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JH

Jet Homeloans

Independent Mortgage CompanyWilmington, DEHQDirectReviews near you on Google

We analyzed every closed loan from Jet Homeloans 2.8k loans across 3k 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
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 27 mkts
Safe Rate Awards
FHA Champion
FHA
Champion
VA Champion
VA
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 27.70 basis points below market average
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

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Report Card

Jet Homeloans performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 27.7 bps below 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
Exceptional
Top 20% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 28 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume1,557
Mix56.5%
Spread
-0.065%Below
Fees
$2,649Fees
FHA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume697
Mix25.3%
Spread
-0.390%Below
Fees
$2,086Fees
VA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Exceptional
Volume484
Mix17.6%
Spread
-0.890%Below
Fees
$2,159Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing
Pull Through
Volume15
Mix0.5%
Spread
+0.182%Above
Fees
$3,638Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume2,749
Mix99.7%
Spread
-0.277%Below
Fees
$2,436Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
2,756
Applications
3,172
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.277%
vs. market APOR
Avg Net Fees
$2,423
Origination − Credits
Pullthrough Rate
86.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$444,060
Avg Borrower Income
$158,707
Avg Property Value
$545,914

Geographic Coverage

Geographic Performance

Metro Areas
27
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

9
9 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South8
FLGAMDNCSCTNTXVA
West1
CO

Top Metro Areas by Place Specialization Score

1© DXR · CC BY-SA 4.0
Jacksonville, FLMetro
Volume 542Mix 19.67% of portfolio
90/100
Exceptional
Volume 143Mix 5.19% of portfolio
78/100
Strong
Volume 198Mix 7.18% of portfolio
77/100
Strong
Volume 300Mix 10.89% of portfolio
76/100
Strong
5© Brandonrush · CC BY-SA 3.0
Fayetteville, NCMetro
Volume 98Mix 3.56% of portfolio
75/100
Strong
Volume 307Mix 11.14% of portfolio
75/100
Strong
Volume 209Mix 7.58% of portfolio
74/100
Strong
8© olekinderhook · CC BY 3.0
Fort Collins, COMetro
Volume 60Mix 2.18% of portfolio
68/100
Strong
9© Bjoertvedt · CC BY-SA 4.0
Wilmington, NCMetro
Volume 59Mix 2.14% of portfolio
67/100
Strong
Volume 140Mix 5.08% of portfolio
67/100
Strong
Showing 10 of 27 metro areas

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 945Mix 34.29% of portfolio
79/100
Strong
Florida
Florida
2
FloridaState
Volume 841Mix 30.52% of portfolio
77/100
Strong
South Carolina
South Carolina
3
South CarolinaState
Volume 250Mix 9.07% of portfolio
74/100
Strong
Colorado
Colorado
4
ColoradoState
Volume 235Mix 8.53% of portfolio
69/100
Strong
North Carolina
North Carolina
5
North CarolinaState
Volume 301Mix 10.92% of portfolio
69/100
Strong
Tennessee
Tennessee
6
TennesseeState
Volume 99Mix 3.59% of portfolio
60/100
Strong
Virginia
Virginia
7
VirginiaState
Volume 42Mix 1.52% of portfolio
50/100
Sound
Maryland
Maryland
8
MarylandState
Volume 28Mix 1.02% of portfolio
47/100
Sound
Georgia
Georgia
9
GeorgiaState
Volume 15Mix 0.54% of portfolio
39/100
Acceptable

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.