Land Home Financial Services Mortgage Rates, Fees & Info
Sacramento, CALEI: 5493006RIR31ORKYB608
Tax ID: 68-0151632
3.1 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage 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
7,280Origination Dollar Volume (All Markets)
$2,182,670,000Awards
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LAND HOME FINANCIAL SERVICES - 2021
LAND HOME FINANCIAL SERVICES is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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% |
| Cañon 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 applications92.06%
Land Home Financial Services has an average approval rate.
Pick Rate
Approvals leading to origination60.21%
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% |
