Land Home Financial Services Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493006RIR31ORKYB608

Tax ID: 68-0151632

1.9 stars - Updated: 2/19/24 - out of 5 stars, based on 52 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Land Home Financial Services is a smaller mortgage company specializing in Home Purchase loans. Land Home Financial Services 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: San Francisco, Urban Honolulu, Des Moines, Sacramento, and Tampa among others. We have data for 264 markets. (Some data included below & more in-depth data is available with an active subscription.)

Land Home Financial Services 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. Land Home Financial Services 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.96% 2/19/24
30 Year Conventional Refi 6.79% 2/19/24
30 Year Cash-out Refi 6.97% 2/19/24
30 Year FHA Purchase 7.73% 2/19/24
30 Year FHA Refi 7.52% 2/19/24
30 Year VA Purchase 6.46% 2/19/24
30 Year VA Refi 6.60% 2/19/24
30 Year USDA Purchase 6.94% 2/19/24
15 Year Conventional Purchase 6.32% 2/19/24
15 Year Conventional Refi 6.18% 2/19/24
15 Year Cash-out Refi 6.18% 2/19/24
15 Year FHA Refi 5.68% 2/19/24
15 Year VA Refi 5.68% 2/19/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Land Home Financial Services Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Land Home Financial Services. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,749

Origination Dollar Volume (All Markets)

$806,315,000
Show all (7) awards

Relative Rate

Land Home Financial Services's average 30 year fixed mortgage rate was 5.11%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.35%.

Relative Fees (Closing Costs)

Land Home Financial Services's average total fees/closing costs for a 30 year fixed rate mortgage were $8,522.

