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Homesale Mortgage

Independent Mortgage Company•Suffolk, VAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Homesale Mortgage — 510 loans across 589 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 9 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Homesale Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+45.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume393
Mix77.1%
Spread
+0.425%Above
Fees
$2,130Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume84
Mix16.5%
Spread
+0.818%Above
Fees
$1,828Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume30
Mix5.9%
Spread
+0.153%Above
Fees
$1,959Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume503
Mix98.6%
Spread
+0.459%Above
Fees
$2,076Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
510
Applications
589
Volume
$134 million
Pricing & Closing
Avg Rate Spread
+0.459%
vs. market APOR
Avg Net Fees
$2,082
Origination − Credits
Pullthrough Rate
86.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$262,980
Avg Borrower Income
$110,435
Avg Property Value
$318,745

Geographic Coverage

Geographic Performance

Metro Areas
9
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
South5
DEMDNCVAWV

Top Metro Areas by Place Specialization Score

1© Randolph Carney · CC BY-SA 3.0
Lancaster, PAMetro
Volume 104Mix 20.39% of portfolio
85/100
Exceptional
2© Smallbones · CC0
York, PAMetro
Volume 97Mix 19.02% of portfolio
75/100
Strong
3© Jeffrey Hayes · CC BY 2.0
Harrisburg, PAMetro
Volume 56Mix 10.98% of portfolio
72/100
Strong
4© Jack · CC BY-SA 2.0
Reading, PAMetro
Volume 50Mix 9.80% of portfolio
69/100
Strong
5© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 66Mix 12.94% of portfolio
64/100
Strong
6© Joe Zlomek · CC BY-SA 3.0
Gettysburg, PAMetro
Volume 19Mix 3.73% of portfolio
62/100
Strong
7© Unknown · Public domain
Chambersburg, PAMetro
Volume 21Mix 4.12% of portfolio
62/100
Strong
8© Mr. Matté · CC BY-SA 4.0
Lebanon, PAMetro
Volume 15Mix 2.94% of portfolio
50/100
Sound
9© Vpuliva · Public domain
Hagerstown, MD-WVMetro
Volume 11Mix 2.16% of portfolio
45/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 419Mix 82.16% of portfolio
82/100
Exceptional
Maryland
Maryland
2
MarylandState
Volume 84Mix 16.47% of portfolio
64/100
Strong

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.