The Home Lending Group Mortgage Rates, Fees & Info
FLOWOOD, MSLEI: 549300FI52XKDLFLK688
Tax ID: 27-4588183
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Mortgage Data
Review & Overview
The Home Lending Group is a smaller mortgage company specializing in Home Purchase loans. They have a a high proportion of FHA loans. The Home Lending Group has an average proportion of conventional loans. Their top markets by origination volume include: Austin, Gulfport, Las Cruces, Jackson, and Las Vegas among others. We have data for 44 markets. (Some data included below & more in-depth data is available with an active subscription.)The Home Lending Group 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. The Home Lending Group is typically a low 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.
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Originations
901Origination Dollar Volume (All Markets)
$165,595,000Awards
The Home Lending Group - 2018
The Home Lending Group is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 131 | $32,155,000 | $245,458 | $6,901 | 4.68% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 171 | $25,175,000 | $147,222 | $2,710 | 4.91% |
| LAS CRUCES, NM (FHA|USDA|VA) | 130 | $21,120,000 | $162,462 | $4,957 | 5.06% |
| JACKSON, MS (FHA|USDA|VA) | 114 | $19,110,000 | $167,632 | $3,235 | 4.86% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 44 | $10,450,000 | $237,500 | $7,355 | 5.09% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 23 | $8,405,000 | $365,435 | $8,710 | 4.56% |
| KNOXVILLE, TN (FHA|USDA|VA) | 52 | $8,160,000 | $156,923 | $2,799 | 4.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 39 | $7,195,000 | $184,487 | $5,954 | 5.07% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 32 | $6,010,000 | $187,813 | $4,807 | 5.05% |
| Outside of Metro Areas | 28 | $4,560,000 | $162,857 | $4,661 | 5.06% |
| MOBILE, AL (FHA|USDA|VA) | 31 | $4,065,000 | $131,129 | $3,511 | 4.81% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 19 | $3,715,000 | $195,526 | $6,816 | 4.80% |
| LONGVIEW, TX (FHA|USDA|VA) | 10 | $1,460,000 | $146,000 | $5,568 | 4.77% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $5,576 | 4.50% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $5,108 | 6.00% |
| Alamogordo, NM (FHA|USDA|VA) | 7 | $1,145,000 | $163,571 | $3,084 | 4.96% |
| Oxford, MS (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $3,476 | 4.88% |
| HATTIESBURG, MS (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $2,453 | 5.19% |
| AMARILLO, TX (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $5,366 | 4.85% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $10,147 | 4.46% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $4,586 | 4.42% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $7,002 | 4.94% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $4,364 | 5.63% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $18,112 | 4.38% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,454 | 4.90% |
| Picayune, MS (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,698 | 4.67% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,999 | 5.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,393 | 5.25% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,883 | 4.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,713 | 4.88% |
| Grenada, MS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,465 | 4.61% |
| Natchez, MS-LA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,680 | 4.94% |
| TYLER, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,032 | 4.25% |
| McComb, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.63% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,737 | 5.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.88% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,134 | 5.25% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,881 | 4.38% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,154 | 4.63% |
| Deming, NM (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $3,216 | 4.50% |
| Silver City, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,571 | 5.25% |
| Meridian, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,571 | 4.49% |
| Palestine, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,811 | 5.75% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,875 | 5.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against The Home Lending Group based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, The Home Lending Group's most frequently originated type of loan was FHA, with 434 originations. Their 2nd most popular type was Conventional, with 228 originations.
Loan Reason
For 2018, The Home Lending Group's most frequently cited loan purpose was Home Purchase, with 823 originations. The 2nd most popular reason was Refi, with 43 originations.
Loan Duration/Length
For 2018, The Home Lending Group's most frequently cited loan duration was 30 Year, with 880 originations. The 2nd most popular length was 15 Year, with 14 originations.
Origination Fees/Closing Costs
The Home Lending Group's average total fees were $4,711, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 489 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 573 | $109,675,000 | $191,405 |
| 5-6% | 274 | $43,570,000 | $159,015 |
| 3-4% | 44 | $10,140,000 | $230,455 |
| 6-7% | 5 | $1,015,000 | $203,000 |
| Over 8% | 4 | $1,020,000 | $255,000 |
During 2018, The Home Lending Group's average interest rate for loans was 4.91%, while their most frequently originated rate bucket for loans was 4-5%, with 573 originations.
Loan Sizing
2018 saw The Home Lending Group place emphasis on $100k-200k loans with 449 originations, totaling $67,915,000 in origination value.
Applicant Income
The Home Lending Group lent most frequently to those with incomes in the $50k-75k range, with 324 originations. The second most popular income band? $50k or less, with 254 originations.
Applicant Debt to Income Ratio
The Home Lending Group lent most frequently to those with DTI ratios of 30-36%, with 119 originations. The next most common DTI ratio? 20-30%, with 103 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.41%
The Home Lending Group has an average approval rate.
Pick Rate
Approvals leading to origination78.36%
The Home Lending Group has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 901 | $165,595,000 | $183,790 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 16 | $1,720,000 | $107,500 |
| Single Family (1-4 Units):Site-Built | 885 | $163,875,000 | $185,169 |