Homeowners Financial Group Usa Mortgage Rates, Fees & Info

SCOTTSDALE, AZ

LEI: 549300NJVKCDJA5YC939

Tax ID: 20-0640473

4 stars - out of 5 stars, based on 103 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Homeowners Financial Group Usa is a mid-sized 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 include Phoenix, Atlanta, Tampa, Santa Maria, and Austin among others. Homeowners Financial Group Usa 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. Homeowners Financial Group Usa is typically an average fee lendor.


Originations

10,704

Origination Dollar Volume (All Markets)

$3,394,970,000

Awards

HOMEOWNERS FINANCIAL GROUP USA  30 Year Conventional Loans gold
Show all (1) awards

Relative Rate

Homeowners Financial Group Usa 's average 30 year fixed rate mortgage of loans were 3.17%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.02%.

Relative Fees

Homeowners Financial Group Usa 's average total fees for a 30 year fixed rate mortgage are $5,664.

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
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3,436 $1,184,760,000 $344,808 $5,383 3.25%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1,050 $322,240,000 $306,895 $5,806 3.23%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1,085 $288,905,000 $266,272 $5,973 3.15%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 296 $212,120,000 $716,622 $7,246 3.11%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 370 $131,770,000 $356,135 $6,116 3.07%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 418 $116,550,000 $278,828 $4,227 3.19%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 138 $82,580,000 $598,406 $6,109 3.08%
Outside of Metro Areas 392 $74,320,000 $189,592 $4,613 2.94%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 308 $68,390,000 $222,045 $3,855 2.85%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 161 $66,565,000 $413,447 $5,666 2.98%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 107 $58,435,000 $546,121 $6,050 3.06%
JACKSONVILLE, FL (FHA|USDA|VA) 301 $57,395,000 $190,681 $5,322 3.07%
ST. CLOUD, MN (FHA|USDA|VA) 286 $48,990,000 $171,294 $3,769 2.68%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 106 $40,880,000 $385,660 $5,921 2.96%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 63 $38,805,000 $615,952 $9,826 3.12%
VALLEJO, CA (FHA|USDA|VA) 97 $38,635,000 $398,299 $6,843 2.80%
STOCKTON, CA (FHA|USDA|VA) 144 $35,610,000 $247,292 $6,691 2.51%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 100 $34,230,000 $342,300 $5,115 3.34%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 118 $27,190,000 $230,424 $5,021 2.97%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 108 $25,010,000 $231,574 $4,952 3.11%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 96 $24,570,000 $255,938 $5,148 3.29%
SANTA FE, NM (FHA|USDA|VA) 54 $21,970,000 $406,852 $4,286 3.01%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 73 $21,955,000 $300,753 $5,611 3.28%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 40 $18,050,000 $451,250 $6,371 2.88%
RENO, NV (FHA|USDA|VA) 55 $16,945,000 $308,091 $5,024 3.26%
Jefferson, GA (FHA|USDA|VA) 50 $16,080,000 $321,600 $6,385 3.18%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 44 $14,760,000 $335,455 $6,335 3.21%
TUCSON, AZ (FHA|USDA|VA) 49 $13,985,000 $285,408 $5,642 3.11%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 38 $12,970,000 $341,316 $6,907 3.20%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 31 $12,655,000 $408,226 $5,390 3.17%
GAINESVILLE, GA (FHA|USDA|VA) 41 $11,145,000 $271,829 $5,487 3.18%
Cornelia, GA (FHA|USDA|VA) 58 $10,850,000 $187,069 $4,380 3.20%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 49 $10,615,000 $216,633 $5,288 3.17%
ANCHORAGE, AK (FHA|USDA|VA) 25 $9,725,000 $389,000 $6,952 3.02%
COLUMBIA, SC (FHA|USDA|VA) 61 $9,335,000 $153,033 $4,530 2.57%
FLAGSTAFF, AZ (FHA|USDA|VA) 25 $9,065,000 $362,600 $4,170 3.30%
MODESTO, CA (FHA|USDA|VA) 32 $8,950,000 $279,688 $7,996 2.92%
Show Low, AZ (FHA|USDA|VA) 27 $8,755,000 $324,259 $4,159 3.24%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 19 $7,955,000 $418,684 $5,447 3.32%
Willmar, MN (FHA|USDA|VA) 51 $7,945,000 $155,784 $2,929 2.67%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 33 $7,695,000 $233,182 $6,200 2.88%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 22 $7,660,000 $348,182 $4,869 3.14%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $6,460,000 $807,500 $7,658 3.33%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 19 $6,215,000 $327,105 $3,995 3.13%
