Homeowners Financial Group Usa Mortgage Rates, Fees & Info
SCOTTSDALE, AZLEI: 549300NJVKCDJA5YC939
Tax ID: 20-0640473
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Mortgage Data
Review & Overview
Homeowners Financial Group Usa is a small mortgage company specializing in Home Purchase loans. Homeowners Financial Group Usa 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 by origination volume include: Phoenix, Atlanta, Tampa, Santa Maria, and Prescott Valley among others. We have data for 175 markets. (Some data included below & more in-depth data is available with an active subscription.)Homeowners Financial Group Usa 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. Homeowners Financial Group Usa 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 | 6.38% | 11/11/24 |
| 30 Year Conventional Refi | 6.61% | 11/11/24 |
| 30 Year Cash-out Refi | 6.80% | 11/11/24 |
| 30 Year FHA Purchase | 7.52% | 11/11/24 |
| 30 Year FHA Refi | 7.12% | 11/11/24 |
| 30 Year VA Purchase | 6.40% | 11/11/24 |
| 30 Year VA Refi | 6.22% | 11/11/24 |
| 30 Year USDA Purchase | 6.95% | 11/11/24 |
| 15 Year Conventional Purchase | 6.14% | 11/11/24 |
| 15 Year Conventional Refi | 6.19% | 11/11/24 |
| 15 Year Cash-out Refi | 6.19% | 11/11/24 |
| 15 Year VA Purchase | 6.38% | 11/11/24 |
| 15 Year VA Refi | 5.68% | 11/11/24 |
| 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. | ||
Homeowners Financial Group Usa Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Homeowners Financial Group Usa. 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
4,572Origination Dollar Volume (All Markets)
$1,452,180,000Awards
HOMEOWNERS FINANCIAL GROUP USA - 2023
HOMEOWNERS FINANCIAL GROUP USA is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Homeowners Financial Group Usa's average 30 year fixed mortgage rate was
6.13%.
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)
Homeowners Financial Group Usa's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,879.
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 |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 701 | $283,995,000 | $405,128 | $10,805 | 6.65% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 747 | $271,235,000 | $363,099 | $11,060 | 6.66% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 824 | $232,690,000 | $282,391 | $9,108 | 5.53% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 71 | $56,135,000 | $790,634 | $18,553 | 6.81% |
| Outside of Metro Areas | 289 | $53,735,000 | $185,934 | $6,559 | 5.70% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 101 | $37,505,000 | $371,337 | $7,210 | 6.78% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 87 | $34,545,000 | $397,069 | $10,015 | 6.65% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 70 | $33,870,000 | $483,857 | $15,343 | 5.48% |
| ST. CLOUD, MN (FHA|USDA|VA) | 195 | $33,165,000 | $170,077 | $5,115 | 5.51% |
| STOCKTON, CA (FHA|USDA|VA) | 106 | $25,750,000 | $242,925 | $10,730 | 3.83% |
| Jefferson, GA (FHA|USDA|VA) | 65 | $22,245,000 | $342,231 | $10,851 | 6.65% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 35 | $21,655,000 | $618,714 | $21,693 | 6.13% |
| ANCHORAGE, AK (FHA|USDA|VA) | 56 | $20,450,000 | $365,179 | $9,599 | 6.59% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 96 | $20,010,000 | $208,438 | $7,079 | 4.89% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 40 | $13,930,000 | $348,250 | $10,340 | 6.26% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 68 | $13,620,000 | $200,294 | $6,818 | 6.94% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 52 | $13,510,000 | $259,808 | $9,357 | 6.66% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 68 | $13,390,000 | $196,912 | $5,023 | 5.65% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 23 | $12,805,000 | $556,739 | $10,502 | 6.93% |
| Cornelia, GA (FHA|USDA|VA) | 46 | $11,920,000 | $259,130 | $10,614 | 6.88% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 39 | $10,535,000 | $270,128 | $8,490 | 4.72% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 37 | $9,625,000 | $260,135 | $7,821 | 6.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 25 | $8,675,000 | $347,000 | $10,779 | 6.51% |
| GAINESVILLE, GA (FHA|USDA|VA) | 26 | $8,540,000 | $328,462 | $10,519 | 7.02% |
| Alamogordo, NM (FHA|USDA|VA) | 38 | $7,720,000 | $203,158 | $8,116 | 6.91% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 31 | $7,585,000 | $244,677 | $10,117 | 5.71% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 13 | $7,495,000 | $576,538 | $14,231 | 5.43% |
| Willmar, MN (FHA|USDA|VA) | 53 | $6,855,000 | $129,340 | $3,426 | 5.48% |
| TUCSON, AZ (FHA|USDA|VA) | 18 | $6,530,000 | $362,778 | $11,631 | 6.75% |
| VALLEJO, CA (FHA|USDA|VA) | 16 | $5,740,000 | $358,750 | $14,689 | 5.24% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 14 | $5,580,000 | $398,571 | $7,557 | 6.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 12 | $5,530,000 | $460,833 | $14,331 | 6.84% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 16 | $4,890,000 | $305,625 | $10,747 | 5.91% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 17 | $4,825,000 | $283,824 | $10,497 | 6.60% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 14 | $4,400,000 | $314,286 | $12,450 | 6.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 24 | $3,960,000 | $165,000 | $6,416 | 5.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 12 | $3,910,000 | $325,833 | $8,779 | 6.50% |
| Toccoa, GA (FHA|USDA|VA) | 17 | $3,775,000 | $222,059 | $8,890 | 6.73% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 9 | $3,675,000 | $408,333 | $10,110 | 7.29% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 7 | $3,535,000 | $505,000 | $12,985 | 7.18% |
| OCALA, FL (FHA|USDA|VA) | 14 | $3,340,000 | $238,571 | $11,678 | 6.32% |
| Nogales, AZ (FHA|USDA|VA) | 8 | $3,140,000 | $392,500 | $6,710 | 6.77% |
