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Taylor Morrison Home Funding, Inc.
Independent Mortgage Company•SACRAMENTO, CA•Direct to Consumer
We analyzed every closed loan from Taylor Morrison Home Funding — 8.8k loans across 12k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Exceptional
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Strong
Multi-Region · 34 mkts
Safe Rate Awards💎Conventional Champion💎FHA Champion💎VA Champion💎Purchase Champion⭐Jumbo Superstar
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Safe Rate's 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, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader Rates 24.7 bps below market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional35 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 6,561 | 74.3% | -0.200%Below | $84Credit | ||||
FHA Loans | 1,564 | 17.7% | -0.360%Below | $709Credit | ||||
VA Loans | 555 | 6.3% | -0.886%Below | $478Credit | ||||
Jumbo Loans | 143 | 1.6% | +0.227%Above | $85Credit |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 8,820 | 99.9% | -0.247%Below | $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
States Served
12
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AZCACOFLGAINNCNVORSCTXWA
Top Metro Areas by Place Specialization Score
1
North Port, FLMSA
Volume: 715Mix: 8.10%of portfolio
Place
Exceptional2
Austin, TXMSA
Volume: 989Mix: 11.20%of portfolio
Place
Exceptional3
Phoenix, AZMSA
Volume: 1,547Mix: 17.53%of portfolio
Place
Exceptional4
Dallas, TXMSA
Volume: 694Mix: 7.86%of portfolio
Place
Exceptional5
Houston, TXMSA
Volume: 784Mix: 8.88%of portfolio
Place
Exceptional6
Charlotte, NC-SCMSA
Volume: 454Mix: 5.14%of portfolio
Place
Exceptional7
Lakeland, FLMSA
Volume: 189Mix: 2.14%of portfolio
Place
Strong8
Orlando, FLMSA
Volume: 328Mix: 3.72%of portfolio
Place
Strong9
Tampa, FL, FLMSA
Volume: 295Mix: 3.34%of portfolio
Place
Strong10
Sacramento, CAMSA
Volume: 311Mix: 3.52%of portfolio
Place
StrongShowing 10 of 34 metro areas
Top States by Place Specialization Score
1
AZState
Volume: 1,547Mix: 17.53%of portfolio
Place
Exceptional2
TXState
Volume: 2,521Mix: 28.56%of portfolio
Place
Exceptional3
FLState
Volume: 1,832Mix: 20.75%of portfolio
Place
Exceptional4
NVState
Volume: 245Mix: 2.78%of portfolio
Place
Strong5
NCState
Volume: 652Mix: 7.39%of portfolio
Place
Strong6
CAState
Volume: 888Mix: 10.06%of portfolio
Place
Strong7
COState
Volume: 350Mix: 3.97%of portfolio
Place
Strong8
GAState
Volume: 376Mix: 4.26%of portfolio
Place
Strong9
ORState
Volume: 172Mix: 1.95%of portfolio
Place
Strong10
WAState
Volume: 126Mix: 1.43%of portfolio
Place
StrongShowing 10 of 12 states
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.