Home Mortgage Alliance Corporation (Hmac) mortgage approval rate & lending review
Home Mortgage Alliance Corporation (Hmac) decided 7,434 mortgage applications and funded 5,149 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Home Mortgage Alliance Corporation (Hmac) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Home Mortgage Alliance Corporation (Hmac) at a glance
Approval is 4.2 points above the 78.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 2,441 / 2,878 | 89% | $415K | 2,180 |
| Cash-out refinance | 84% | 2,118 / 2,533 | 80% | $205K | 1,691 |
| Refinance | 69% | 165 / 239 | 74% | $485K | 122 |
| Investment property purchase | 88% | 627 / 716 | 85% | $275K | 535 |
| Investment cash-out refinance | 78% | 687 / 880 | 80% | $255K | 552 |
| Investment refinance | 65% | 122 / 188 | 57% | $425K | 69 |
Home Mortgage Alliance Corporation (Hmac) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 83% | $255K | 3,554 | 2,454 |
| Florida | 81% | $245K | 996 | 658 |
| Texas | 78% | $315K | 385 | 250 |
| Arizona | 86% | $285K | 358 | 242 |
| Georgia | 89% | $265K | 228 | 173 |
| Minnesota | 82% | $365K | 216 | 172 |
| Virginia | 91% | $305K | 177 | 153 |
| New Jersey | 84% | $215K | 157 | 108 |
| Washington | 84% | $675K | 135 | 101 |
| Maryland | 85% | $285K | 131 | 95 |
| Hawaii | 77% | $355K | 96 | 54 |
| Illinois | 75% | $225K | 89 | 54 |
| Ohio | 94% | $365K | 88 | 76 |
| Nevada | 81% | $205K | 84 | 58 |
| Pennsylvania | 94% | $265K | 82 | 66 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Home Mortgage Alliance Corporation (Hmac) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Cash-out refinance | 82% | 542 | 355 |
| Orange County, CA | Cash-out refinance | 90% | 176 | 142 |
| San Diego County, CA | Cash-out refinance | 83% | 197 | 129 |
| Riverside County, CA | Cash-out refinance | 84% | 164 | 109 |
| Los Angeles County, CA | Investment cash-out refinance | 76% | 165 | 103 |
| Shasta County, CA | Mortgage lenders | 94% | 86 | 78 |
| San Bernardino County, CA | Cash-out refinance | 81% | 105 | 62 |
| Miami-Dade County, FL | Cash-out refinance | 81% | 74 | 47 |
| Broward County, FL | Cash-out refinance | 81% | 62 | 39 |
| San Diego County, CA | Investment cash-out refinance | 81% | 53 | 35 |
| Riverside County, CA | Investment cash-out refinance | 74% | 54 | 32 |
| Orange County, CA | Investment cash-out refinance | 74% | 42 | 30 |
The county markets where Home Mortgage Alliance Corporation (Hmac) made the most loans. Each link opens that market with every lender ranked.
Questions about Home Mortgage Alliance Corporation (Hmac)
What is Home Mortgage Alliance Corporation (Hmac)'s mortgage approval rate?
Home Mortgage Alliance Corporation (Hmac) approved 82.9% of the 7,434 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.2 points above the 78.7% national rate for the same mix of loan types.
How often do borrowers take the loan Home Mortgage Alliance Corporation (Hmac) offers?
Borrowers accepted 84% of the loans Home Mortgage Alliance Corporation (Hmac) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Home Mortgage Alliance Corporation (Hmac) make?
The typical home purchase mortgage loan Home Mortgage Alliance Corporation (Hmac) made was $415K; across all loan types its typical loan ran from $205K to $485K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Home Mortgage Alliance Corporation (Hmac) lend?
Home Mortgage Alliance Corporation (Hmac) decided applications in 47 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Home Mortgage Alliance Corporation (Hmac) directly?
Yes. Home Mortgage Alliance Corporation (Hmac) reports as a direct lender that takes applications from borrowers.
Does this page show Home Mortgage Alliance Corporation (Hmac)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Home Mortgage Alliance Corporation (Hmac) treats applications, then get a rate quote from the lender.