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

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
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 106 $57,670,000 $544,057 $9,088 4.66%
Outside of Metro Areas 241 $53,355,000 $221,390 $5,897 5.12%
URBAN HONOLULU, HI (FHA|USDA|VA) 83 $50,495,000 $608,373 $20,035 4.40%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 189 $39,125,000 $207,011 $5,579 4.65%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 103 $39,015,000 $378,786 $7,984 4.57%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 127 $36,405,000 $286,654 $8,549 4.95%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 50 $31,280,000 $625,600 $12,979 4.98%
STOCKTON, CA (FHA|USDA|VA) 46 $19,170,000 $416,739 $9,944 4.95%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 84 $18,440,000 $219,524 $6,944 5.02%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 49 $13,665,000 $278,878 $10,984 4.97%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 38 $13,550,000 $356,579 $12,020 4.76%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 40 $12,220,000 $305,500 $9,856 4.96%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 40 $11,740,000 $293,500 $9,155 5.47%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 35 $11,155,000 $318,714 $7,830 4.94%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 14 $11,020,000 $787,143 $17,035 4.15%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 24 $10,940,000 $455,833 $12,027 4.83%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 35 $10,705,000 $305,857 $9,483 4.82%
MERCED, CA (FHA|USDA|VA) 30 $10,160,000 $338,667 $8,900 5.29%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 31 $9,645,000 $311,129 $8,857 4.56%
MODESTO, CA (FHA|USDA|VA) 26 $9,480,000 $364,615 $9,737 4.91%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 32 $9,290,000 $290,313 $9,146 4.84%
Austin, MN (FHA|USDA|VA) 58 $9,260,000 $159,655 $6,463 5.26%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 36 $9,000,000 $250,000 $12,328 5.06%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 57 $8,515,000 $149,386 $7,236 5.34%
Hilo, HI (FHA|USDA|VA) 18 $7,560,000 $420,000 $13,597 4.36%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 33 $7,545,000 $228,636 $7,968 5.91%
EAU CLAIRE, WI (FHA|USDA|VA) 31 $7,515,000 $242,419 $6,329 5.86%
COLUMBUS, OH (FHA|USDA|VA) 36 $7,500,000 $208,333 $6,809 5.18%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 19 $7,395,000 $389,211 $10,778 4.33%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 22 $7,210,000 $327,727 $10,343 5.05%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 17 $7,205,000 $423,824 $11,492 4.98%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 17 $7,135,000 $419,706 $10,877 5.35%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 36 $7,080,000 $196,667 $7,695 5.14%
VALLEJO, CA (FHA|USDA|VA) 16 $7,060,000 $441,250 $11,078 4.87%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 18 $6,940,000 $385,556 $9,336 4.38%
ST. LOUIS, MO-IL (FHA|USDA|VA) 34 $6,810,000 $200,294 $4,984 5.11%
PUNTA GORDA, FL (FHA|USDA|VA) 26 $6,480,000 $249,231 $7,118 5.03%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 40 $6,460,000 $161,500 $5,596 5.19%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 24 $6,390,000 $266,250 $11,320 4.89%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 24 $6,280,000 $261,667 $8,981 5.16%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 22 $6,120,000 $278,182 $9,637 5.57%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 19 $5,965,000 $313,947 $8,145 5.49%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 28 $5,950,000 $212,500 $6,343 5.52%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 15 $5,105,000 $340,333 $11,098 6.17%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 29 $5,025,000 $173,276 $6,851 5.41%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 23 $4,895,000 $212,826 $5,871 4.67%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 10 $4,580,000 $458,000 $6,508 5.43%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 17 $4,285,000 $252,059 $6,639 4.62%
WILMINGTON, NC (FHA|USDA|VA) 12 $4,010,000 $334,167 $4,629 4.36%
SALINAS, CA (FHA|USDA|VA) 9 $3,955,000 $439,444 $10,177 4.46%
AMES, IA (FHA|USDA|VA) 20 $3,660,000 $183,000 $5,568 4.83%
WAUSAU-WESTON, WI (FHA|USDA|VA) 19 $3,655,000 $192,368 $6,399 5.49%
GREEN BAY, WI (FHA|USDA|VA) 16 $3,330,000 $208,125 $5,309 6.11%
CHICO, CA (FHA|USDA|VA) 13 $3,255,000 $250,385 $6,551 5.91%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $3,185,000 $637,000 $13,106 5.34%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 13 $3,045,000 $234,231 $10,528 4.63%
PANAMA CITY, FL (FHA|USDA|VA) 11 $2,885,000 $262,273 $9,210 5.72%
FRESNO, CA (FHA|USDA|VA) 9 $2,775,000 $308,333 $9,380 5.36%
TUCSON, AZ (FHA|USDA|VA) 11 $2,505,000 $227,727 $8,357 5.73%
ALBANY, GA (FHA|USDA|VA) 14 $2,470,000 $176,429 $7,501 4.88%
