What loan types does Homebridge Financial Services offer?

Homebridge Financial Services offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Homebridge Financial Services offer mortgages?

Homebridge Financial Services is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Homebridge Financial Services's mortgage rates?

Homebridge Financial Services has an overall pricing score of 35.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Homebridge Financial Services?

Homebridge Financial Services is a Independent Mortgage Company headquartered in Iselin, NJ.

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Homebridge Financial Services

Independent Mortgage Company•Iselin, NJHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from Homebridge Financial Services — 2.7k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 49 mkts

Awards

FHA

Superstar

Summary

What They Do Well

Particularly strong in Conventional and FHA and VA and Jumbo loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Homebridge Financial Services performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+36.8 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Sound

Top 60% 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

National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Strong	Mediocre	Acceptable	1,442	53.5%	+0.565%Above	$3,833Fees
FHA Loans	Strong	Strong	Sound	Strong	890	33.0%	+0.432%Above	$1,502Fees
VA Loans	Sound	Strong	Sound	Strong	219	8.1%	-0.281%Below	$1,626Fees
Jumbo Loans	Sound	Strong	Mediocre	Sound	133	4.9%	+1.149%Above	$3,868Fees
USDA Loans	Acceptable	Sound	—	Mediocre	12	0.4%	+0.371%Above	$2,588Fees

Conventional

Overall

Acceptable

Product

Strong

Pricing

Mediocre

Pull Through

Acceptable

Volume1,442

Mix53.5%

Spread

+0.565%Above

Fees

$3,833Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume890

Mix33.0%

Spread

+0.432%Above

Fees

$1,502Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume219

Mix8.1%

Spread

-0.281%Below

Fees

$1,626Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume133

Mix4.9%

Spread

+1.149%Above

Fees

$3,868Fees

USDA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Mediocre

Volume12

Mix0.4%

Spread

+0.371%Above

Fees

$2,588Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	2,095	77.7%	+0.495%Above	$3,694Fees
Refinance	Sound	Strong	Sound	Sound	601	22.3%	+0.206%Above	$755Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume2,095

Mix77.7%

Spread

+0.495%Above

Fees

$3,694Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume601

Mix22.3%

Spread

+0.206%Above

Fees

$755Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

2,696

Applications

4,535

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.368%

vs. market APOR

Avg Net Fees

$2,403

Origination − Credits

Pullthrough Rate

59.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$483,412

Avg Borrower Income

$238,059

Avg Property Value

$634,142

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest11

IAILINKSMIMNMONEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Dicklyon · CC BY-SA 4.0

Nassau County, NYMetro

Volume 178Mix 6.60% of portfolio

73/100

Strong

2© Dllu · CC BY-SA 4.0

New York, NY-NJMetro

Volume 182Mix 6.75% of portfolio

70/100

Strong

3© Eric Polk · CC BY-SA 4.0

Los Angeles, CAMetro

Volume 153Mix 5.68% of portfolio

68/100

Strong

4© Johnwayne Stroud · CC BY-SA 3.0

Riverside, CAMetro

Volume 129Mix 4.78% of portfolio

66/100

Strong

San Diego, CAMetro

Volume 77Mix 2.86% of portfolio

62/100

Strong

Newark, NJMetro

Volume 56Mix 2.08% of portfolio

62/100

Strong

Lakewood, NJMetro

Volume 56Mix 2.08% of portfolio

60/100

Sound

Cape Coral, FLMetro

Volume 41Mix 1.52% of portfolio

57/100

Sound

Tampa, FLMetro

Volume 52Mix 1.93% of portfolio

57/100

Sound

Albuquerque, NMMetro

Volume 37Mix 1.37% of portfolio

56/100

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

New YorkState

Volume 366Mix 13.58% of portfolio

74/100

Strong

CaliforniaState

Volume 552Mix 20.47% of portfolio

72/100

Strong

New JerseyState

Volume 175Mix 6.49% of portfolio

69/100

Strong

FloridaState

Volume 346Mix 12.83% of portfolio

67/100

Strong

TexasState

Volume 164Mix 6.08% of portfolio

59/100

Sound

ColoradoState

Volume 88Mix 3.26% of portfolio

58/100

Sound

LouisianaState

Volume 63Mix 2.34% of portfolio

57/100

Sound

ArizonaState

Volume 78Mix 2.89% of portfolio

57/100

Sound

New MexicoState

Volume 46Mix 1.71% of portfolio

57/100

Sound

GeorgiaState

Volume 76Mix 2.82% of portfolio

56/100

Sound

Showing 10 of 33 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.

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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.