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HOMEBRIDGE FINANCIAL SERVICES, INC.
Independent Mortgage Company|Iselin, NJ|National
Loans Originated
2,696
Applications
4,535
Volume
$1 billion
Sources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.368%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,403
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.4%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
HOMEBRIDGE FINANCIAL SERVICES, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 50 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$483,412
Average Borrower Income
$238,059
Average Property Value
$634,142
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% | $3,833 |
FHA Loans | Strong | Strong | Sound | Strong | 890 | 33.0% | +0.432% | $1,502 |
VA Loans | Strong | Strong | Sound | Strong | 219 | 8.1% | -0.281% | $1,626 |
Jumbo Loans | Acceptable | Strong | Mediocre | Sound | 133 | 4.9% | +1.149% | $3,868 |
USDA Loans | Acceptable | Sound | N/A | Mediocre | 12 | 0.4% | +0.371% | $2,588 |
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% | $3,694 |
Refinance | Sound | Strong | Sound | Sound | 601 | 22.3% | +0.206% | $755 |
Geographic Coverage
Metro Areas
49
States Served
50
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Nassau County, NYMSA
Volume: 178Mix: 6.60%
Place Specialization
Strong
2
New York, NY-NJMSA
Volume: 182Mix: 6.75%
Place Specialization
Strong
3
Los Angeles, CAMSA
Volume: 153Mix: 5.68%
Place Specialization
Strong
4
Riverside, CAMSA
Volume: 129Mix: 4.78%
Place Specialization
Strong
5
San Diego, CAMSA
Volume: 77Mix: 2.86%
Place Specialization
Strong
6
Newark, NJ, NJMSA
Volume: 56Mix: 2.08%
Place Specialization
Strong
7
Lakewood, NJMSA
Volume: 56Mix: 2.08%
Place Specialization
Sound
8
Cape Coral, FLMSA
Volume: 41Mix: 1.52%
Place Specialization
Sound
9
Tampa, FL, FLMSA
Volume: 52Mix: 1.93%
Place Specialization
Sound
10
Albuquerque, NM, NMMSA
Volume: 37Mix: 1.37%
Place Specialization
Sound
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
NYState
Volume: 366Mix: 13.58%
Place Specialization
Strong
2
CAState
Volume: 552Mix: 20.47%
Place Specialization
Strong
3
NJState
Volume: 175Mix: 6.49%
Place Specialization
Strong
4
FLState
Volume: 346Mix: 12.83%
Place Specialization
Strong
5
TXState
Volume: 164Mix: 6.08%
Place Specialization
Sound
6
COState
Volume: 88Mix: 3.26%
Place Specialization
Sound
7
LAState
Volume: 63Mix: 2.34%
Place Specialization
Sound
8
AZState
Volume: 78Mix: 2.89%
Place Specialization
Sound
9
NMState
Volume: 46Mix: 1.71%
Place Specialization
Sound
10
GAState
Volume: 76Mix: 2.82%
Place Specialization
Sound
Showing 10 of 33 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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