HomePilot Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores HomePilot
HomePilot is a mortgage broker, not a direct lender — it doesn't originate loans itself. We still score its pricing on the same measures we use for every lender, so you can compare it fairly against your other options.
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - —Customer complaints
no CFPB complaint on record
Not rated - —Where and what they lend
10+ Bankrate customers in 1 state. No lending-reach data from this broker, so this stays a comparison point for you rather than a star.
Not rated
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
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What Bankrate's editors think
HomePilot is a wholesale mortgage brokerage that claims to pass lender pricing straight through instead of marking it up like a retail bank. And if you bring a competing Loan Estimate on an eligible fixed-rate conventional, FHA or VA loan of $200,000 or more and this broker can’t beat it, you’ll receive $500. About 84% of HomePilot’s mortgages were priced below comparable loans in 2025, and it charges less in added costs than most comparable lenders and brokers. It also has a clean CFPB complaint and enforcement record.
The company launched in mid-2025. Its BBB accreditation, granted about a year in, carries an A- rating because the business is new, not because of any complaint on file.
HomePilot is licensed in Arizona, California, Colorado, Florida and Texas, and charges no origination, processing or underwriting fees.
At a glance
Good for borrowers in Arizona, California, Colorado, Florida or Texas who are interested in the price-match guarantee. Not a good fit outside those five states, or if you’d rather work with a more established company.
What consumers say
VA Loan in Texas. OUTSTANDING service!
The term “exceptional” is really mild in comparison to service I received from Jack Humphres and his brokerage HomePilot! I applied for a VA Loan in Texas. His communication at the onset and through the entire process to closing was beyond excellent! I was THOROUGHLY impressed with his lack of hesitation to escalate on my behalf due to a lag with underwriting. As a veteran; his level of experience, competency and proficiency is what we, as military, have come to know and expect! He was true to his advertised fee structure. I received a good interest rate; he preemptively locked before interest rates went up. We closed on time! He maintained my best interest all the way. Jack; I can’t that you and your team enough!!
Sonya · Texas
10/10 Experience — Seamless from Start to Finish
Jack and the HomePilot team were incredible to work with throughout my HELOC process. They made everything quick, seamless, and stress-free from start to finish, ensuring there were no hiccups along the way. The entire team was professional, responsive, and made the process an absolute breeze. I would highly recommend Jack and the HomePilot team to anyone looking for a smooth and efficient experience. 10/10 experience with a 10/10 team!
Alex C. · Phoenix, AZ
Unbelievable low rate!
Jack is the man! I’ve known him for 10 years and he truly has your best interest at heart. I work for a direct lender but still went with Jack because he can get you the best rate possible and also way less closing costs. He took care of me from start to finish with my home purchase and even helped me with getting a huge seller credit after we got the inspection report back. Jack gets an A+ and HomePilot Mortgage gets an A+ thank you Jack!
Matt B. · Phoenix
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