What loan types does Plaza Home Mortgage offer?

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

Where does Plaza Home Mortgage offer mortgages?

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

How competitive are Plaza Home Mortgage's mortgage rates?

Plaza Home Mortgage has an overall pricing score of 36.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Plaza Home Mortgage?

Plaza Home Mortgage is a Independent Mortgage Company headquartered in Sacramento, CA.

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Plaza Home Mortgage

Independent Mortgage Company•Sacramento, CAHQ•Wholesale•Reviews near you on Google

Plaza Home Mortgage's 11.2k closed loans and 18k applications, benchmarked 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

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
High volume lender with significant market experience
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Plaza Home Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+38.0 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 10% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 10% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Sound	Strong	6,247	56.0%	+0.263%Above	$2,606Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	3,501	31.4%	+0.790%Above	$3,236Fees
VA Loans	Strong	Exceptional	Sound	Strong	1,059	9.5%	-0.234%Below	$2,820Fees
Jumbo Loans	Sound	Strong	Mediocre	Sound	142	1.3%	+0.826%Above	$3,164Fees
USDA Loans	Strong	Exceptional	Sound	Strong	216	1.9%	+0.413%Above	$2,207Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume6,247

Mix56.0%

Spread

+0.263%Above

Fees

$2,606Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume3,501

Mix31.4%

Spread

+0.790%Above

Fees

$3,236Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,059

Mix9.5%

Spread

-0.234%Below

Fees

$2,820Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume142

Mix1.3%

Spread

+0.826%Above

Fees

$3,164Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume216

Mix1.9%

Spread

+0.413%Above

Fees

$2,207Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	9,241	82.8%	+0.396%Above	$2,689Fees
Refinance	Sound	Exceptional	Acceptable	Sound	1,924	17.2%	+0.289%Above	$3,421Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume9,241

Mix82.8%

Spread

+0.396%Above

Fees

$2,689Fees

Refinance

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume1,924

Mix17.2%

Spread

+0.289%Above

Fees

$3,421Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

11,165

Applications

18,307

Volume

$3 billion

Pricing & Closing

Avg Rate Spread

+0.380%

vs. market APOR

Avg Net Fees

$2,801

Origination − Credits

Pullthrough Rate

61.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$347,816

Avg Borrower Income

$136,100

Avg Property Value

$439,386

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

Includes Washington, DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

51Nationwide · all 50 states and DC

Northeast9

CTMEMANHNJNYPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Andrey Volk · CC BY-SA 4.0

Utica, NYMetro

Volume 188Mix 1.68% of portfolio

91/100

Exceptional

2© Derek Jensen (Tysto) · Public domain

Kokomo, INMetro

Volume 74Mix 0.66% of portfolio

86/100

Exceptional

3© Dan Gaken · CC BY 2.0

Pittsburgh, PAMetro

Volume 429Mix 3.84% of portfolio

84/100

Exceptional

St. Cloud, MNMetro

Volume 99Mix 0.89% of portfolio

78/100

Strong

New York, NY-NJMetro

Volume 427Mix 3.82% of portfolio

77/100

Strong

Nassau County, NYMetro

Volume 299Mix 2.68% of portfolio

76/100

Strong

Houston, TXMetro

Volume 460Mix 4.12% of portfolio

75/100

Strong

Jacksonville, NCMetro

Volume 84Mix 0.75% of portfolio

73/100

Strong

Minneapolis, MN-WIMetro

Volume 335Mix 3.00% of portfolio

72/100

Strong

New Haven, CTMetro

Volume 87Mix 0.78% of portfolio

72/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

New YorkState

Volume 1,387Mix 12.42% of portfolio

85/100

Exceptional

PennsylvaniaState

Volume 829Mix 7.42% of portfolio

80/100

Exceptional

TexasState

Volume 1,202Mix 10.77% of portfolio

77/100

Strong

MinnesotaState

Volume 595Mix 5.33% of portfolio

77/100

Strong

ConnecticutState

Volume 349Mix 3.13% of portfolio

75/100

Strong

OregonState

Volume 321Mix 2.88% of portfolio

75/100

Strong

New JerseyState

Volume 331Mix 2.96% of portfolio

73/100

Strong

FloridaState

Volume 833Mix 7.46% of portfolio

72/100

Strong

IllinoisState

Volume 418Mix 3.74% of portfolio

72/100

Strong

CaliforniaState

Volume 729Mix 6.53% of portfolio

70/100

Strong

Showing 10 of 47 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.