MADERA, CA (FHA|USDA|VA) 7 $2,395,000 $342,143 $8,532 5.25%
GRAND JUNCTION, CO (FHA|USDA|VA) 9 $2,335,000 $259,444 $2,928 4.04%
MONROE, MI (FHA|USDA|VA) 12 $2,160,000 $180,000 $4,837 5.61%
PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $2,000,000 $333,333 $13,773 6.46%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $1,920,000 $320,000 $12,786 6.21%
Truckee-Grass Valley, CA (FHA|USDA|VA) 4 $1,910,000 $477,500 $10,651 3.63%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,795,000 $359,000 $8,812 4.50%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 8 $1,730,000 $216,250 $9,416 5.15%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $1,685,000 $337,000 $10,720 4.05%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 10 $1,650,000 $165,000 $5,018 5.23%
RACINE, WI (FHA|USDA|VA) 10 $1,640,000 $164,000 $7,251 5.48%
Albert Lea, MN (FHA|USDA|VA) 12 $1,610,000 $134,167 $5,921 5.10%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 7 $1,605,000 $229,286 $8,159 5.16%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $1,560,000 $780,000 $11,634 3.44%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,550,000 $775,000 $4,753 3.50%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,530,000 $255,000 $4,427 5.08%
Fort Dodge, IA (FHA|USDA|VA) 13 $1,525,000 $117,308 $4,277 5.26%
LEWISTON, ID-WA (FHA|USDA|VA) 6 $1,520,000 $253,333 $8,311 6.67%
MADISON, WI (FHA|USDA|VA) 6 $1,500,000 $250,000 $8,000 5.19%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $1,500,000 $250,000 $0 3.90%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $1,385,000 $277,000 $10,891 5.18%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 6 $1,380,000 $230,000 $7,231 6.15%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,260,000 $315,000 $20,286 4.83%
ROCHESTER, MN (FHA|USDA|VA) 5 $1,255,000 $251,000 $7,047 5.63%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,245,000 $415,000 $7,399 3.79%
Payson, AZ (FHA|USDA|VA) 5 $1,175,000 $235,000 $4,847 4.83%
ASHEVILLE, NC (FHA|USDA|VA) 3 $1,085,000 $361,667 $16,198 4.67%
GAINESVILLE, FL (FHA|USDA|VA) 5 $1,045,000 $209,000 $6,434 4.68%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $1,010,000 $505,000 $9,405 3.12%
MEDFORD, OR (FHA|USDA|VA) 2 $980,000 $490,000 $11,602 5.06%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $975,000 $195,000 $10,751 5.85%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $970,000 $485,000 $9,028 5.50%
Aberdeen, WA (FHA|USDA|VA) 4 $930,000 $232,500 $7,476 4.84%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $915,000 $305,000 $13,332 5.00%
THE VILLAGES, FL (FHA|USDA|VA) 3 $895,000 $298,333 $9,347 5.38%
Shelton, WA (FHA|USDA|VA) 3 $895,000 $298,333 $7,517 6.42%
REDDING, CA (FHA|USDA|VA) 3 $895,000 $298,333 $6,847 5.46%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 4 $870,000 $217,500 $8,092 6.78%
Winona, MN (FHA|USDA|VA) 5 $845,000 $169,000 $4,557 6.05%
Hermiston-Pendleton, OR (FHA|USDA|VA) 3 $845,000 $281,667 $5,285 4.63%
SAVANNAH, GA (FHA|USDA|VA) 4 $810,000 $202,500 $10,026 5.16%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $790,000 $395,000 $8,744 6.00%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $780,000 $390,000 $4,830 3.12%
Stevens Point, WI (FHA|USDA|VA) 4 $770,000 $192,500 $5,843 5.59%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $735,000 $735,000 $0 7.99%
SALEM, OR (FHA|USDA|VA) 3 $725,000 $241,667 $5,583 4.82%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $720,000 $360,000 $15,064 3.75%
Menomonie, WI (FHA|USDA|VA) 3 $705,000 $235,000 $7,470 4.92%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $690,000 $172,500 $6,651 4.06%
KNOXVILLE, TN (FHA|USDA|VA) 2 $680,000 $340,000 $6,030 5.56%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 5 $655,000 $131,000 $4,461 5.83%
APPLETON, WI (FHA|USDA|VA) 3 $655,000 $218,333 $3,890 5.96%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $630,000 $315,000 $7,510 4.56%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $625,000 $625,000 $7,690 5.99%
Brookings, OR (FHA|USDA|VA) 2 $620,000 $310,000 $8,640 4.28%
Shelbyville, TN (FHA|USDA|VA) 2 $620,000 $310,000 $5,675 3.63%
VISALIA, CA (FHA|USDA|VA) 1 $605,000 $605,000 $4,526 6.00%
Outside of Metro Areas 2 $600,000 $300,000 $9,932 6.56%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 2 $600,000 $300,000 $4,997 5.19%
Glenwood Springs, CO (FHA|USDA|VA) 1 $595,000 $595,000 $2,719 4.25%
GRANTS PASS, OR (FHA|USDA|VA) 2 $590,000 $295,000 $9,668 4.87%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $590,000 $295,000 $10,051 6.06%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $565,000 $188,333 $6,407 4.21%
Owatonna, MN (FHA|USDA|VA) 2 $540,000 $270,000 $7,158 4.38%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $535,000 $535,000 $6,333 7.38%
Marshalltown, IA (FHA|USDA|VA) 5 $525,000 $105,000 $4,255 5.43%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $515,000 $171,667 $6,601 5.63%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $505,000 $505,000 $5,533 6.50%