SPARTANBURG, SC (FHA|USDA|VA) 33 $6,205,000 $188,030 $5,252 2.90%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 29 $5,965,000 $205,690 $5,745 3.11%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 25 $5,725,000 $229,000 $5,931 3.44%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 20 $5,090,000 $254,500 $5,101 2.98%
Payson, AZ (FHA|USDA|VA) 16 $5,050,000 $315,625 $5,943 3.21%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 11 $4,815,000 $437,727 $5,393 3.11%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $3,555,000 $711,000 $4,444 3.23%
Marshall, MN (FHA|USDA|VA) 29 $3,345,000 $115,345 $3,034 2.65%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 11 $3,135,000 $285,000 $6,615 3.36%
ALBUQUERQUE, NM (FHA|USDA|VA) 9 $2,975,000 $330,556 $6,998 3.08%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 12 $2,970,000 $247,500 $5,276 3.41%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 15 $2,745,000 $183,000 $6,017 2.70%
Fergus Falls, MN (FHA|USDA|VA) 16 $2,530,000 $158,125 $3,546 2.73%
Toccoa, GA (FHA|USDA|VA) 16 $2,490,000 $155,625 $5,078 3.33%
Alexandria, MN (FHA|USDA|VA) 6 $2,020,000 $336,667 $4,375 2.31%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $1,955,000 $391,000 $3,630 3.13%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $1,930,000 $241,250 $5,273 3.27%
SAVANNAH, GA (FHA|USDA|VA) 9 $1,915,000 $212,778 $4,832 3.04%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $1,775,000 $355,000 $6,432 2.70%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,700,000 $283,333 $4,981 3.23%
KNOXVILLE, TN (FHA|USDA|VA) 4 $1,690,000 $422,500 $4,818 2.97%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $1,675,000 $239,286 $5,038 3.18%
DULUTH, MN-WI (FHA|USDA|VA) 10 $1,600,000 $160,000 $3,866 3.06%
SIOUX FALLS, SD (FHA|USDA|VA) 7 $1,425,000 $203,571 $4,176 3.11%
NAPA, CA (FHA|USDA|VA) 3 $1,415,000 $471,667 $3,520 3.50%
MERCED, CA (FHA|USDA|VA) 6 $1,350,000 $225,000 $4,049 2.44%
PANAMA CITY, FL (FHA|USDA|VA) 3 $1,345,000 $448,333 $7,414 3.17%
Fernley, NV (FHA|USDA|VA) 4 $1,340,000 $335,000 $10,577 3.34%
Brainerd, MN (FHA|USDA|VA) 5 $1,325,000 $265,000 $3,921 3.30%
FARGO, ND-MN (FHA|USDA|VA) 4 $1,240,000 $310,000 $3,758 3.28%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $1,220,000 $610,000 $5,236 4.06%
BRUNSWICK, GA (FHA|USDA|VA) 4 $1,160,000 $290,000 $8,562 3.38%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,155,000 $231,000 $3,977 3.23%
WICHITA, KS (FHA|USDA|VA) 5 $1,135,000 $227,000 $3,586 3.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,135,000 $378,333 $5,930 3.54%
Seneca, SC (FHA|USDA|VA) 4 $1,090,000 $272,500 $5,588 3.53%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,085,000 $361,667 $4,812 3.25%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $1,070,000 $267,500 $6,008 2.97%
Albemarle, NC (FHA|USDA|VA) 8 $1,040,000 $130,000 $4,450 2.02%
YUBA CITY, CA (FHA|USDA|VA) 3 $1,035,000 $345,000 $3,363 3.08%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3 $995,000 $331,667 $2,677 2.92%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $985,000 $328,333 $4,492 3.29%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $925,000 $308,333 $4,326 2.96%
TYLER, TX (FHA|USDA|VA) 3 $855,000 $285,000 $8,900 2.67%
OCALA, FL (FHA|USDA|VA) 5 $845,000 $169,000 $6,636 2.85%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 7 $845,000 $120,714 $3,615 2.88%
Alexander City, AL (FHA|USDA|VA) 2 $820,000 $410,000 $3,696 3.75%
BOISE CITY, ID (FHA|USDA|VA) 2 $810,000 $405,000 $9,914 3.38%
Spirit Lake, IA (FHA|USDA|VA) 4 $800,000 $200,000 $4,818 3.03%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $770,000 $385,000 $15,663 3.13%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $760,000 $380,000 $4,219 3.06%
ROCHESTER, MN (FHA|USDA|VA) 4 $760,000 $190,000 $1,691 2.34%
MEDFORD, OR (FHA|USDA|VA) 1 $745,000 $745,000 $7,133 3.38%
BOULDER, CO (FHA|USDA|VA) 2 $740,000 $370,000 $2,592 3.19%
ROME, GA (FHA|USDA|VA) 3 $715,000 $238,333 $9,276 3.79%
BEND, OR (FHA|USDA|VA) 2 $710,000 $355,000 $4,779 3.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $680,000 $340,000 $10,910 3.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $680,000 $340,000 $10,310 2.75%
GRAND FORKS, ND-MN (FHA|USDA|VA) 2 $670,000 $335,000 $6,269 3.31%
