Home Mortgage Alliance Corp Rates, Fees & Info
Santa Ana, CALEI: 254900LTD432L5CHIZ48
Tax ID: 46-3331326
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Mortgage Data
Review & Overview
Home Mortgage Alliance Corp is a smaller mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Home Mortgage Alliance Corp has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Riverside, Washington, Phoenix, and Urban Honolulu among others. We have data for 130 markets. (Some data included below & more in-depth data is available with an active subscription.)Home Mortgage Alliance Corp has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Home Mortgage Alliance Corp is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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Originations
1,972Origination Dollar Volume (All Markets)
$710,250,000Awards
Home Mortgage Alliance Corp - 2021
Home Mortgage Alliance Corp is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 480 | $225,250,000 | $469,271 | $9,587 | 3.05% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 262 | $91,820,000 | $350,458 | $8,594 | 3.02% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 233 | $80,725,000 | $346,459 | $9,670 | 3.19% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 197 | $55,815,000 | $283,325 | $8,436 | 3.26% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 68 | $32,470,000 | $477,500 | $7,414 | 3.02% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 81 | $22,315,000 | $275,494 | $8,229 | 3.14% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 38 | $19,510,000 | $513,421 | $8,389 | 3.10% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 38 | $15,530,000 | $408,684 | $6,681 | 2.74% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 38 | $13,780,000 | $362,632 | $7,132 | 2.72% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 44 | $11,470,000 | $260,682 | $8,395 | 3.50% |
| RICHMOND, VA (FHA|USDA|VA) | 47 | $10,375,000 | $220,745 | $7,490 | 3.12% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 18 | $8,880,000 | $493,333 | $10,079 | 2.98% |
| Hilo, HI (FHA|USDA|VA) | 19 | $6,525,000 | $343,421 | $7,738 | 3.25% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 13 | $6,485,000 | $498,846 | $7,887 | 3.01% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 21 | $5,595,000 | $266,429 | $7,427 | 3.21% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 14 | $5,180,000 | $370,000 | $7,647 | 3.09% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 17 | $4,825,000 | $283,824 | $7,918 | 2.89% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 17 | $4,695,000 | $276,176 | $9,501 | 3.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 18 | $3,980,000 | $221,111 | $8,075 | 2.87% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $3,670,000 | $367,000 | $12,017 | 3.25% |
| Kapaa, HI (FHA|USDA|VA) | 11 | $3,615,000 | $328,636 | $6,160 | 3.15% |
| MOBILE, AL (FHA|USDA|VA) | 18 | $3,470,000 | $192,778 | $8,160 | 3.77% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $3,195,000 | $355,000 | $6,354 | 3.14% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $3,065,000 | $340,556 | $10,038 | 3.21% |
| Outside of Metro Areas | 11 | $2,965,000 | $269,545 | $8,103 | 2.99% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $2,895,000 | $222,692 | $8,298 | 3.37% |
| FRESNO, CA (FHA|USDA|VA) | 11 | $2,725,000 | $247,727 | $7,160 | 3.17% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 11 | $2,695,000 | $245,000 | $7,119 | 3.13% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $2,485,000 | $497,000 | $8,194 | 2.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $2,475,000 | $225,000 | $8,629 | 2.66% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $2,385,000 | $340,714 | $9,267 | 3.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,675,000 | $558,333 | $8,866 | 3.04% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $1,615,000 | $538,333 | $11,417 | 3.21% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $7,638 | 3.23% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $8,520 | 3.58% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $6,822 | 2.81% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $5,520 | 3.04% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $7,803 | 2.92% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $13,406 | 3.04% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $7,132 | 3.44% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $7,226 | 2.63% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $4,932 | 2.71% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $6,624 | 3.47% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $12,614 | 3.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $7,154 | 2.56% |
| NAPA, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $6,887 | 2.94% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $8,434 | 3.12% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $6,685 | 2.88% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $9,504 | 2.75% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,235 | 2.56% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $5,990 | 3.38% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $9,118 | 3.00% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $6,907 | 2.99% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,447 | 3.17% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $8,318 | 3.21% |
| MADERA, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $9,497 | 2.81% |
| MERCED, CA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $5,270 | 3.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $18,308 | 3.54% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $19,537 | 2.66% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $9,535 | 2.79% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $15,248 | 2.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $12,118 | 3.19% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,569 | 2.75% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $11,472 | 3.46% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,623 | 2.83% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $9,006 | 3.25% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $5,529 | 2.83% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $9,345 | 3.06% |
