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Instamortgage

Independent Mortgage Company•San Jose, CAHQ•Direct•Reviews near you on Google

Instamortgage has 133 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 3 mkts

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Report Card

Instamortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Sound
Volume87
Mix65.4%
Spread
+0.906%Above
Fees
$3,738Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing—
Pull Through
Exceptional
Volume40
Mix30.1%
Spread
+0.599%Above
Fees
$5,510Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Sound
Volume109
Mix82.0%
Spread
+0.752%Above
Fees
$4,624Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Strong
Volume24
Mix18.0%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
133
Applications
142
Volume
$53 million
Pricing & Closing
Pullthrough Rate
93.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$405,526
Avg Borrower Income
$163,647
Avg Property Value
$627,331

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

20
20 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
CTNJPA
Midwest2
ILMI
South10
DEFLGALAMDNCOKTNTXVA
West5
AZCACONVWA

Top Metro Areas by Place Specialization Score

1© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 22Mix 16.54% of portfolio
55/100
Sound
2© w_lemay · CC BY-SA 2.0
Dover, DEMetro
Volume 10Mix 7.52% of portfolio
47/100
Sound
3© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 11Mix 8.27% of portfolio
43/100
Sound

Top States by Place Specialization Score

Nevada
Nevada
1
NevadaState
Volume 22Mix 16.54% of portfolio
54/100
Sound
California
California
2
CaliforniaState
Volume 33Mix 24.81% of portfolio
51/100
Sound
Delaware
Delaware
3
DelawareState
Volume 13Mix 9.77% of portfolio
48/100
Sound
Texas
Texas
4
TexasState
Volume 20Mix 15.04% of portfolio
45/100
Sound
Washington
Washington
5
WashingtonState
Volume 10Mix 7.52% of portfolio
43/100
Sound

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.