Land Home Financial Services Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493006RIR31ORKYB608

Tax ID: 68-0151632

1.8 stars - Updated: 5/27/24 - out of 5 stars, based on 38 reviews

Latest/2023 | 2022 Data | 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 a a high 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: Des Moines, Sacramento, Urban Honolulu, San Francisco, and San Jose among others. We have data for 190 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 relatively high 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% 5/27/24
30 Year Conventional Refi 6.79% 5/27/24
30 Year Cash-out Refi 6.97% 5/27/24
30 Year FHA Purchase 7.73% 5/27/24
30 Year FHA Refi 7.52% 5/27/24
30 Year VA Purchase 6.46% 5/27/24
30 Year VA Refi 6.60% 5/27/24
30 Year USDA Purchase 6.94% 5/27/24
15 Year Conventional Purchase 6.32% 5/27/24
15 Year Conventional Refi 6.18% 5/27/24
15 Year Cash-out Refi 6.18% 5/27/24
15 Year FHA Refi 5.68% 5/27/24
15 Year VA Refi 5.68% 5/27/24
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

1,422

Origination Dollar Volume (All Markets)

$432,820,000

Awards

LAND HOME FINANCIAL SERVICES FHA Loans gold LAND HOME FINANCIAL SERVICES FHA Loans gold LAND HOME FINANCIAL SERVICES 30 Year Conventional Loans silver LAND HOME FINANCIAL SERVICES VA Loans gold
Show all (4) awards

Relative Rate

Land Home Financial Services's average 30 year fixed mortgage rate was 6.83%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

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 $11,271.

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 $9,089.