| SPARTANBURG, SC (FHA|USDA|VA) | 18 | $3,070,000 | $170,556 | $7,732 | 5.03% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 12 | $2,980,000 | $248,333 | $9,407 | 6.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 8 | $2,950,000 | $368,750 | $10,310 | 6.98% |
| Clearlake, CA (FHA|USDA|VA) | 14 | $2,900,000 | $207,143 | $7,757 | 4.34% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 6 | $2,690,000 | $448,333 | $11,780 | 5.85% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $2,660,000 | $443,333 | $13,964 | 6.58% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $2,475,000 | $495,000 | $15,255 | 5.60% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 6 | $2,350,000 | $391,667 | $11,392 | 6.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $2,330,000 | $388,333 | $11,202 | 7.46% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 4 | $2,010,000 | $502,500 | $7,958 | 7.41% |
| MODESTO, CA (FHA|USDA|VA) | 8 | $1,960,000 | $245,000 | $9,419 | 4.44% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $9,324 | 7.02% |
| Show Low, AZ (FHA|USDA|VA) | 6 | $1,770,000 | $295,000 | $8,379 | 7.33% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $1,690,000 | $422,500 | $10,021 | 7.03% |
| Marshall, MN (FHA|USDA|VA) | 14 | $1,670,000 | $119,286 | $4,333 | 5.39% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,645,000 | $548,333 | $5,193 | 6.71% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 11 | $1,605,000 | $145,909 | $5,757 | 4.42% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $8,082 | 5.68% |
| Fergus Falls, MN (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $4,494 | 6.02% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $10,341 | 6.98% |
| MERCED, CA (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $13,277 | 4.85% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $10,745 | 7.88% |
| Oxford, MS (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $6,827 | 7.18% |
| ROME, GA (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $5,868 | 7.16% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $9,854 | 6.88% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $10,309 | 6.38% |
| Albemarle, NC (FHA|USDA|VA) | 7 | $1,005,000 | $143,571 | $5,666 | 5.98% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $11,471 | 6.81% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $12,876 | 4.46% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $6,949 | 7.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $9,451 | 6.42% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $9,834 | 6.33% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $9,195 | 6.56% |
| Jasper, AL (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $6,648 | 7.08% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $14,527 | 7.50% |
| Palatka, FL (FHA|USDA|VA) | 6 | $850,000 | $141,667 | $7,548 | 6.12% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $8,880 | 6.31% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $9,140 | 6.46% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $8,507 | 7.17% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 6 | $750,000 | $125,000 | $10,031 | 5.96% |
| LaGrange, GA-AL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $8,942 | 7.17% |
| ROCHESTER, MN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $7,349 | 6.38% |
| Payson, AZ (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $7,226 | 6.83% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $9,136 | 6.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $12,346 | 5.81% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $11,862 | 7.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,896 | 6.88% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $4,128 | 6.88% |
| Sonora, CA (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $5,446 | 4.09% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,521 | 6.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $10,157 | 6.31% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $9,379 | 6.06% |
| Spencer, IA (FHA|USDA|VA) | 6 | $610,000 | $101,667 | $3,126 | 4.48% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $7,967 | 4.71% |
| RENO, NV (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $14,337 | 6.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $17,728 | 7.00% |
| Spirit Lake, IA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,347 | 6.69% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $9,032 | 7.19% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $11,767 | 6.50% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $7,870 | 6.94% |
| Brookings, SD (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $11,355 | 6.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,072 | 7.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $19,479 | 6.00% |
| Cedartown, GA (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $6,674 | 7.75% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $11,303 | 7.06% |
| DECATUR, AL (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $3,637 | 7.75% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,414 | 7.25% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,860 | 7.00% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,593 | 7.44% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,122 | 7.13% |
| Waycross, GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $19,249 | 6.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $19,912 | 6.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $8,322 | 6.75% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $11,878 | 7.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $17,887 | 3.31% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,556 | 6.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $13,927 | 7.13% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,296 | 6.75% |