LONGVIEW, TX (FHA|USDA|VA) 2 $490,000 $245,000 $9,216 6.81%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $490,000 $245,000 $5,317 5.52%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $490,000 $245,000 $6,862 7.19%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $475,000 $475,000 $4,294 3.75%
DALTON, GA (FHA|USDA|VA) 2 $470,000 $235,000 $11,265 5.44%
Bellefontaine, OH (FHA|USDA|VA) 2 $470,000 $235,000 $11,813 4.63%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $470,000 $235,000 $4,335 4.06%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $460,000 $230,000 $10,768 5.25%
OCALA, FL (FHA|USDA|VA) 2 $450,000 $225,000 $8,096 3.75%
Mount Sterling, KY (FHA|USDA|VA) 1 $445,000 $445,000 $11,432 6.13%
SHEBOYGAN, WI (FHA|USDA|VA) 3 $445,000 $148,333 $3,669 6.08%
BRUNSWICK, GA (FHA|USDA|VA) 2 $440,000 $220,000 $8,093 5.75%
RENO, NV (FHA|USDA|VA) 1 $435,000 $435,000 $4,545 3.25%
Carroll, IA (FHA|USDA|VA) 2 $430,000 $215,000 $6,771 4.44%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $430,000 $215,000 $8,765 5.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $430,000 $215,000 $6,083 3.44%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $425,000 $425,000 $13,221 5.75%
McMinnville, TN (FHA|USDA|VA) 1 $425,000 $425,000 $12,227 4.50%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $420,000 $210,000 $6,499 4.44%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $415,000 $415,000 $12,169 4.63%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $410,000 $205,000 $8,792 5.00%
Brainerd, MN (FHA|USDA|VA) 1 $405,000 $405,000 $5,540 6.63%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $400,000 $200,000 $4,941 5.56%
Breckenridge, CO (FHA|USDA|VA) 1 $395,000 $395,000 $0 4.39%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $395,000 $395,000 $14,536 3.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $385,000 $385,000 $0 9.88%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $370,000 $185,000 $6,811 4.88%
CLEVELAND, TN (FHA|USDA|VA) 2 $370,000 $185,000 $7,510 5.94%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $365,000 $365,000 $10,175 4.50%
TOLEDO, OH (FHA|USDA|VA) 2 $360,000 $180,000 $6,845 6.75%
Urbana, OH (FHA|USDA|VA) 2 $360,000 $180,000 $3,883 3.94%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $355,000 $355,000 $6,233 6.50%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $350,000 $175,000 $7,495 5.63%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $350,000 $175,000 $9,150 4.75%
Forest City, NC (FHA|USDA|VA) 1 $345,000 $345,000 $3,537 3.25%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $345,000 $345,000 $5,334 2.75%
Oak Harbor, WA (FHA|USDA|VA) 1 $345,000 $345,000 $8,596 3.63%
YUBA CITY, CA (FHA|USDA|VA) 1 $345,000 $345,000 $33,450 5.38%
Pahrump, NV (FHA|USDA|VA) 1 $335,000 $335,000 $5,689 6.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $325,000 $325,000 $9,279 7.50%
Nogales, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $9,492 7.75%
Baraboo, WI (FHA|USDA|VA) 1 $315,000 $315,000 $4,608 5.88%
Jesup, GA (FHA|USDA|VA) 1 $315,000 $315,000 $13,336 6.99%
Cookeville, TN (FHA|USDA|VA) 1 $315,000 $315,000 $8,045 6.00%
Marinette, WI-MI (FHA|USDA|VA) 2 $310,000 $155,000 $6,046 5.19%
Boone, NC (FHA|USDA|VA) 1 $305,000 $305,000 $5,353 3.88%
CARSON CITY, NV (FHA|USDA|VA) 1 $295,000 $295,000 $4,374 5.75%
NAPA, CA (FHA|USDA|VA) 1 $295,000 $295,000 $4,857 5.50%
ST. GEORGE, UT (FHA|USDA|VA) 1 $295,000 $295,000 $0 6.00%
Sonora, CA (FHA|USDA|VA) 2 $290,000 $145,000 $5,580 4.00%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $285,000 $285,000 $4,692 5.63%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $285,000 $285,000 $8,991 6.00%
Las Vegas, NM (FHA|USDA|VA) 1 $285,000 $285,000 $6,463 4.75%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $275,000 $275,000 $14,160 5.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $275,000 $275,000 $7,907 6.88%
FOND DU LAC, WI (FHA|USDA|VA) 1 $265,000 $265,000 $15,290 5.50%
Lufkin, TX (FHA|USDA|VA) 1 $265,000 $265,000 $7,253 6.38%
Arcadia, FL (FHA|USDA|VA) 2 $260,000 $130,000 $4,992 4.56%
Tifton, GA (FHA|USDA|VA) 1 $255,000 $255,000 $4,155 3.75%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $255,000 $255,000 $12,924 5.25%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $245,000 $245,000 $10,401 5.50%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $245,000 $245,000 $9,287 5.25%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $240,000 $120,000 $6,193 4.25%
Pella, IA (FHA|USDA|VA) 2 $240,000 $120,000 $4,512 5.25%
Brookings, SD (FHA|USDA|VA) 1 $235,000 $235,000 $9,605 5.50%
Montrose, CO (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.65%
DOVER, DE (FHA|USDA|VA) 1 $225,000 $225,000 $7,604 6.00%
Centralia, WA (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.61%
