Homexpress Mortgage
We analyzed every closed loan from Homexpress Mortgage — 1.8k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Near-National · 42 mkts
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 128 basis points above market average
- Higher than average fees ($5,091)
Explore another lender or local market
Report Card
Homexpress Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+128.1 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
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 43 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 | 1,362 | 76.8% | +1.361%Above | $5,720Fees | ||||
FHA Loans | 32 | 1.8% | +0.601%Above | $1,876Fees | ||||
Jumbo Loans | 372 | 21.0% | +1.305%Above | $3,680Fees |
Conventional
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughAcceptable
Volume1,362
Mix76.8%
Spread
+1.361%Above
Fees
$5,720Fees
FHA Loans
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume32
Mix1.8%
Spread
+0.601%Above
Fees
$1,876Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume372
Mix21.0%
Spread
+1.305%Above
Fees
$3,680Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,111 | 62.6% | +1.243%Above | $5,050Fees | ||||
Refinance | 663 | 37.4% | +1.358%Above | $5,174Fees |
Purchase
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume1,111
Mix62.6%
Spread
+1.243%Above
Fees
$5,050Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume663
Mix37.4%
Spread
+1.358%Above
Fees
$5,174Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,774
Applications
3,185
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+1.281%
vs. market APOR
Avg Net Fees
$5,091
Origination − Credits
Pullthrough Rate
55.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$623,602
Avg Borrower Income
$381,240
Avg Property Value
$901,933
Geographic Coverage
Geographic Performance
Metro Areas
42
markets with activity
States Served
39
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
39Northeast6
CTMENHNJPARI
Midwest9
IAILINKSMIMNNEOHWI
South13
ALARDEFLGALAMDNCOKSCTNTXVA
West11
AZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 120Mix 6.76% of portfolio
67/100
Strong
Volume 56Mix 3.16% of portfolio
61/100
Strong
Volume 70Mix 3.95% of portfolio
59/100
Sound
Volume 69Mix 3.89% of portfolio
58/100
Sound
Volume 45Mix 2.54% of portfolio
57/100
Sound
Volume 44Mix 2.48% of portfolio
56/100
Sound
Volume 43Mix 2.42% of portfolio
56/100
Sound
Volume 47Mix 2.65% of portfolio
54/100
Sound
Volume 30Mix 1.69% of portfolio
54/100
Sound
Volume 21Mix 1.18% of portfolio
54/100
SoundShowing 10 of 42 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 449Mix 25.31% of portfolio
71/100
Strong2
FloridaState
Volume 303Mix 17.08% of portfolio
67/100
Strong3
TexasState
Volume 237Mix 13.36% of portfolio
65/100
Strong4
NevadaState
Volume 64Mix 3.61% of portfolio
61/100
Strong5
HawaiiState
Volume 35Mix 1.97% of portfolio
58/100
Sound6
ArizonaState
Volume 66Mix 3.72% of portfolio
56/100
Sound7
New JerseyState
Volume 50Mix 2.82% of portfolio
55/100
Sound8
OregonState
Volume 37Mix 2.09% of portfolio
53/100
Sound9
WashingtonState
Volume 41Mix 2.31% of portfolio
52/100
Sound10
ColoradoState
Volume 46Mix 2.59% of portfolio
52/100
SoundShowing 10 of 27 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.
Looking for a different lender?
Are you the owner of Homexpress Mortgage?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.