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
Outside of Metro Areas 117 $25,375,000 $216,880 $7,144 6.84%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 93 $22,975,000 $247,043 $7,817 6.61%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 57 $22,075,000 $387,281 $11,385 6.91%
URBAN HONOLULU, HI (FHA|USDA|VA) 33 $22,045,000 $668,030 $27,991 5.87%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 42 $21,730,000 $517,381 $12,220 7.19%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 29 $20,505,000 $707,069 $18,750 6.88%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 107 $18,595,000 $173,785 $10,282 6.81%
STOCKTON, CA (FHA|USDA|VA) 26 $11,990,000 $461,154 $13,031 6.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 35 $10,395,000 $297,000 $9,120 6.66%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 29 $9,315,000 $321,207 $16,027 7.07%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 30 $9,190,000 $306,333 $13,549 6.84%
COLUMBUS, OH (FHA|USDA|VA) 35 $8,755,000 $250,143 $6,602 7.27%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 27 $8,595,000 $318,333 $15,155 6.81%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 20 $8,110,000 $405,500 $17,775 7.04%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 21 $7,945,000 $378,333 $19,089 7.12%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 34 $7,910,000 $232,647 $10,908 6.71%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 30 $7,690,000 $256,333 $12,574 6.89%
MODESTO, CA (FHA|USDA|VA) 16 $7,220,000 $451,250 $12,816 7.07%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 15 $7,115,000 $474,333 $24,009 7.27%
Austin, MN (FHA|USDA|VA) 37 $6,855,000 $185,270 $7,331 6.71%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 26 $6,780,000 $260,769 $8,523 6.61%
PANAMA CITY, FL (FHA|USDA|VA) 23 $6,325,000 $275,000 $9,683 6.63%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 22 $6,090,000 $276,818 $10,485 6.65%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 18 $5,310,000 $295,000 $11,792 6.47%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 13 $5,105,000 $392,692 $12,790 7.07%
MERCED, CA (FHA|USDA|VA) 14 $4,870,000 $347,857 $11,761 7.18%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 19 $4,515,000 $237,632 $6,659 6.43%
AMES, IA (FHA|USDA|VA) 23 $4,055,000 $176,304 $6,427 6.61%
LEWISTON, ID-WA (FHA|USDA|VA) 15 $3,915,000 $261,000 $8,568 6.73%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 15 $3,695,000 $246,333 $11,037 7.10%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 12 $3,630,000 $302,500 $10,029 7.04%
Hilo, HI (FHA|USDA|VA) 10 $3,420,000 $342,000 $9,737 5.99%
RENO, NV (FHA|USDA|VA) 8 $3,170,000 $396,250 $17,777 7.17%
WAUSAU-WESTON, WI (FHA|USDA|VA) 12 $3,090,000 $257,500 $6,061 7.26%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 8 $2,830,000 $353,750 $15,505 6.52%
FRESNO, CA (FHA|USDA|VA) 9 $2,815,000 $312,778 $10,512 7.22%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 11 $2,545,000 $231,364 $10,466 7.11%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $2,545,000 $509,000 $12,077 6.97%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 7 $2,545,000 $363,571 $10,584 6.96%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $2,440,000 $406,667 $20,285 6.94%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 8 $2,250,000 $281,250 $10,267 6.84%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 7 $2,245,000 $320,714 $8,291 6.77%
EAU CLAIRE, WI (FHA|USDA|VA) 8 $2,200,000 $275,000 $10,531 6.47%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $2,185,000 $198,636 $7,571 7.03%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,925,000 $385,000 $12,336 6.73%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $1,925,000 $641,667 $32,223 7.33%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,790,000 $447,500 $16,618 7.06%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $1,775,000 $253,571 $10,940 6.64%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,770,000 $442,500 $14,737 7.16%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $1,765,000 $353,000 $19,249 6.80%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,660,000 $276,667 $7,563 7.08%
VALLEJO, CA (FHA|USDA|VA) 4 $1,660,000 $415,000 $8,265 6.56%
RICHMOND, VA (FHA|USDA|VA) 3 $1,465,000 $488,333 $17,419 6.75%
NAPA, CA (FHA|USDA|VA) 3 $1,465,000 $488,333 $19,376 7.13%
MONROE, MI (FHA|USDA|VA) 7 $1,435,000 $205,000 $5,846 7.46%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $1,360,000 $226,667 $10,144 6.77%
Albert Lea, MN (FHA|USDA|VA) 8 $1,340,000 $167,500 $6,866 6.80%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 7 $1,235,000 $176,429 $4,703 6.71%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $1,170,000 $292,500 $8,560 7.28%