Richmond-Berea, KY (FHA|USDA|VA) 1 $225,000 $225,000 $8,038 4.25%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $220,000 $110,000 $4,703 6.00%
Clewiston, FL (FHA|USDA|VA) 1 $215,000 $215,000 $11,793 4.63%
Fallon, NV (FHA|USDA|VA) 1 $215,000 $215,000 $8,592 3.38%
Lake City, FL (FHA|USDA|VA) 1 $215,000 $215,000 $10,244 5.75%
Seneca Falls, NY (FHA|USDA|VA) 1 $215,000 $215,000 $5,546 3.88%
WALLA WALLA, WA (FHA|USDA|VA) 1 $205,000 $205,000 $5,033 6.88%
Paris, TN (FHA|USDA|VA) 1 $205,000 $205,000 $3,248 6.25%
LaGrange, GA-AL (FHA|USDA|VA) 1 $205,000 $205,000 $2,877 6.50%
Sanford, NC (FHA|USDA|VA) 1 $195,000 $195,000 $10,665 4.75%
STAUNTON, VA (FHA|USDA|VA) 1 $195,000 $195,000 $9,413 6.38%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $185,000 $185,000 $7,458 6.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $185,000 $185,000 $7,664 6.50%
Zanesville, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,800 5.88%
ROCHESTER, NY (FHA|USDA|VA) 1 $175,000 $175,000 $10,289 3.75%
LAREDO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $11,322 3.50%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $175,000 $175,000 $11,195 3.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $175,000 $175,000 $10,648 5.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $175,000 $175,000 $10,450 4.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $175,000 $175,000 $6,086 4.88%
Oskaloosa, IA (FHA|USDA|VA) 1 $165,000 $165,000 $3,374 5.50%
ROCKFORD, IL (FHA|USDA|VA) 1 $165,000 $165,000 $5,245 3.25%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $8,550 4.50%
Moberly, MO (FHA|USDA|VA) 1 $165,000 $165,000 $3,951 6.50%
Mount Vernon, OH (FHA|USDA|VA) 1 $165,000 $165,000 $6,064 6.25%
Wilson, NC (FHA|USDA|VA) 1 $165,000 $165,000 $7,187 6.25%
BATON ROUGE, LA (FHA|USDA|VA) 1 $165,000 $165,000 $6,875 6.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $165,000 $165,000 $4,998 4.50%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,863 6.38%
Crossville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $4,859 7.00%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $6,298 7.38%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $155,000 $155,000 $4,081 3.25%
Shelby, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,458 6.63%
COLUMBIA, SC (FHA|USDA|VA) 1 $155,000 $155,000 $10,308 4.75%
DULUTH, MN-WI (FHA|USDA|VA) 1 $145,000 $145,000 $6,727 7.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,999 4.88%
Summerville, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,504 7.25%
Fairmont, MN (FHA|USDA|VA) 1 $145,000 $145,000 $9,329 3.75%
Gloversville, NY (FHA|USDA|VA) 1 $135,000 $135,000 $4,734 3.88%
FLORENCE, SC (FHA|USDA|VA) 1 $135,000 $135,000 $6,771 4.00%
Fernley, NV (FHA|USDA|VA) 1 $135,000 $135,000 $3,281 2.38%
BINGHAMTON, NY (FHA|USDA|VA) 1 $125,000 $125,000 $7,526 6.13%
Farmington, MO (FHA|USDA|VA) 1 $125,000 $125,000 $5,820 3.25%
Athens, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,376 6.13%
GADSDEN, AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,093 4.00%
Burlington, IA-IL (FHA|USDA|VA) 1 $125,000 $125,000 $6,729 5.50%
JACKSON, TN (FHA|USDA|VA) 1 $125,000 $125,000 $3,196 4.13%
Chillicothe, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,150 6.63%
DuBois, PA (FHA|USDA|VA) 1 $125,000 $125,000 $7,822 5.75%
Shawano, WI (FHA|USDA|VA) 1 $115,000 $115,000 $3,600 5.88%
Oneonta, NY (FHA|USDA|VA) 1 $115,000 $115,000 $5,379 4.13%
LOUISVILLE, KY (FHA|USDA|VA) 1 $115,000 $115,000 $3,803 4.88%
Ashland, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,915 7.50%
Thomaston, GA (FHA|USDA|VA) 1 $105,000 $105,000 $7,049 6.25%
Winnemucca, NV (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.74%
Manitowoc, WI (FHA|USDA|VA) 1 $105,000 $105,000 $3,140 5.88%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,534 5.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $105,000 $105,000 $5,444 6.50%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,332 3.38%
Brownsville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $4,887 6.75%
Platteville, WI (FHA|USDA|VA) 1 $85,000 $85,000 $5,431 7.38%
Martin, TN (FHA|USDA|VA) 1 $75,000 $75,000 $3,119 4.50%
LUBBOCK, TX (FHA|USDA|VA) 1 $75,000 $75,000 $5,222 7.13%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $75,000 $75,000 $4,334 7.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $75,000 $75,000 $4,825 6.63%
JACKSON, MI (FHA|USDA|VA) 1 $65,000 $65,000 $2,764 5.50%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,141 4.00%
Union City, TN (FHA|USDA|VA) 1 $55,000 $55,000 $3,606 7.63%
Land Home Financial Services's top markets include San Francisco, Urban Honolulu, Des Moines, Sacramento, and Tampa among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Hawaii (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,766 $512,810,000 $290,379 $6,700 5.01%
    FHA 660 $162,020,000 $245,485 $10,864 5.19%
    VA 205 $94,075,000 $458,902 $14,429 4.78%
    FHA 99 $33,935,000 $342,778 $0 4.87%
    USDA 19 $3,475,000 $182,895 $6,455 4.87%

