HomePlus Mortgage 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 HomePlus Mortgage
HomePlus Mortgage 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.
4 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
1 CFPB mortgage complaint on file in 2025 (1 about applying for or closing a loan) — shown as a count, not a star: brokers don't originate loans, so there's no per-loan denominator for a rate.
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
HomePlus Mortgage has been in business since 1999 — the longest tenure of any broker we review — and has physical offices in California, Nevada, Hawaii and Texas. That tenure comes with an A+ BBB rating dating back to 2001 and just one CFPB complaint, resolved within the required timeframe, with no enforcement actions.
Price is where it falls short: only about 69% of HomePlus’s mortgages were priced below comparable loans in 2025, trailing most of its peers, and its added costs tend to run high compared with comparable lenders.
At a glance
Good for borrowers who want an established broker with decades of history and offices in multiple states. Not a good fit if you’re prioritizing the lowest price — the share of HomePlus Mortgage’s mortgages that were priced below comparable loans in 2025 is middling compared to its peers.
What consumers say
Bad communication
I started my refinance with HomePlus Mortgage in November 2025. It's now 2.6.2026 and we are still not finalized. There have been outside delays that have caused this but little to no communication from HomePlus Mortgage regarding the delays. If you are working with HomePlus Mortgage, expect to be driving and managing the process as your business is not important to HomePlus.
Sam G. · Prescott, AZ
Trusting your expert!
I am extremely fortunate to have worked with Ron, the specialist who handled my home refinance. He understood my busy schedule and inexperience in the whole process. He was available all hours of the day and answered all my questions. Dealt with my frustration when I got overwhelmed with the information and broke it all down. Transparent throughout the whole process and gave me his professional advice throughout it all. Found me the best rates and made the process smooth as butter. If you aren’t working with someone you can trust with your money, then you might want to rethink your experience. Thank you Ron and Homeplus for making my like a little easier. Looking forward to refinancing with you again in the future.
Fran · Spokane
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