Moscow, ID (FHA|USDA|VA) 3 $1,055,000 $351,667 $10,226 6.79%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $1,045,000 $348,333 $19,418 7.00%
WILMINGTON, NC (FHA|USDA|VA) 3 $1,035,000 $345,000 $11,787 7.04%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $1,035,000 $345,000 $21,031 7.02%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $1,020,000 $510,000 $26,978 7.25%
OCALA, FL (FHA|USDA|VA) 5 $1,005,000 $201,000 $8,943 6.80%
Red Bluff, CA (FHA|USDA|VA) 3 $1,005,000 $335,000 $10,865 6.38%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $980,000 $490,000 $0 7.58%
Shelton, WA (FHA|USDA|VA) 3 $925,000 $308,333 $16,984 6.91%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $920,000 $460,000 $17,917 7.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $915,000 $305,000 $9,132 7.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $880,000 $220,000 $3,627 6.53%
ASHEVILLE, NC (FHA|USDA|VA) 2 $860,000 $430,000 $7,502 6.06%
GREELEY, CO (FHA|USDA|VA) 2 $830,000 $415,000 $18,343 7.19%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $810,000 $405,000 $5,555 7.74%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $770,000 $385,000 $20,546 7.50%
VISALIA, CA (FHA|USDA|VA) 3 $765,000 $255,000 $8,139 7.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $760,000 $380,000 $12,290 6.63%
ROCHESTER, MN (FHA|USDA|VA) 4 $750,000 $187,500 $8,078 7.03%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 4 $740,000 $185,000 $9,540 6.81%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $735,000 $245,000 $14,404 7.50%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $705,000 $235,000 $6,543 7.25%
MADERA, CA (FHA|USDA|VA) 2 $700,000 $350,000 $8,048 6.19%
Fort Dodge, IA (FHA|USDA|VA) 5 $695,000 $139,000 $6,152 6.55%
GREEN BAY, WI (FHA|USDA|VA) 2 $690,000 $345,000 $9,352 6.94%
Fernley, NV (FHA|USDA|VA) 2 $680,000 $340,000 $15,939 6.44%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $660,000 $330,000 $20,255 7.50%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $640,000 $320,000 $17,095 6.76%
GRAND JUNCTION, CO (FHA|USDA|VA) 3 $615,000 $205,000 $0 5.45%
RACINE, WI (FHA|USDA|VA) 2 $600,000 $300,000 $9,514 7.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $600,000 $300,000 $12,960 7.13%
CHICO, CA (FHA|USDA|VA) 3 $575,000 $191,667 $5,401 7.93%
REDDING, CA (FHA|USDA|VA) 1 $555,000 $555,000 $13,400 5.75%
BOISE CITY, ID (FHA|USDA|VA) 2 $550,000 $275,000 $7,039 7.38%
BATON ROUGE, LA (FHA|USDA|VA) 2 $520,000 $260,000 $12,600 6.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $510,000 $255,000 $8,808 6.44%
TUCSON, AZ (FHA|USDA|VA) 2 $510,000 $255,000 $12,756 5.94%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $495,000 $495,000 $0 7.64%
GAINESVILLE, FL (FHA|USDA|VA) 2 $490,000 $245,000 $8,132 6.44%
Huntsville, TX (FHA|USDA|VA) 1 $485,000 $485,000 $25,490 7.00%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $485,000 $485,000 $27,230 7.50%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $485,000 $485,000 $6,835 8.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $480,000 $240,000 $11,726 7.00%
Crescent City, CA (FHA|USDA|VA) 1 $475,000 $475,000 $11,251 6.50%
CLEVELAND, TN (FHA|USDA|VA) 2 $470,000 $235,000 $10,454 6.13%
SALINAS, CA (FHA|USDA|VA) 1 $465,000 $465,000 $25,168 7.50%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $455,000 $455,000 $20,292 6.13%
Jackson, OH (FHA|USDA|VA) 2 $450,000 $225,000 $7,739 7.38%
LOUISVILLE, KY (FHA|USDA|VA) 2 $450,000 $225,000 $13,481 7.75%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $445,000 $445,000 $0 7.23%
APPLETON, WI (FHA|USDA|VA) 1 $445,000 $445,000 $6,772 6.50%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $445,000 $445,000 $4,561 7.63%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $425,000 $425,000 $15,020 7.50%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $420,000 $210,000 $12,049 7.00%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $420,000 $210,000 $12,472 7.31%
PROVO-OREM, UT (FHA|USDA|VA) 1 $415,000 $415,000 $21,183 7.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $415,000 $415,000 $18,048 6.25%
Aberdeen, WA (FHA|USDA|VA) 2 $410,000 $205,000 $4,389 7.94%
Brookings, OR (FHA|USDA|VA) 1 $405,000 $405,000 $12,972 7.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $405,000 $405,000 $11,692 7.88%
CARSON CITY, NV (FHA|USDA|VA) 1 $395,000 $395,000 $20,158 6.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $395,000 $395,000 $7,007 7.00%
Whitewater, WI (FHA|USDA|VA) 1 $385,000 $385,000 $4,182 6.63%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $385,000 $385,000 $5,928 6.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $380,000 $190,000 $6,148 7.31%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $355,000 $355,000 $9,779 7.50%
Durango, CO (FHA|USDA|VA) 1 $355,000 $355,000 $6,143 6.13%