| Dublin, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,161 | 6.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,658 | 6.75% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,030 | 6.50% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,633 | 7.50% |
| Fremont, NE (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,469 | 7.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,991 | 7.25% |
| Owatonna, MN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,837 | 7.13% |
| Seneca, SC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $9,582 | 6.94% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,607 | 6.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $17,661 | 6.13% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $4,573 | 7.25% |
| Storm Lake, IA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,298 | 7.87% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,757 | 3.56% |
| Arcadia, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,948 | 3.50% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,760 | 6.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $14,537 | 6.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,375 | 7.25% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,178 | 6.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,777 | 6.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $16,045 | 6.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,250 | 7.13% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,755 | 7.25% |
| LIMA, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,915 | 6.38% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,638 | 7.25% |
| Mason City, IA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,250 | 3.19% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,636 | 6.88% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,293 | 6.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,206 | 7.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 6.75% |
| Union City, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,371 | 6.13% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,237 | 6.75% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,735 | 8.13% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,297 | 6.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,794 | 7.25% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,177 | 5.88% |
| Safford, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,116 | 5.88% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,756 | 6.63% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,247 | 3.63% |
| Austin, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,910 | 6.88% |
| Cullman, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,932 | 7.50% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,706 | 5.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,970 | 7.63% |
| Union, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,000 | 6.75% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $6,317 | 3.69% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,514 | 3.50% |
| Fairmont, MN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $2,188 | 3.44% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,016 | 6.63% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,067 | 7.13% |
| Roswell, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,503 | 5.99% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,581 | 7.25% |
| Paris, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,065 | 7.63% |
| Cordele, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,132 | 7.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,182 | 7.25% |
| Jacksonville, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.50% |
| Silver City, NM (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,970 | 5.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against HOMEOWNERS FINANCIAL GROUP USA 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 2023, Homeowners Financial Group Usa's most frequently originated type of loan was Conventional, with 3,028 originations. Their 2nd most popular type was FHA, with 1,267 originations.
Loan Reason
For 2023, Homeowners Financial Group Usa's most frequently cited loan purpose was Home Purchase, with 4,329 originations. The 2nd most popular reason was Home Improvement, with 201 originations.
Loan Duration/Length
For 2023, Homeowners Financial Group Usa's most frequently cited loan duration was 30 Year, with 4,398 originations. The 2nd most popular length was 10 Year, with 94 originations.
Origination Fees/Closing Costs
Homeowners Financial Group Usa's average total fees were $9,879, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,896 originations.
Interest Rates
During 2023, Homeowners Financial Group Usa's average interest rate for loans was 6.13%, while their most frequently originated rate bucket for loans was 6-7%, with 2,219 originations.
Loan Sizing
2023 saw Homeowners Financial Group Usa place emphasis on $200k-400k loans with 2,180 originations, totaling $659,890,000 in origination value.
Applicant Income
Homeowners Financial Group Usa lent most frequently to those with incomes in the $100k-150k range, with 1,160 originations. The second most popular income band? $75k-100k, with 1,063 originations.
Applicant Debt to Income Ratio
Homeowners Financial Group Usa lent most frequently to those with DTI ratios of 30-36%, with 562 originations. The next most common DTI ratio? 50-60%, with 530 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.69%
Homeowners Financial Group Usa has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination64.48%
Homeowners Financial Group Usa 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 | 4,572 | $1,452,180,000 | $317,625 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,572 | $1,452,180,000 | $317,625 |