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Instamortgage Inc.

Independent Mortgage CompanySAN JOSE, CADirect to Consumer

Instamortgage has 133 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pull Through
Sound
closing strength
Products
Sound
FHA · Conventional
Place
Sound
Multi-Region · 3 mkts

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Report Card

Instamortgage Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
N/A
No peer data
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Acceptable
Sound
8765.4%
+0.906%Above
$3,738Fees
FHA Loans
Strong
Sound
Exceptional
4030.1%
+0.599%Above
$5,510Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Acceptable
Sound
10982.0%
+0.752%Above
$4,624Fees
Refinance
Sound
Acceptable
Strong
2418.0%

At a Glance

Lender Overview

Lending Activity
Loans Originated
133
Applications
142
Volume
$53 million
Typical Borrower
Avg Loan Amount
$405,526
Avg Borrower Income
$163,647
Avg Property Value
$627,331

Geographic Coverage

Geographic Performance

Metro Areas
3
States Served
20
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

AZCACOCTDEFLGAILLAMDMINCNJNVOKPATNTXVAWA

Top Metro Areas by Place Specialization Score

1
Las Vegas, NVMSA
Volume: 22Mix: 16.54%of portfolio
Place
Sound
2
Dover, DE, DEMSA
Volume: 10Mix: 7.52%of portfolio
Place
Sound
3
Dallas, TXMSA
Volume: 11Mix: 8.27%of portfolio
Place
Sound

Top States by Place Specialization Score

1
NVState
Volume: 22Mix: 16.54%of portfolio
Place
Sound
2
CAState
Volume: 33Mix: 24.81%of portfolio
Place
Sound
3
DEState
Volume: 13Mix: 9.77%of portfolio
Place
Sound
4
TXState
Volume: 20Mix: 15.04%of portfolio
Place
Sound
5
WAState
Volume: 10Mix: 7.52%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.