Mix0.2%
Spread
+0.061%Above
Fees
$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 |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume7,316
Mix100.0%
Spread
-0.654%Below
Fees
$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
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
16Northeast1
PA
South6
ALFLMDTNTXVA
West9
AZCACOIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 730Mix 9.98% of portfolio
91/100
Exceptional
Volume 126Mix 1.72% of portfolio
87/100
Exceptional
Volume 537Mix 7.34% of portfolio
87/100
Exceptional
Volume 802Mix 10.96% of portfolio
85/100
Exceptional
Volume 248Mix 3.39% of portfolio
85/100
Exceptional
Volume 994Mix 13.59% of portfolio
84/100
Exceptional
Volume 267Mix 3.65% of portfolio
83/100
Exceptional
Volume 86Mix 1.18% of portfolio
83/100
Exceptional
Volume 583Mix 7.97% of portfolio
81/100
Exceptional
Volume 271Mix 3.70% of portfolio
80/100
StrongShowing 10 of 42 metro areas
Top States by Place Specialization Score
1
NevadaState
Volume 758Mix 10.36% of portfolio
89/100
Exceptional2
ColoradoState
Volume 1,272Mix 17.39% of portfolio
86/100
Exceptional3
ArizonaState
Volume 1,265Mix 17.29% of portfolio
85/100
Exceptional4
CaliforniaState
Volume 1,446Mix 19.76% of portfolio
79/100
Strong5
FloridaState
Volume 1,061Mix 14.50% of portfolio
76/100
Strong6
WashingtonState
Volume 345Mix 4.72% of portfolio
74/100
Strong7
UtahState
Volume 361Mix 4.93% of portfolio
74/100
Strong8
VirginiaState
Volume 276Mix 3.77% of portfolio
70/100
Strong9
IdahoState
Volume 115Mix 1.57% of portfolio
62/100
Strong10
New MexicoState
Volume 74Mix 1.01% of portfolio
61/100
StrongShowing 10 of 15 states
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.
Looking for a different lender?
Are you the owner of HomeAmerican Mortgage?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.