    For 2022, Land Home Financial Services's most frequently originated type of loan was Conventional, with 1,766 originations. Their 2nd most popular type was FHA, with 660 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,024 $589,040,000 $291,028 $8,620 5.26%
    Cash Out Refi 375 $115,485,000 $307,960 $7,857 4.53%
    Refi 244 $67,900,000 $278,279 $7,007 4.04%
    Other 106 $33,890,000 $319,717 $6,252 4.72%

    For 2022, Land Home Financial Services's most frequently cited loan purpose was Home Purchase, with 2,024 originations. The 2nd most popular reason was Cash Out Refi, with 375 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,504 $741,100,000 $295,966 $8,522 5.11%
    Other 106 $36,460,000 $343,962 $6,069 4.87%
    15 Year 96 $20,020,000 $208,542 $4,920 3.44%
    20 Year 40 $8,450,000 $211,250 $5,441 4.28%
    10 Year 3 $285,000 $95,000 $3,964 3.00%

    For 2022, Land Home Financial Services's most frequently cited loan duration was 30 Year, with 2,504 originations. The 2nd most popular length was Other, with 106 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 768 $318,120,000 $414,219
    $1k-2k 617 $143,385,000 $232,391
    $2k-3k 517 $116,605,000 $225,542
    $3k-4k 420 $103,750,000 $247,024
    $4k-5k 279 $78,405,000 $281,022
    $<1k 40 $8,000,000 $200,000

    Land Home Financial Services's average total fees were $8,522, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 768 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 824 $239,140,000 $290,218
    3-4% 647 $196,175,000 $303,207
    4-5% 601 $175,445,000 $291,922
    6-7% 408 $116,410,000 $285,319
    7-8% 151 $40,585,000 $268,775
    2.5-3% 90 $30,530,000 $339,222
    <2.5% 21 $5,255,000 $250,238
    Over 8% 7 $2,775,000 $396,429

    During 2022, Land Home Financial Services's average interest rate for loans was 5.11%, while their most frequently originated rate bucket for loans was 5-6%, with 824 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,240 $355,690,000 $286,847 $8,508 5.03%
    $100k-200k 849 $130,065,000 $153,198 $5,675 5.07%
    $400k-600k 356 $170,150,000 $477,949 $10,942 4.94%
    $600k-1MM 149 $109,185,000 $732,785 $16,820 4.91%
    $100,000 or less 132 $10,300,000 $78,030 $4,294 5.13%
    $1MM+ 23 $30,925,000 $1,344,565 $28,856 4.76%