PUEBLO, CO (FHA|USDA|VA) 1 $355,000 $355,000 $18,005 7.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $355,000 $355,000 $19,812 7.50%
Montrose, CO (FHA|USDA|VA) 1 $355,000 $355,000 $18,941 7.00%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 3 $345,000 $115,000 $4,425 6.29%
ST. GEORGE, UT (FHA|USDA|VA) 1 $345,000 $345,000 $18,326 7.50%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $335,000 $335,000 $10,935 7.50%
FORT COLLINS, CO (FHA|USDA|VA) 1 $335,000 $335,000 $6,450 6.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $325,000 $325,000 $8,427 6.38%
Pullman, WA (FHA|USDA|VA) 1 $315,000 $315,000 $12,007 8.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $305,000 $305,000 $15,584 5.75%
JACKSON, MS (FHA|USDA|VA) 1 $305,000 $305,000 $10,930 6.75%
Alice, TX (FHA|USDA|VA) 1 $305,000 $305,000 $12,949 6.75%
Sidney, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,961 7.50%
Paris, TN (FHA|USDA|VA) 1 $295,000 $295,000 $7,717 6.63%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $285,000 $285,000 $14,306 7.50%
ST. CLOUD, MN (FHA|USDA|VA) 1 $285,000 $285,000 $11,492 7.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $275,000 $275,000 $9,748 7.38%
Nogales, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $0 6.73%
Pella, IA (FHA|USDA|VA) 1 $275,000 $275,000 $4,617 7.00%
Brainerd, MN (FHA|USDA|VA) 1 $275,000 $275,000 $5,858 6.50%
Shelbyville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $8,767 5.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $265,000 $265,000 $15,926 7.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $265,000 $265,000 $9,003 5.88%
ROCKFORD, IL (FHA|USDA|VA) 2 $260,000 $130,000 $7,436 6.44%
WICHITA, KS (FHA|USDA|VA) 1 $255,000 $255,000 $7,905 7.00%
LAFAYETTE, LA (FHA|USDA|VA) 1 $255,000 $255,000 $13,757 7.50%
PITTSBURGH, PA (FHA|USDA|VA) 1 $255,000 $255,000 $6,535 6.75%
DALTON, GA (FHA|USDA|VA) 1 $255,000 $255,000 $10,051 5.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $255,000 $255,000 $15,535 8.00%
SAVANNAH, GA (FHA|USDA|VA) 1 $245,000 $245,000 $8,785 6.38%
Forest City, NC (FHA|USDA|VA) 1 $245,000 $245,000 $5,071 7.38%
Pahrump, NV (FHA|USDA|VA) 1 $245,000 $245,000 $15,698 6.13%
Carroll, IA (FHA|USDA|VA) 1 $235,000 $235,000 $8,216 6.88%
MADISON, WI (FHA|USDA|VA) 1 $235,000 $235,000 $6,609 6.75%
Wauchula, FL (FHA|USDA|VA) 1 $235,000 $235,000 $14,202 6.50%
Sterling, CO (FHA|USDA|VA) 1 $215,000 $215,000 $11,498 7.00%
YUBA CITY, CA (FHA|USDA|VA) 1 $215,000 $215,000 $22,393 6.88%
NILES, MI (FHA|USDA|VA) 1 $215,000 $215,000 $4,731 6.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $195,000 $195,000 $9,645 6.50%
MOBILE, AL (FHA|USDA|VA) 1 $195,000 $195,000 $9,453 6.99%
Zanesville, OH (FHA|USDA|VA) 1 $185,000 $185,000 $5,783 6.50%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $185,000 $185,000 $11,061 5.50%
Menomonie, WI (FHA|USDA|VA) 1 $185,000 $185,000 $8,267 6.63%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $175,000 $175,000 $5,166 5.63%
Palestine, TX (FHA|USDA|VA) 1 $175,000 $175,000 $12,792 6.50%
LAS CRUCES, NM (FHA|USDA|VA) 1 $175,000 $175,000 $7,223 8.13%
KNOXVILLE, TN (FHA|USDA|VA) 1 $175,000 $175,000 $4,379 6.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $175,000 $175,000 $4,545 7.00%
GREENVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $6,820 6.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $165,000 $165,000 $11,524 7.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $8,575 7.50%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $145,000 $145,000 $6,542 7.63%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $145,000 $145,000 $5,979 6.63%
Platteville, WI (FHA|USDA|VA) 1 $145,000 $145,000 $5,975 6.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,655 7.50%
Burlington, IA-IL (FHA|USDA|VA) 1 $145,000 $145,000 $5,777 6.63%
Fairfield, IA (FHA|USDA|VA) 1 $135,000 $135,000 $6,370 7.63%
McMinnville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $3,400 7.38%
Marshalltown, IA (FHA|USDA|VA) 1 $125,000 $125,000 $5,869 6.75%
North Platte, NE (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.44%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $115,000 $115,000 $3,714 6.88%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $85,000 $85,000 $3,014 7.13%
Sterling, IL (FHA|USDA|VA) 1 $55,000 $55,000 $3,435 6.50%
PINE BLUFF, AR (FHA|USDA|VA) 1 $45,000 $45,000 $3,282 6.88%
Land Home Financial Services's top markets include Des Moines, Sacramento, Urban Honolulu, San Francisco, and San Jose among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 683 $194,465,000 $284,722 $7,524 6.91%
    FHA 585 $177,895,000 $304,094 $14,593 6.84%
    VA 114 $49,180,000 $431,404 $15,877 6.30%
    FHA 32 $9,690,000 $302,813 $0 7.35%
    USDA 8 $1,590,000 $198,750 $7,281 6.34%