| REDDING, CA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,340 | 2.70% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,635 | 2.99% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $8,755 | 3.33% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,586 | 2.50% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,987 | 2.25% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,190 | 2.81% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,268 | 3.56% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,698 | 3.94% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,818 | 3.12% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,981 | 3.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,185 | 3.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 2.72% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,376 | 2.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,227 | 2.50% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $16,366 | 3.13% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,884 | 3.38% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,292 | 3.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,096 | 3.31% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,705 | 2.45% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,635 | 3.25% |
| OCALA, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,218 | 2.65% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $13,506 | 3.25% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,248 | 4.50% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,982 | 2.88% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,234 | 2.67% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,723 | 2.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,967 | 3.49% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,746 | 2.38% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,626 | 2.63% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,769 | 3.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,104 | 2.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,447 | 3.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,351 | 3.25% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,305 | 2.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,195 | 2.75% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,041 | 3.25% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 2.84% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,916 | 2.99% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,105 | 2.87% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,610 | 2.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,788 | 3.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,513 | 3.13% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,236 | 2.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,487 | 2.75% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,579 | 4.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,316 | 3.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,245 | 3.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,482 | 3.15% |
| BAY CITY, MI (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $5,635 | 3.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.66% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,048 | 3.75% |
| MADISON, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 2.70% |
| ERIE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,425 | 2.88% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,567 | 3.38% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,421 | 2.88% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,395 | 2.25% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,765 | 3.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,580 | 3.38% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.05% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,247 | 3.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,785 | 3.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 2.84% |
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Product Mix
For 2021, Home Mortgage Alliance Corp's most frequently originated type of loan was Conventional, with 1,271 originations. Their 2nd most popular type was FHA, with 533 originations.
Loan Reason
For 2021, Home Mortgage Alliance Corp's most frequently cited loan purpose was Home Purchase, with 768 originations. The 2nd most popular reason was Refi, with 746 originations.
Loan Duration/Length
For 2021, Home Mortgage Alliance Corp's most frequently cited loan duration was 30 Year, with 1,773 originations. The 2nd most popular length was 15 Year, with 105 originations.
Origination Fees/Closing Costs
Home Mortgage Alliance Corp's average total fees were $8,921, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 661 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 911 | $323,645,000 | $355,263 |
| 2.5-3% | 742 | $275,320,000 | $371,051 |
| <2.5% | 256 | $89,900,000 | $351,172 |
| 4-5% | 54 | $20,140,000 | $372,963 |
| 5-6% | 9 | $1,245,000 | $138,333 |
During 2021, Home Mortgage Alliance Corp's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 3-4%, with 911 originations.
Loan Sizing
2021 saw Home Mortgage Alliance Corp place emphasis on $200k-400k loans with 1,022 originations, totaling $305,820,000 in origination value.
Applicant Income
Home Mortgage Alliance Corp lent most frequently to those with incomes in the $50k-75k range, with 452 originations. The second most popular income band? $100k-150k, with 427 originations.
Applicant Debt to Income Ratio
Home Mortgage Alliance Corp lent most frequently to those with DTI ratios of 30-36%, with 254 originations. The next most common DTI ratio? 20-30%, with 205 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.43%
Home Mortgage Alliance Corp has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination32.25%
Home Mortgage Alliance Corp has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2305.0 | 1 | $295,000 | $295,000 |
| NA | 1,971 | $709,955,000 | $360,200 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Home Mortgage Alliance Corp. (HMAC) | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |