Land Home Financial Services Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493006RIR31ORKYB608

Tax ID: 68-0151632

3.1 stars - out of 5 stars, based on 85 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Land Home Financial Services is a small mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Land Home Financial Services has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include San Francisco, Sacramento, San Jose, Urban Honolulu, and Des Moines among others. Land Home Financial Services has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Land Home Financial Services is typically a high fee lendor.


Originations

7,280

Origination Dollar Volume (All Markets)

$2,182,670,000
Show all (7) awards

Relative Rate

Land Home Financial Services 's average 30 year fixed rate mortgage of loans were 3.18%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.03%.

Relative Fees

Land Home Financial Services 's average total fees for a 30 year fixed rate mortgage are $6,605.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 827 $402,155,000 $486,282 $5,489 2.94%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 447 $152,065,000 $340,190 $5,985 3.06%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 178 $100,750,000 $566,011 $6,635 3.05%
URBAN HONOLULU, HI (FHA|USDA|VA) 167 $95,975,000 $574,701 $13,855 2.71%
Outside of Metro Areas 444 $94,120,000 $211,982 $4,639 3.09%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 397 $84,765,000 $213,514 $5,256 2.99%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 304 $74,310,000 $244,441 $6,445 3.21%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 134 $50,330,000 $375,597 $8,091 3.06%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 104 $48,710,000 $468,365 $6,915 2.94%
STOCKTON, CA (FHA|USDA|VA) 121 $43,035,000 $355,661 $6,129 3.25%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 166 $41,700,000 $251,205 $6,629 3.01%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 150 $38,560,000 $257,067 $8,254 3.21%
MERCED, CA (FHA|USDA|VA) 113 $32,655,000 $288,982 $5,544 3.12%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 108 $31,710,000 $293,611 $7,400 3.10%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 105 $31,315,000 $298,238 $6,635 3.25%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 126 $30,740,000 $243,968 $5,850 3.14%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 134 $30,190,000 $225,299 $6,784 3.22%
VALLEJO, CA (FHA|USDA|VA) 77 $27,985,000 $363,442 $5,889 3.08%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 111 $26,565,000 $239,324 $5,697 3.06%
MODESTO, CA (FHA|USDA|VA) 74 $24,600,000 $332,432 $5,778 3.19%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 72 $24,210,000 $336,250 $6,845 2.90%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 107 $20,695,000 $193,411 $5,743 3.17%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 52 $20,440,000 $393,077 $4,457 2.87%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 85 $19,895,000 $234,059 $10,212 3.59%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 41 $19,465,000 $474,756 $7,566 3.05%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 58 $19,230,000 $331,552 $11,195 3.15%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 63 $18,465,000 $293,095 $8,310 3.29%
Austin, MN (FHA|USDA|VA) 115 $18,335,000 $159,435 $6,001 3.02%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 81 $17,695,000 $218,457 $5,858 3.20%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 37 $17,615,000 $476,081 $10,252 3.02%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 106 $16,380,000 $154,528 $4,672 3.34%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 46 $16,360,000 $355,652 $7,635 3.14%
COLUMBUS, OH (FHA|USDA|VA) 75 $16,335,000 $217,800 $4,872 3.24%
PUNTA GORDA, FL (FHA|USDA|VA) 78 $16,250,000 $208,333 $5,386 3.07%
ST. LOUIS, MO-IL (FHA|USDA|VA) 81 $16,165,000 $199,568 $3,569 2.89%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 47 $12,955,000 $275,638 $7,888 3.20%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 45 $12,335,000 $274,111 $5,676 3.12%
GRAND JUNCTION, CO (FHA|USDA|VA) 50 $12,150,000 $243,000 $4,139 2.63%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 50 $11,850,000 $237,000 $8,472 3.40%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 37 $11,075,000 $299,324 $6,191 3.14%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 49 $10,505,000 $214,388 $9,538 3.41%
COLORADO SPRINGS, CO (FHA|USDA|VA) 32 $10,480,000 $327,500 $8,049 3.25%
PITTSBURGH, PA (FHA|USDA|VA) 38 $9,790,000 $257,632 $7,487 3.05%
AMES, IA (FHA|USDA|VA) 54 $9,720,000 $180,000 $4,930 3.09%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 60 $9,600,000 $160,000 $6,304 3.62%
SALINAS, CA (FHA|USDA|VA) 23 $9,045,000 $393,261 $5,679 3.16%
WILMINGTON, NC (FHA|USDA|VA) 27 $8,305,000 $307,593 $5,503 3.29%
Hilo, HI (FHA|USDA|VA) 22 $8,260,000 $375,455 $10,012 2.64%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 24 $8,220,000 $342,500 $4,368 2.88%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 19 $7,795,000 $410,263 $10,054 3.20%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 41 $7,685,000 $187,439 $4,578 3.10%
WAUSAU-WESTON, WI (FHA|USDA|VA) 37 $7,425,000 $200,676 $6,111 3.12%
GREEN BAY, WI (FHA|USDA|VA) 39 $7,135,000 $182,949 $4,166 3.26%
NAPA, CA (FHA|USDA|VA) 14 $6,150,000 $439,286 $5,648 2.88%
SALT LAKE CITY, UT (FHA|USDA|VA) 18 $5,950,000 $330,556 $10,402 2.52%
Payson, AZ (FHA|USDA|VA) 27 $5,905,000 $218,704 $4,852 3.09%
YUBA CITY, CA (FHA|USDA|VA) 20 $5,620,000 $281,000 $5,056 3.23%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 33 $5,505,000 $166,818 $6,966 3.56%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 25 $5,425,000 $217,000 $8,978 3.06%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 28 $5,170,000 $184,643 $4,324 3.15%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 25 $5,005,000 $200,200 $5,309 3.19%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 11 $4,955,000 $450,455 $4,737 2.95%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 17 $4,845,000 $285,000 $8,787 3.60%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 15 $4,605,000 $307,000 $12,841 3.38%
FRESNO, CA (FHA|USDA|VA) 20 $4,600,000 $230,000 $4,883 3.07%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 24 $4,510,000 $187,917 $4,131 2.93%
Truckee-Grass Valley, CA (FHA|USDA|VA) 14 $4,510,000 $322,143 $4,985 2.97%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 23 $4,355,000 $189,348 $7,556 3.27%
MADERA, CA (FHA|USDA|VA) 12 $4,150,000 $345,833 $4,192 3.23%
MONROE, MI (FHA|USDA|VA) 19 $3,635,000 $191,316 $4,094 3.10%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 14 $3,610,000 $257,857 $6,416 3.42%
CHICO, CA (FHA|USDA|VA) 17 $3,475,000 $204,412 $5,463 2.96%
BOULDER, CO (FHA|USDA|VA) 7 $3,365,000 $480,714 $7,654 2.98%
JACKSONVILLE, FL (FHA|USDA|VA) 15 $3,365,000 $224,333 $7,267 2.96%
RACINE, WI (FHA|USDA|VA) 21 $3,235,000 $154,048 $7,656 3.71%
ALBUQUERQUE, NM (FHA|USDA|VA) 13 $3,215,000 $247,308 $4,537 3.14%
Fort Dodge, IA (FHA|USDA|VA) 23 $3,115,000 $135,435 $4,548 2.76%
RENO, NV (FHA|USDA|VA) 9 $3,065,000 $340,556 $4,756 2.81%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 14 $2,940,000 $210,000 $6,066 3.10%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 7 $2,795,000 $399,286 $3,983 2.71%
MADISON, WI (FHA|USDA|VA) 11 $2,605,000 $236,818 $5,269 3.31%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $2,575,000 $367,857 $5,304 2.95%
ROCHESTER, MN (FHA|USDA|VA) 11 $2,565,000 $233,182 $6,185 3.10%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 17 $2,525,000 $148,529 $5,400 2.85%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 17 $2,495,000 $146,765 $4,125 3.08%
APPLETON, WI (FHA|USDA|VA) 14 $2,440,000 $174,286 $3,834 3.21%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 7 $2,405,000 $343,571 $9,906 2.97%
TUCSON, AZ (FHA|USDA|VA) 12 $2,400,000 $200,000 $5,502 2.73%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 11 $2,385,000 $216,818 $8,678 3.28%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 8 $2,310,000 $288,750 $5,970 3.48%
Winona, MN (FHA|USDA|VA) 13 $2,265,000 $174,231 $5,128 3.25%
DAYTON-KETTERING, OH (FHA|USDA|VA) 14 $2,260,000 $161,429 $5,233 2.85%
BOISE CITY, ID (FHA|USDA|VA) 7 $2,185,000 $312,143 $7,851 3.13%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 13 $2,025,000 $155,769 $6,057 3.42%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $2,005,000 $668,333 $12,365 2.88%
Kapaa, HI (FHA|USDA|VA) 3 $1,955,000 $651,667 $12,318 2.88%
BAKERSFIELD, CA (FHA|USDA|VA) 8 $1,950,000 $243,750 $6,203 3.22%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 5 $1,925,000 $385,000 $6,709 3.20%
GREELEY, CO (FHA|USDA|VA) 5 $1,925,000 $385,000 $7,388 2.63%
Aberdeen, WA (FHA|USDA|VA) 6 $1,900,000 $316,667 $7,809 2.92%
REDDING, CA (FHA|USDA|VA) 8 $1,890,000 $236,250 $3,796 3.17%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 12 $1,840,000 $153,333 $6,698 3.43%
SYRACUSE, NY (FHA|USDA|VA) 13 $1,825,000 $140,385 $4,213 2.78%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 9 $1,745,000 $193,889 $6,822 3.05%
Albert Lea, MN (FHA|USDA|VA) 12 $1,710,000 $142,500 $5,829 2.89%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 10 $1,700,000 $170,000 $4,439 3.31%
Brookings, OR (FHA|USDA|VA) 5 $1,665,000 $333,000 $6,372 3.25%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $1,610,000 $268,333 $5,824 3.04%
Shelton, WA (FHA|USDA|VA) 6 $1,590,000 $265,000 $5,933 3.19%
ANN ARBOR, MI (FHA|USDA|VA) 6 $1,580,000 $263,333 $6,658 2.91%
Edwards, CO (FHA|USDA|VA) 4 $1,570,000 $392,500 $4,381 2.34%
SALEM, OR (FHA|USDA|VA) 6 $1,540,000 $256,667 $6,165 2.93%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,510,000 $377,500 $9,835 3.19%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $1,485,000 $212,143 $5,619 3.02%
PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $1,450,000 $241,667 $5,723 2.79%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,435,000 $287,000 $14,094 3.30%
PROVO-OREM, UT (FHA|USDA|VA) 4 $1,390,000 $347,500 $0 2.17%
EAU CLAIRE, WI (FHA|USDA|VA) 9 $1,375,000 $152,778 $3,950 3.30%
Ukiah, CA (FHA|USDA|VA) 4 $1,330,000 $332,500 $4,576 3.22%
Stevens Point, WI (FHA|USDA|VA) 5 $1,315,000 $263,000 $6,201 2.95%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,305,000 $261,000 $7,839 3.58%
RICHMOND, VA (FHA|USDA|VA) 5 $1,195,000 $239,000 $4,401 2.83%
BELLINGHAM, WA (FHA|USDA|VA) 4 $1,180,000 $295,000 $5,130 3.28%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $1,170,000 $292,500 $8,748 3.56%
RALEIGH-CARY, NC (FHA|USDA|VA) 6 $1,160,000 $193,333 $4,357 2.97%
Centralia, WA (FHA|USDA|VA) 5 $1,155,000 $231,000 $6,165 2.89%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $1,130,000 $188,333 $5,522 2.96%
ST. GEORGE, UT (FHA|USDA|VA) 4 $1,110,000 $277,500 $3,353 2.26%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $1,090,000 $545,000 $6,845 2.50%
CEDAR RAPIDS, IA (FHA|USDA|VA) 5 $1,005,000 $201,000 $5,867 3.38%
ALBANY, GA (FHA|USDA|VA) 6 $1,000,000 $166,667 $4,761 3.63%
DULUTH, MN-WI (FHA|USDA|VA) 4 $970,000 $242,500 $4,965 3.00%
Storm Lake, IA (FHA|USDA|VA) 4 $890,000 $222,500 $4,823 2.97%
KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $875,000 $175,000 $4,616 2.98%
Clearlake, CA (FHA|USDA|VA) 3 $875,000 $291,667 $5,678 3.58%
Sonora, CA (FHA|USDA|VA) 4 $860,000 $215,000 $8,788 3.16%
THE VILLAGES, FL (FHA|USDA|VA) 5 $855,000 $171,000 $5,371 3.38%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 5 $845,000 $169,000 $4,650 3.45%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $835,000 $167,000 $5,287 3.35%
UTICA-ROME, NY (FHA|USDA|VA) 6 $830,000 $138,333 $4,519 3.08%
Pella, IA (FHA|USDA|VA) 6 $800,000 $133,333 $3,472 3.13%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $795,000 $265,000 $6,589 2.58%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $790,000 $197,500 $6,539 3.09%
McMinnville, TN (FHA|USDA|VA) 3 $765,000 $255,000 $10,881 3.58%
BILLINGS, MT (FHA|USDA|VA) 2 $760,000 $380,000 $13,281 3.19%
Port Angeles, WA (FHA|USDA|VA) 3 $745,000 $248,333 $4,080 3.38%
Hermiston-Pendleton, OR (FHA|USDA|VA) 3 $715,000 $238,333 $6,282 3.38%
GAINESVILLE, FL (FHA|USDA|VA) 3 $715,000 $238,333 $9,393 3.38%
JACKSON, MI (FHA|USDA|VA) 3 $675,000 $225,000 $2,829 3.17%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 4 $670,000 $167,500 $3,492 3.53%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $650,000 $325,000 $10,091 3.88%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $645,000 $215,000 $1,956 2.87%
Marinette, WI-MI (FHA|USDA|VA) 5 $635,000 $127,000 $3,406 3.35%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $635,000 $211,667 $4,957 3.50%
Fernley, NV (FHA|USDA|VA) 3 $635,000 $211,667 $4,662 3.00%
ROCHESTER, NY (FHA|USDA|VA) 3 $625,000 $208,333 $8,045 2.67%
COLUMBIA, SC (FHA|USDA|VA) 4 $620,000 $155,000 $7,121 3.22%
SPRINGFIELD, OH (FHA|USDA|VA) 3 $595,000 $198,333 $6,539 3.42%
Owatonna, MN (FHA|USDA|VA) 3 $595,000 $198,333 $6,403 2.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $585,000 $195,000 $5,206 2.91%
ROCKFORD, IL (FHA|USDA|VA) 4 $580,000 $145,000 $4,519 3.66%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $580,000 $290,000 $4,440 3.25%
ASHEVILLE, NC (FHA|USDA|VA) 2 $560,000 $280,000 $4,096 3.25%
Shawano, WI (FHA|USDA|VA) 2 $560,000 $280,000 $3,573 2.69%
Adrian, MI (FHA|USDA|VA) 3 $555,000 $185,000 $4,520 3.13%
Chillicothe, OH (FHA|USDA|VA) 3 $555,000 $185,000 $3,369 3.67%
Shelbyville, TN (FHA|USDA|VA) 2 $550,000 $275,000 $10,063 3.56%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $545,000 $181,667 $9,983 3.46%
Breckenridge, CO (FHA|USDA|VA) 1 $545,000 $545,000 $3,329 1.99%
Marshalltown, IA (FHA|USDA|VA) 5 $535,000 $107,000 $4,178 3.33%
Richmond-Berea, KY (FHA|USDA|VA) 3 $535,000 $178,333 $6,820 3.58%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $515,000 $515,000 $18,359 2.99%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $510,000 $255,000 $9,228 3.06%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $510,000 $255,000 $3,384 2.87%
SANTA FE, NM (FHA|USDA|VA) 2 $500,000 $250,000 $9,868 3.06%
Glenwood Springs, CO (FHA|USDA|VA) 2 $480,000 $240,000 $3,156 2.75%
Outside of Metro Areas 2 $480,000 $240,000 $5,873 2.88%
Hannibal, MO (FHA|USDA|VA) 2 $480,000 $240,000 $2,593 2.63%
OCALA, FL (FHA|USDA|VA) 4 $470,000 $117,500 $4,081 3.06%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $470,000 $235,000 $6,577 2.81%
LaGrange, GA-AL (FHA|USDA|VA) 3 $465,000 $155,000 $3,510 3.13%
MEDFORD, OR (FHA|USDA|VA) 2 $460,000 $230,000 $9,988 3.13%
TOLEDO, OH (FHA|USDA|VA) 3 $445,000 $148,333 $3,380 3.33%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $440,000 $220,000 $5,936 3.50%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $440,000 $220,000 $6,359 3.44%
PUEBLO, CO (FHA|USDA|VA) 2 $430,000 $215,000 $7,787 4.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $425,000 $141,667 $5,359 2.79%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $425,000 $425,000 $6,494 3.25%
Morehead City, NC (FHA|USDA|VA) 1 $425,000 $425,000 $2,673 3.25%
Arcadia, FL (FHA|USDA|VA) 3 $415,000 $138,333 $7,415 3.83%
Mount Vernon, OH (FHA|USDA|VA) 2 $410,000 $205,000 $6,020 3.56%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $395,000 $395,000 $6,734 3.00%
Marion, OH (FHA|USDA|VA) 2 $390,000 $195,000 $6,407 2.50%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $390,000 $195,000 $2,829 2.88%
Pahrump, NV (FHA|USDA|VA) 2 $390,000 $195,000 $5,684 3.94%
JACKSON, TN (FHA|USDA|VA) 1 $385,000 $385,000 $9,467 3.25%
FORT COLLINS, CO (FHA|USDA|VA) 1 $385,000 $385,000 $5,230 3.38%
AKRON, OH (FHA|USDA|VA) 3 $385,000 $128,333 $4,325 3.17%
Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $370,000 $185,000 $5,164 3.25%
IOWA CITY, IA (FHA|USDA|VA) 2 $360,000 $180,000 $6,506 2.75%
JOPLIN, MO (FHA|USDA|VA) 3 $355,000 $118,333 $2,768 3.21%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $345,000 $345,000 $4,597 3.38%
ST. CLOUD, MN (FHA|USDA|VA) 2 $340,000 $170,000 $6,380 2.94%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $340,000 $85,000 $3,858 3.09%
Menomonie, WI (FHA|USDA|VA) 2 $340,000 $170,000 $2,826 3.25%
Ellensburg, WA (FHA|USDA|VA) 1 $335,000 $335,000 $12,685 2.38%
BANGOR, ME (FHA|USDA|VA) 1 $335,000 $335,000 $10,373 2.88%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $330,000 $165,000 $5,028 3.19%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $315,000 $315,000 $2,863 2.75%
Lumberton, NC (FHA|USDA|VA) 1 $315,000 $315,000 $10,810 3.13%
Oneonta, NY (FHA|USDA|VA) 2 $310,000 $155,000 $4,363 3.44%
NILES, MI (FHA|USDA|VA) 2 $310,000 $155,000 $6,204 3.63%
LONGVIEW, WA (FHA|USDA|VA) 1 $305,000 $305,000 $12,020 3.38%
Rutland, VT (FHA|USDA|VA) 1 $305,000 $305,000 $5,606 2.38%
Vicksburg, MS (FHA|USDA|VA) 1 $305,000 $305,000 $9,578 3.50%
LOGAN, UT-ID (FHA|USDA|VA) 1 $295,000 $295,000 $0 2.06%
Batavia, NY (FHA|USDA|VA) 1 $295,000 $295,000 $6,479 2.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $295,000 $295,000 $5,161 3.38%
Klamath Falls, OR (FHA|USDA|VA) 2 $290,000 $145,000 $5,208 3.13%
Roseburg, OR (FHA|USDA|VA) 2 $290,000 $145,000 $4,164 2.75%
Fergus Falls, MN (FHA|USDA|VA) 1 $285,000 $285,000 $15,045 2.88%
West Point, MS (FHA|USDA|VA) 1 $285,000 $285,000 $10,087 3.13%
Astoria, OR (FHA|USDA|VA) 1 $285,000 $285,000 $4,563 3.25%
Lebanon, NH-VT (FHA|USDA|VA) 1 $275,000 $275,000 $13,957 3.75%
Brainerd, MN (FHA|USDA|VA) 1 $275,000 $275,000 $7,263 2.75%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $275,000 $275,000 $8,137 3.00%
GAINESVILLE, GA (FHA|USDA|VA) 1 $275,000 $275,000 $14,372 3.75%
FARGO, ND-MN (FHA|USDA|VA) 1 $265,000 $265,000 $13,266 2.50%
Hillsdale, MI (FHA|USDA|VA) 1 $265,000 $265,000 $3,446 2.50%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $260,000 $130,000 $4,966 4.31%
Red Bluff, CA (FHA|USDA|VA) 2 $260,000 $130,000 $4,203 2.68%
Ottumwa, IA (FHA|USDA|VA) 3 $245,000 $81,667 $4,682 3.67%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $245,000 $245,000 $4,109 2.88%
Sterling, IL (FHA|USDA|VA) 2 $240,000 $120,000 $4,610 3.75%
KNOXVILLE, TN (FHA|USDA|VA) 1 $235,000 $235,000 $4,918 3.38%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $235,000 $235,000 $3,934 3.00%
Susanville, CA (FHA|USDA|VA) 1 $235,000 $235,000 $11,756 3.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $230,000 $115,000 $4,504 3.56%
Beaver Dam, WI (FHA|USDA|VA) 2 $230,000 $115,000 $6,055 3.50%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $230,000 $115,000 $2,683 3.31%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $225,000 $225,000 $4,933 3.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $225,000 $225,000 $13,209 3.75%
Fairfield, IA (FHA|USDA|VA) 1 $225,000 $225,000 $7,367 2.75%
ERIE, PA (FHA|USDA|VA) 2 $220,000 $110,000 $7,407 4.19%
Oskaloosa, IA (FHA|USDA|VA) 2 $220,000 $110,000 $2,560 2.69%
MUSKEGON, MI (FHA|USDA|VA) 1 $215,000 $215,000 $11,991 3.75%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $215,000 $215,000 $2,250 2.88%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $215,000 $215,000 $3,248 3.38%
Henderson, NC (FHA|USDA|VA) 1 $215,000 $215,000 $10,847 3.75%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $205,000 $205,000 $4,708 3.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $205,000 $205,000 $5,913 2.75%
JACKSON, MS (FHA|USDA|VA) 1 $205,000 $205,000 $11,145 3.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $205,000 $205,000 $11,063 4.00%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,507 4.00%
VISALIA, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,743 2.75%
Lewisburg, TN (FHA|USDA|VA) 2 $190,000 $95,000 $3,687 2.88%
BINGHAMTON, NY (FHA|USDA|VA) 2 $190,000 $95,000 $5,558 2.56%
Red Wing, MN (FHA|USDA|VA) 1 $185,000 $185,000 $3,068 2.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $3,975 2.88%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $175,000 $175,000 $0 1.88%
Moses Lake, WA (FHA|USDA|VA) 1 $175,000 $175,000 $7,115 3.25%
Platteville, WI (FHA|USDA|VA) 2 $170,000 $85,000 $5,316 3.38%
WACO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,923 4.00%
Burlington, IA-IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,152 2.75%
Okeechobee, FL (FHA|USDA|VA) 1 $165,000 $165,000 $9,654 3.75%
Cadillac, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,523 3.13%
Central City, KY (FHA|USDA|VA) 1 $165,000 $165,000 $3,548 3.38%
SPARTANBURG, SC (FHA|USDA|VA) 1 $165,000 $165,000 $6,480 2.75%
BATON ROUGE, LA (FHA|USDA|VA) 1 $155,000 $155,000 $7,555 2.88%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $155,000 $155,000 $9,599 3.75%
Coos Bay, OR (FHA|USDA|VA) 1 $155,000 $155,000 $3,565 2.99%
MANSFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,833 4.50%
Sanford, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,909 3.75%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $155,000 $155,000 $2,553 3.13%
Clewiston, FL (FHA|USDA|VA) 1 $155,000 $155,000 $7,117 3.50%
Orangeburg, SC (FHA|USDA|VA) 1 $155,000 $155,000 $3,588 3.63%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,048 2.99%
Show Low, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $3,012 2.88%
LANCASTER, PA (FHA|USDA|VA) 1 $145,000 $145,000 $4,883 3.13%
Pullman, WA (FHA|USDA|VA) 1 $145,000 $145,000 $4,506 3.88%
Taos, NM (FHA|USDA|VA) 1 $145,000 $145,000 $6,032 3.50%
FOND DU LAC, WI (FHA|USDA|VA) 1 $145,000 $145,000 $7,783 3.75%
CLEVELAND, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,378 3.38%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,159 3.13%
Baraboo, WI (FHA|USDA|VA) 1 $135,000 $135,000 $1,965 2.88%
Crawfordsville, IN (FHA|USDA|VA) 1 $135,000 $135,000 $3,936 2.75%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,844 3.25%
Athens, TN (FHA|USDA|VA) 1 $125,000 $125,000 $5,975 2.75%
ALTOONA, PA (FHA|USDA|VA) 1 $125,000 $125,000 $5,883 3.25%
Hutchinson, MN (FHA|USDA|VA) 1 $125,000 $125,000 $4,492 2.38%
Cookeville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $4,479 2.75%
Great Bend, KS (FHA|USDA|VA) 1 $125,000 $125,000 $3,104 3.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,340 2.88%
GLENS FALLS, NY (FHA|USDA|VA) 1 $115,000 $115,000 $2,929 2.25%
Seneca Falls, NY (FHA|USDA|VA) 1 $115,000 $115,000 $2,586 2.75%
Plattsburgh, NY (FHA|USDA|VA) 1 $115,000 $115,000 $7,018 3.75%
Coldwater, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,575 3.50%
Othello, WA (FHA|USDA|VA) 1 $115,000 $115,000 $3,801 3.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $105,000 $105,000 $4,108 4.13%
CaƱon City, CO (FHA|USDA|VA) 1 $105,000 $105,000 $3,470 2.75%
Fairmont, MN (FHA|USDA|VA) 1 $105,000 $105,000 $7,796 3.75%
Norwalk, OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,854 2.88%
Coshocton, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.13%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $3,739 2.88%
Gloversville, NY (FHA|USDA|VA) 1 $75,000 $75,000 $5,551 4.13%
FLORENCE, SC (FHA|USDA|VA) 1 $75,000 $75,000 $4,341 3.38%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $65,000 $65,000 $3,353 2.99%
EL PASO, TX (FHA|USDA|VA) 1 $65,000 $65,000 $2,860 3.25%
GREENVILLE, NC (FHA|USDA|VA) 1 $65,000 $65,000 $3,973 3.25%
Malone, NY (FHA|USDA|VA) 1 $55,000 $55,000 $2,470 3.99%
SUMTER, SC (FHA|USDA|VA) 1 $45,000 $45,000 $4,082 3.88%

Land Home Financial Services 's top markets include San Francisco, Sacramento, San Jose, Urban Honolulu, and Des Moines among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 5,406 $1,668,030,000 $308,552 $5,012 3.06%
FHA 1,425 $340,245,000 $238,768 $10,164 3.32%
VA 421 $169,015,000 $401,461 $10,286 2.77%
USDA 28 $5,380,000 $192,143 $5,843 2.86%

For the 2021 period, Land Home Financial Services 's most frequently originated loan type of loans were Conventional, with 5,406 originations. Their 2nd most popular type is FHA, with 1,425 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 3,266 $944,100,000 $289,069 $7,741 3.28%
Refi 2,496 $754,110,000 $302,127 $4,741 2.86%
Cash Out Refi 1,383 $446,475,000 $322,831 $5,693 3.09%
Other 135 $37,985,000 $281,370 $4,673 2.70%

For the 2021, Land Home Financial Services 's most frequently cited loan purpose of loans were Home Purchase, with 3,266 originations. The 2nd most popular reason of loans were Refi, with 2,496 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 6,223 $1,929,365,000 $310,038 $6,605 3.18%
15 Year 639 $151,505,000 $237,097 $4,121 2.46%
20 Year 222 $52,510,000 $236,532 $4,515 2.96%
Other 152 $41,110,000 $270,461 $4,413 2.51%
10 Year 44 $8,180,000 $185,909 $3,525 2.34%

For the 2021, Land Home Financial Services 's most frequently cited loan length of loans were 30 Year, with 6,223 originations. The 2nd most popular length of loans were 15 Year, with 639 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 7,191 $2,157,415,000 $300,016

$6,605 of loans were Land Home Financial Services 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 7,191 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 3,488 $1,022,680,000 $293,200
2.5-3% 2,675 $844,055,000 $315,535
<2.5% 970 $278,760,000 $287,381
4-5% 143 $35,535,000 $248,497
5-6% 2 $910,000 $455,000
6-7% 1 $135,000 $135,000

During 2021, Land Home Financial Services 's average interest rate of loans were 3.18%, while their most frequently originated rate bucket of loans were 3-4%, with 3,488 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 3,278 $931,680,000 $284,222 $6,470 3.10%
$100k-200k 2,077 $318,665,000 $153,426 $4,862 3.13%
$400k-600k 1,175 $565,205,000 $481,026 $7,169 3.03%
$600k-1MM 388 $284,140,000 $732,320 $9,890 3.04%
$100,000 or less 315 $25,355,000 $80,492 $3,583 3.07%
$1MM+ 47 $57,625,000 $1,226,064 $21,845 2.94%

2021 saw Land Home Financial Services place emphasis on $200k-400k loans with 3,278 originations, totaling $931,680,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 1,726 $402,320,000 $233,094 $6,351 3.16%
$100k-150k 1,407 $515,615,000 $366,464 $6,463 3.07%
$75k-100k 1,354 $399,430,000 $295,000 $6,451 3.15%
$50k or less 1,302 $213,050,000 $163,633 $5,321 3.13%
$150k-250k 890 $389,520,000 $437,663 $6,378 3.00%
$250k+ 308 $176,040,000 $571,558 $7,618 2.95%

Land Home Financial Services lent most frequently to those with incomes in the $50k-75k range, with 1,726 originations. The second most popular income band? $100k-150k, with 1,407 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,259 $355,155,000 $282,093 $4,910 2.98%
30-36% 1,194 $358,150,000 $299,958 $5,556 3.08%
<20% 420 $114,330,000 $272,214 $4,692 2.81%
44% 365 $110,755,000 $303,438 $7,088 3.21%
42% 318 $102,170,000 $321,289 $6,622 3.16%
49% 316 $104,050,000 $329,272 $8,297 3.23%
41% 310 $90,100,000 $290,645 $6,318 3.21%
43% 308 $91,620,000 $297,468 $6,819 3.21%
40% 301 $90,395,000 $300,316 $6,294 3.18%
39% 277 $88,385,000 $319,079 $6,144 3.13%
45% 268 $85,390,000 $318,619 $7,172 3.20%
37% 260 $78,670,000 $302,577 $6,430 3.17%
38% 250 $72,580,000 $290,320 $5,930 3.23%
36% 236 $67,880,000 $287,627 $5,767 3.11%
46% 229 $71,925,000 $314,083 $7,064 3.21%
48% 213 $65,725,000 $308,568 $7,407 3.20%
50-60% 212 $66,390,000 $313,160 $12,119 3.29%
47% 211 $69,175,000 $327,844 $7,707 3.19%
>60% 27 $10,075,000 $373,148 $18,331 2.33%

Land Home Financial Services lent most frequently to those with DTI ratios of 20-30%, with 1,259 originations. The next most common DTI ratio? 30-36%, with 1,194 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 5,230 $1,542,220,000 $294,880 $5,791 3.07%
Not provided 747 $238,385,000 $319,123 $6,801 3.08%
Asian 483 $180,215,000 $373,116 $7,312 2.99%
Black 668 $173,890,000 $260,314 $8,427 3.33%
Native Hawaiian 45 $16,895,000 $375,444 $8,914 2.85%
American Indian 55 $13,705,000 $249,182 $5,861 3.03%
Not applicable 23 $5,495,000 $238,913 $9,971 4.00%
Chinese 6 $2,920,000 $486,667 $9,857 3.29%
Other Pacific Islander 6 $2,110,000 $351,667 $10,844 2.94%
Filipino 4 $1,870,000 $467,500 $14,212 2.84%
Asian Indian 4 $1,830,000 $457,500 $5,370 3.28%
Other Asian 5 $1,565,000 $313,000 $3,765 3.12%
Samoan 1 $545,000 $545,000 $5,110 2.75%
Guamanian 1 $405,000 $405,000 $4,166 2.99%
Vietnamese 1 $345,000 $345,000 $4,969 2.88%
Native Hawiian 1 $275,000 $275,000 $3,228 3.25%

Approval Rates

Total approvals of all applications
92.06%

Land Home Financial Services has an average approval rate.

Pick Rate

Approvals leading to origination
60.21%

Land Home Financial Services 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
NA 7,280 $2,182,670,000 $299,817

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
7,280 $2,182,670,000 $299,817

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 442 $124,450,000 $281,561 $4,248 2.74%
40-60% 1,271 $401,105,000 $315,582 $4,493 2.82%
60-80% 2,301 $736,665,000 $320,150 $5,407 3.11%
80-100% 3,129 $866,375,000 $276,886 $7,561 3.24%
Over 100% 87 $43,145,000 $495,920 $19,848 2.82%
Under 20% 50 $10,930,000 $218,600 $3,605 2.78%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
LAND HOME FINANCIAL SERVICES Conventional home mortgage Closing on a mortgage 2 12.5%
LAND HOME FINANCIAL SERVICES Conventional home mortgage Struggling to pay mortgage 5 31.3%
LAND HOME FINANCIAL SERVICES Conventional home mortgage Trouble during payment process 1 6.3%
LAND HOME FINANCIAL SERVICES FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.3%
LAND HOME FINANCIAL SERVICES FHA mortgage Problem with a credit reporting company's investigation into an existing problem 1 6.3%
LAND HOME FINANCIAL SERVICES FHA mortgage Struggling to pay mortgage 1 6.3%
LAND HOME FINANCIAL SERVICES FHA mortgage Trouble during payment process 2 12.5%
LAND HOME FINANCIAL SERVICES Other type of mortgage Trouble during payment process 1 6.3%
LAND HOME FINANCIAL SERVICES VA mortgage Struggling to pay mortgage 1 6.3%
LAND HOME FINANCIAL SERVICES VA mortgage Trouble during payment process 1 6.3%