    For 2023, Land Home Financial Services's most frequently originated type of loan was Conventional, with 683 originations. Their 2nd most popular type was FHA, with 585 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,266 $388,510,000 $306,880 $11,420 6.81%
    Cash Out Refi 78 $22,840,000 $292,821 $8,997 7.03%
    Refi 48 $15,060,000 $313,750 $9,576 7.04%
    Other 30 $6,410,000 $213,667 $6,532 7.28%

    For 2023, Land Home Financial Services's most frequently cited loan purpose was Home Purchase, with 1,266 originations. The 2nd most popular reason was Cash Out Refi, with 78 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,368 $419,350,000 $306,542 $11,271 6.83%
    Other 34 $10,310,000 $303,235 $8,631 7.33%
    20 Year 10 $1,660,000 $166,000 $5,941 6.76%
    15 Year 7 $915,000 $130,714 $5,014 6.46%
    10 Year 3 $585,000 $195,000 $4,613 6.13%

    For 2023, Land Home Financial Services's most frequently cited loan duration was 30 Year, with 1,368 originations. The 2nd most popular length was Other, with 34 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 603 $236,415,000 $392,065
    $2k-3k 219 $47,755,000 $218,059
    $3k-4k 211 $48,635,000 $230,498
    $4k-5k 175 $47,715,000 $272,657
    $1k-2k 166 $38,390,000 $231,265
    $<1k 9 $1,865,000 $207,222

    Land Home Financial Services's average total fees were $11,271, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 603 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 768 $230,830,000 $300,560
    7-8% 460 $142,360,000 $309,478
    5-6% 158 $49,680,000 $314,430
    Over 8% 35 $9,775,000 $279,286
    <2.5% 1 $175,000 $175,000

    During 2023, Land Home Financial Services's average interest rate for loans was 6.83%, while their most frequently originated rate bucket for loans was 6-7%, with 768 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 722 $208,990,000 $289,460 $11,118 6.89%
    $100k-200k 344 $52,620,000 $152,965 $6,581 6.74%
    $400k-600k 210 $100,510,000 $478,619 $15,894 6.87%
    $600k-1MM 76 $54,500,000 $717,105 $20,529 6.86%
    $100,000 or less 60 $5,010,000 $83,500 $4,956 6.75%
    $1MM+ 10 $11,190,000 $1,119,000 $41,924 6.20%

