What loan types does Hometown Equity Mortgage offer?

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

Where does Hometown Equity Mortgage offer mortgages?

Hometown Equity Mortgage is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Hometown Equity Mortgage's mortgage rates?

Hometown Equity Mortgage has an overall pricing score of 27.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Hometown Equity Mortgage?

Hometown Equity Mortgage is a Independent Mortgage Company headquartered in CLAYTON, MO.

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Hometown Equity Mortgage

Independent Mortgage Company•Clayton, MOHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Hometown Equity Mortgage — 1.7k loans across 4k 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 · 34 mkts

Awards

FHA

Superstar

Summary

What They Do Well

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

Things to Think About

Rates typically 61 basis points above market average

Explore another lender or local market

Report Card

Hometown Equity Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+60.8 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

Strong

Top 40% 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 · 35 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	1,002	59.7%	+0.945%Above	$5,415Fees
FHA Loans	Strong	Strong	Sound	Sound	474	28.2%	+0.447%Above	$2,307Fees
VA Loans	Sound	Strong	Mediocre	Sound	59	3.5%	+0.051%Above	$4,183Fees
Jumbo Loans	Strong	Strong	—	Sound	122	7.3%	+1.008%Above	$5,540Fees
USDA Loans	Strong	Strong	—	Sound	22	1.3%	+0.540%Above	$2,038Fees

Conventional

Overall

Acceptable

Product

Strong

Pricing

Mediocre

Pull Through

Acceptable

Volume1,002

Mix59.7%

Spread

+0.945%Above

Fees

$5,415Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume474

Mix28.2%

Spread

+0.447%Above

Fees

$2,307Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume59

Mix3.5%

Spread

+0.051%Above

Fees

$4,183Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume122

Mix7.3%

Spread

+1.008%Above

Fees

$5,540Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume22

Mix1.3%

Spread

+0.540%Above

Fees

$2,038Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Acceptable	1,073	63.9%	+0.605%Above	$3,389Fees
Refinance	Sound	Strong	Mediocre	Acceptable	606	36.1%	+0.622%Above	$3,821Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Acceptable

Volume1,073

Mix63.9%

Spread

+0.605%Above

Fees

$3,389Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Acceptable

Volume606

Mix36.1%

Spread

+0.622%Above

Fees

$3,821Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,679

Applications

3,715

Volume

$800 million

Pricing & Closing

Avg Rate Spread

+0.608%

vs. market APOR

Avg Net Fees

$3,478

Origination − Credits

Pullthrough Rate

45.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$476,477

Avg Borrower Income

$328,904

Avg Property Value

$749,348

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

Northeast7

CTMANHNJPARIVT

Midwest8

IAILINMIMNMOOHWI

South16

ALARDCFLGAKYLAMDMSNCOKSCTNTXVAWV

West12

AKAZCACOHIIDMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0

Los Angeles, CAMetro

Volume 211Mix 12.57% of portfolio

74/100

Strong

2© Johnwayne Stroud · CC BY-SA 3.0

Riverside, CAMetro

Volume 222Mix 13.22% of portfolio

74/100

Strong

3© Bernard Gagnon · CC BY-SA 3.0

San Diego, CAMetro

Volume 81Mix 4.82% of portfolio

64/100

Strong

4© André Regius · CC BY-SA 3.0

Anaheim, CAMetro

Volume 59Mix 3.51% of portfolio

62/100

Strong

Fort Lauderdale, FLMetro

Volume 49Mix 2.92% of portfolio

58/100

Sound

Miami, FLMetro

Volume 49Mix 2.92% of portfolio

58/100

Sound

Bakersfield, CAMetro

Volume 34Mix 2.03% of portfolio

57/100

Sound

Atlanta, GAMetro

Volume 54Mix 3.22% of portfolio

56/100

Sound

Tampa, FLMetro

Volume 40Mix 2.38% of portfolio

55/100

Sound

Oxnard, CAMetro

Volume 23Mix 1.37% of portfolio

53/100

Sound

Showing 10 of 34 metro areas

Top States by Place Specialization Score

CaliforniaState

Volume 749Mix 44.61% of portfolio

77/100

Strong

FloridaState

Volume 319Mix 19.00% of portfolio

68/100

Strong

UtahState

Volume 58Mix 3.45% of portfolio

57/100

Sound

GeorgiaState

Volume 74Mix 4.41% of portfolio

57/100

Sound

TexasState

Volume 99Mix 5.90% of portfolio

55/100

Sound

ArizonaState

Volume 40Mix 2.38% of portfolio

51/100

Sound

NevadaState

Volume 23Mix 1.37% of portfolio

48/100

Sound

New JerseyState

Volume 28Mix 1.67% of portfolio

48/100

Sound

OhioState

Volume 34Mix 2.03% of portfolio

48/100

Sound

TennesseeState

Volume 29Mix 1.73% of portfolio

47/100

Sound

Showing 10 of 20 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.