# HOMEBRIDGE FINANCIAL SERVICES, INC.

> **Canonical URL:** https://saferate.com/lenders/homebridge-financial-services

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

HOMEBRIDGE FINANCIAL SERVICES, INC. is a independent mortgage company, headquartered in Iselin, NJ, serving borrowers nationwide, with 2,696 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493001WHVQBGRSWEU75
- **Headquarters:** Iselin, NJ
- **Geographic Reach:** National
- **States Served:** 50
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** wholesale
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 100%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.368%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,403
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,696
- **Dollar Volume:** $1.3 billion
- **Applications Received:** 4,535
- **Market Share:** 8.00%

## Typical Borrower Profile

- **Average Loan Amount:** $483,412
- **Average Borrower Income:** $238,059

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 1,442 | +0.565% | $3,833 | Strong 😀 |
| FHA | 78/100 | 890 | +0.432% | $1,502 | Strong 😀 |
| VA | 73/100 | 219 | -0.281% | $1,626 | Strong 😀 |
| Jumbo | 79/100 | 133 | +1.149% | $3,868 | Strong 😀 |
| USDA | 48/100 | 12 | +0.371% | $2,588 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,134 loans, Score: 62/100 (Strong)
- Refinance: 308 loans, Score: 65/100 (Strong)

**FHA:**
- Purchase: 727 loans, Score: 78/100 (Strong)
- Refinance: 163 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 143 loans, Score: 71/100 (Strong)
- Refinance: 76 loans, Score: 80/100 (Strong)

**Jumbo:**
- Purchase: 79 loans, Score: 77/100 (Strong)
- Refinance: 54 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 2,095 | $997M | +0.495% | Strong 😀 |
| Refinance | 68/100 | 601 | $306M | +0.206% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 552 | 0.19% | 72/100 |
| NY | 366 | 0.32% | 74/100 |
| FL | 346 | 0.12% | 67/100 |
| NJ | 175 | 0.20% | 69/100 |
| TX | 164 | 0.05% | 59/100 |
| CO | 88 | 0.11% | 58/100 |
| AZ | 78 | 0.08% | 57/100 |
| GA | 76 | 0.06% | 56/100 |
| LA | 63 | 0.18% | 57/100 |
| MD | 57 | 0.08% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 191 | 57/100 |
| New York | NY-NJ | 182 | 70/100 |
| Nassau County | NY | 178 | 73/100 |
| Los Angeles | CA | 153 | 68/100 |
| Riverside | CA | 129 | 66/100 |
| San Diego | CA | 77 | 62/100 |
| Phoenix | AZ | 59 | 55/100 |
| Lakewood | NJ | 56 | 60/100 |
| Newark, NJ | NJ | 56 | 62/100 |
| Tampa, FL | FL | 52 | 57/100 |
| Atlanta | GA | 46 | 53/100 |
| Denver | CO | 45 | 54/100 |
| Cape Coral | FL | 41 | 57/100 |
| Orlando | FL | 41 | 54/100 |
| Houston | TX | 39 | 50/100 |

## Frequently Asked Questions

### What loan types does HOMEBRIDGE FINANCIAL SERVICES, INC. offer?

HOMEBRIDGE FINANCIAL SERVICES, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HOMEBRIDGE FINANCIAL SERVICES, INC. offer mortgages?

HOMEBRIDGE FINANCIAL SERVICES, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are HOMEBRIDGE FINANCIAL SERVICES, INC.'s mortgage rates?

HOMEBRIDGE FINANCIAL SERVICES, INC. has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.368% above market average.

### What type of lender is HOMEBRIDGE FINANCIAL SERVICES, INC.?

HOMEBRIDGE FINANCIAL SERVICES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Iselin, NJ.

### What is HOMEBRIDGE FINANCIAL SERVICES, INC.'s loan approval success rate?

HOMEBRIDGE FINANCIAL SERVICES, INC. has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/homebridge-financial-services

### How to Cite

> "HOMEBRIDGE FINANCIAL SERVICES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/homebridge-financial-services

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