    2023 saw Land Home Financial Services place emphasis on $200k-400k loans with 722 originations, totaling $208,990,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 397 $101,545,000 $255,781 $13,362 6.96%
    $50k-75k 291 $59,495,000 $204,450 $7,499 6.66%
    $100k-150k 287 $103,965,000 $362,247 $11,445 6.87%
    $75k-100k 235 $64,355,000 $273,851 $9,924 6.69%
    $150k-250k 161 $76,545,000 $475,435 $13,318 6.90%
    $250k+ 36 $20,660,000 $573,889 $13,230 7.16%

    Land Home Financial Services lent most frequently to those with incomes in the $50k or less range, with 397 originations. The second most popular income band? $50k-75k, with 291 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 148 $37,790,000 $255,338 $7,443 6.83%
    50-60% 132 $50,810,000 $384,924 $16,055 6.52%
    20-30% 102 $26,990,000 $264,608 $7,128 6.96%
    49% 99 $32,015,000 $323,384 $10,313 6.76%
    44% 91 $26,775,000 $294,231 $10,457 6.72%
    43% 61 $17,305,000 $283,689 $9,902 6.71%
    47% 60 $16,560,000 $276,000 $10,296 6.74%
    45% 58 $19,300,000 $332,759 $10,314 6.89%
    48% 54 $17,910,000 $331,667 $9,258 6.73%
    39% 54 $14,060,000 $260,370 $8,880 6.70%
    42% 52 $15,420,000 $296,538 $9,755 6.69%
    46% 51 $14,355,000 $281,471 $8,143 6.77%
    38% 43 $11,675,000 $271,512 $9,057 6.81%
    37% 38 $10,790,000 $283,947 $9,429 6.61%
    41% 37 $10,305,000 $278,514 $9,388 6.79%
    40% 36 $9,710,000 $269,722 $8,168 6.50%
    36% 36 $9,720,000 $270,000 $8,091 6.69%
    <20% 25 $5,285,000 $211,400 $6,420 7.11%
    >60% 21 $6,355,000 $302,619 $3,840 7.38%

    Land Home Financial Services lent most frequently to those with DTI ratios of 30-36%, with 148 originations. The next most common DTI ratio? 50-60%, with 132 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 890 $267,550,000 $300,618 $9,308 6.80%
    Not provided 290 $97,600,000 $336,552 $16,796 7.04%
    Black 167 $38,845,000 $232,605 $9,996 6.74%
    Asian 43 $16,365,000 $380,581 $13,480 6.62%
    Native Hawaiian or Islander 13 $5,995,000 $461,154 $16,654 6.37%
    Not applicable 9 $3,335,000 $370,556 $14,946 7.44%
    American Indian 6 $1,560,000 $260,000 $7,811 6.63%
    Samoan 1 $805,000 $805,000 $34,283 5.63%
    Other Asian 1 $325,000 $325,000 $9,668 5.88%
    Korean 1 $275,000 $275,000 $12,030 7.50%
    Asian Indian 1 $165,000 $165,000 $5,258 6.13%

    Approval Rates

    Total approvals of all applications
    94.44%

    Land Home Financial Services has an average approval rate.

    Pick Rate

    Approvals leading to origination
    51.97%

    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 1,422 $432,820,000 $304,374

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,422 $432,820,000 $304,374

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 62 $13,460,000 $217,097 $6,694 6.91%
    40-60% 132 $31,280,000 $236,970 $7,386 6.85%
    60-80% 209 $66,465,000 $318,014 $8,731 6.96%
    80-100% 973 $299,325,000 $307,631 $11,833 6.83%
    Over 100% 41 $21,375,000 $521,341 $24,681 6.17%
    Under 20% 5 $915,000 $183,000 $6,544 6.75%