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Taylor Morrison Home Funding

Independent Mortgage CompanySacramento, CAHQDirectReviews near you on Google

We analyzed every closed loan from Taylor Morrison Home Funding 8.8k loans across 12k 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
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 34 mkts
Safe Rate Awards
Conventional Champion
Conventional
Champion
FHA Champion
FHA
Champion
VA Champion
VA
Champion
Purchase Champion
Purchase
Champion
Jumbo Superstar
Jumbo
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 24.70 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo loans

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Report Card

Taylor Morrison Home Funding performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 24.7 bps below 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 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 35 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume6,561
Mix74.3%
Spread
-0.200%Below
Fees
$84Credit
FHA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume1,564
Mix17.7%
Spread
-0.360%Below
Fees
$709Credit
VA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume555
Mix6.3%
Spread
-0.886%Below
Fees
$478Credit
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Sound
Volume143
Mix1.6%
Spread
+0.227%Above
Fees
$85Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume8,820
Mix99.9%
Spread
-0.247%Below
Fees
$191Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
8,827
Applications
12,011
Volume
$4 billion
Pricing & Closing
Avg Rate Spread
-0.247%
vs. market APOR
Avg Net Fees
$-187
Origination − Credits
Pullthrough Rate
73.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$463,926
Avg Borrower Income
$178,484
Avg Property Value
$600,088

Geographic Coverage

Geographic Performance

Metro Areas
34
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

12
12 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
IN
South5
FLGANCSCTX
West6
AZCACONVORWA

Top Metro Areas by Place Specialization Score

1© Rino Landa · CC BY-SA 4.0
North Port, FLMetro
Volume 715Mix 8.10% of portfolio
99/100
Exceptional
Volume 989Mix 11.20% of portfolio
95/100
Exceptional
3© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 1,547Mix 17.53% of portfolio
89/100
Exceptional
Volume 694Mix 7.86% of portfolio
83/100
Exceptional
Volume 784Mix 8.88% of portfolio
82/100
Exceptional
6© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 454Mix 5.14% of portfolio
81/100
Exceptional
Volume 189Mix 2.14% of portfolio
78/100
Strong
Volume 328Mix 3.72% of portfolio
76/100
Strong
Volume 295Mix 3.34% of portfolio
76/100
Strong
Volume 311Mix 3.52% of portfolio
75/100
Strong
Showing 10 of 34 metro areas

Top States by Place Specialization Score

Arizona
Arizona
1
ArizonaState
Volume 1,547Mix 17.53% of portfolio
87/100
Exceptional
Texas
Texas
2
TexasState
Volume 2,521Mix 28.56% of portfolio
86/100
Exceptional
Florida
Florida
3
FloridaState
Volume 1,832Mix 20.75% of portfolio
81/100
Exceptional
Nevada
Nevada
4
NevadaState
Volume 245Mix 2.78% of portfolio
74/100
Strong
North Carolina
North Carolina
5
North CarolinaState
Volume 652Mix 7.39% of portfolio
74/100
Strong
California
California
6
CaliforniaState
Volume 888Mix 10.06% of portfolio
73/100
Strong
Colorado
Colorado
7
ColoradoState
Volume 350Mix 3.97% of portfolio
71/100
Strong
Georgia
Georgia
8
GeorgiaState
Volume 376Mix 4.26% of portfolio
71/100
Strong
Oregon
Oregon
9
OregonState
Volume 172Mix 1.95% of portfolio
68/100
Strong
Washington
Washington
10
WashingtonState
Volume 126Mix 1.43% of portfolio
62/100
Strong
Showing 10 of 12 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.