    2022 saw Land Home Financial Services place emphasis on $200k-400k loans with 1,240 originations, totaling $355,690,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 729 $158,485,000 $217,401 $7,135 4.99%
    $100k-150k 559 $203,395,000 $363,855 $9,629 5.08%
    $50k or less 545 $95,625,000 $175,459 $5,874 4.89%
    $75k-100k 522 $150,850,000 $288,985 $8,450 5.13%
    $150k-250k 280 $134,790,000 $481,393 $11,606 5.07%
    $250k+ 89 $56,565,000 $635,562 $11,786 4.94%

    Land Home Financial Services lent most frequently to those with incomes in the $50k-75k range, with 729 originations. The second most popular income band? $100k-150k, with 559 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 394 $105,720,000 $268,325 $7,057 4.88%
    20-30% 303 $74,595,000 $246,188 $6,391 4.85%
    50-60% 181 $61,065,000 $337,376 $12,926 5.30%
    49% 177 $55,525,000 $313,701 $9,437 5.18%
    44% 164 $48,120,000 $293,415 $8,245 5.03%
    42% 147 $44,805,000 $304,796 $7,990 5.07%
    43% 145 $44,785,000 $308,862 $8,990 5.15%
    48% 133 $40,255,000 $302,669 $9,244 5.09%
    45% 125 $40,185,000 $321,480 $9,442 5.07%
    41% 111 $34,725,000 $312,838 $8,550 5.28%
    46% 105 $32,885,000 $313,190 $9,785 5.17%
    37% 104 $27,380,000 $263,269 $7,244 4.87%
    40% 104 $34,490,000 $331,635 $8,225 5.07%
    47% 103 $33,105,000 $321,408 $9,618 5.09%
    38% 98 $23,260,000 $237,347 $6,378 4.97%
    39% 97 $28,995,000 $298,918 $7,527 5.06%
    36% 91 $25,665,000 $282,033 $7,974 4.90%
    <20% 71 $15,945,000 $224,577 $6,123 4.41%
    >60% 53 $21,145,000 $398,962 $27,685 5.34%

    Land Home Financial Services lent most frequently to those with DTI ratios of 30-36%, with 394 originations. The next most common DTI ratio? 20-30%, with 303 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,980 $570,440,000 $288,101 $7,808 5.05%
    Black 316 $81,590,000 $258,196 $9,544 5.23%
    Not provided 250 $79,010,000 $316,040 $8,789 4.74%
    Asian 125 $45,255,000 $362,040 $10,466 4.67%
    Native Hawaiian or Islander 28 $13,480,000 $481,429 $14,102 4.56%
    American Indian 25 $8,135,000 $325,400 $9,513 5.18%
    Not applicable 13 $4,185,000 $321,923 $10,622 6.88%
    Filipino 3 $1,345,000 $448,333 $16,415 5.83%
    Other Pacific Islander 2 $860,000 $430,000 $17,158 4.06%
    Chinese 2 $660,000 $330,000 $8,658 4.69%
    Other Asian 2 $420,000 $210,000 $6,004 5.38%
    Asian Indian 1 $325,000 $325,000 $17,638 4.75%
    Native Hawaiian 1 $305,000 $305,000 $9,022 7.25%
    Korean 1 $305,000 $305,000 $3,675 6.63%

    Approval Rates

    Total approvals of all applications
    94.06%

    Land Home Financial Services has an average approval rate.

    Pick Rate

    Approvals leading to origination
    50.35%

    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 2,749 $806,315,000 $293,312

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,749 $806,315,000 $293,312

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 126 $29,010,000 $230,238 $5,914 4.77%
    40-60% 356 $102,290,000 $287,331 $6,473 4.65%
    60-80% 664 $202,080,000 $304,337 $7,375 4.91%
    80-100% 1,528 $440,320,000 $288,168 $8,774 5.21%
    Over 100% 63 $31,205,000 $495,317 $20,986 4.81%
    Under 20% 12 $1,410,000 $117,500 $4,170 4.42%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    LAND HOME FINANCIAL SERVICES Conventional home mortgage Trouble during payment process 1 100.0%