FAIRBANKS, AK (FHA|USDA|VA) 2 $670,000 $335,000 $6,587 3.13%
Greenwood, SC (FHA|USDA|VA) 3 $665,000 $221,667 $5,267 3.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $655,000 $218,333 $5,328 3.08%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $645,000 $645,000 $13,948 3.88%
Breckenridge, CO (FHA|USDA|VA) 1 $635,000 $635,000 $4,881 2.63%
ASHEVILLE, NC (FHA|USDA|VA) 3 $625,000 $208,333 $4,982 3.04%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $605,000 $201,667 $6,216 3.33%
CHICO, CA (FHA|USDA|VA) 2 $580,000 $290,000 $5,882 3.94%
Las Vegas, NM (FHA|USDA|VA) 3 $565,000 $188,333 $4,171 3.42%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $560,000 $280,000 $5,672 3.13%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 4 $540,000 $135,000 $4,099 3.34%
MADERA, CA (FHA|USDA|VA) 2 $540,000 $270,000 $4,951 3.19%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $535,000 $535,000 $3,275 2.88%
Nogales, AZ (FHA|USDA|VA) 2 $530,000 $265,000 $3,966 3.31%
Sonora, CA (FHA|USDA|VA) 4 $530,000 $132,500 $7,903 1.81%
WILMINGTON, NC (FHA|USDA|VA) 1 $525,000 $525,000 $5,970 3.13%
CARSON CITY, NV (FHA|USDA|VA) 2 $520,000 $260,000 $2,919 3.00%
Safford, AZ (FHA|USDA|VA) 2 $520,000 $260,000 $6,357 3.19%
Hutchinson, MN (FHA|USDA|VA) 3 $515,000 $171,667 $5,028 3.13%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $500,000 $250,000 $3,891 3.19%
Key West, FL (FHA|USDA|VA) 2 $500,000 $250,000 $4,834 3.06%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $495,000 $495,000 $4,395 3.38%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $495,000 $165,000 $4,330 3.13%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $485,000 $485,000 $5,975 3.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $485,000 $485,000 $3,699 2.88%
GADSDEN, AL (FHA|USDA|VA) 2 $460,000 $230,000 $5,904 3.44%
LAS CRUCES, NM (FHA|USDA|VA) 1 $455,000 $455,000 $3,780 2.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $455,000 $455,000 $20,702 3.00%
Calhoun, GA (FHA|USDA|VA) 3 $445,000 $148,333 $5,709 3.58%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $445,000 $445,000 $10,097 3.38%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $440,000 $220,000 $5,631 3.38%
FRESNO, CA (FHA|USDA|VA) 2 $440,000 $220,000 $4,324 3.56%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $435,000 $435,000 $3,826 3.00%
New Ulm, MN (FHA|USDA|VA) 5 $415,000 $83,000 $2,699 1.88%
VICTORIA, TX (FHA|USDA|VA) 3 $405,000 $135,000 $4,359 3.33%
MONTGOMERY, AL (FHA|USDA|VA) 3 $405,000 $135,000 $4,122 2.96%
Storm Lake, IA (FHA|USDA|VA) 3 $405,000 $135,000 $3,401 1.83%
Heber, UT (FHA|USDA|VA) 1 $375,000 $375,000 $7,869 3.38%
GAINESVILLE, FL (FHA|USDA|VA) 3 $375,000 $125,000 $5,563 2.21%
Fallon, NV (FHA|USDA|VA) 2 $370,000 $185,000 $4,499 3.63%
Talladega-Sylacauga, AL (FHA|USDA|VA) 3 $365,000 $121,667 $4,498 3.50%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $360,000 $180,000 $4,245 3.38%
YUMA, AZ (FHA|USDA|VA) 2 $360,000 $180,000 $6,207 3.56%
Thomaston, GA (FHA|USDA|VA) 2 $360,000 $180,000 $4,525 3.56%
Brenham, TX (FHA|USDA|VA) 1 $355,000 $355,000 $4,303 3.13%
DALTON, GA (FHA|USDA|VA) 2 $350,000 $175,000 $6,299 3.06%
Glenwood Springs, CO (FHA|USDA|VA) 1 $345,000 $345,000 $0 3.13%
Gaffney, SC (FHA|USDA|VA) 5 $345,000 $69,000 $4,079 2.05%
ABILENE, TX (FHA|USDA|VA) 2 $330,000 $165,000 $3,476 3.31%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $325,000 $108,333 $3,219 3.17%
EspaƱola, NM (FHA|USDA|VA) 1 $325,000 $325,000 $4,284 3.00%
Juneau, AK (FHA|USDA|VA) 1 $325,000 $325,000 $9,420 2.88%
Pahrump, NV (FHA|USDA|VA) 1 $325,000 $325,000 $9,220 2.88%
Susanville, CA (FHA|USDA|VA) 1 $325,000 $325,000 $3,794 3.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $305,000 $305,000 $10,241 2.63%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $9,690 3.13%
Palatka, FL (FHA|USDA|VA) 3 $295,000 $98,333 $3,983 2.17%
Cullowhee, NC (FHA|USDA|VA) 1 $295,000 $295,000 $2,598 3.38%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $290,000 $145,000 $4,755 3.44%
Traverse City, MI (FHA|USDA|VA) 1 $285,000 $285,000 $4,546 3.50%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $285,000 $285,000 $11,695 2.63%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $275,000 $275,000 $9,421 3.50%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $270,000 $135,000 $4,344 3.75%
Brownwood, TX (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.75%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $265,000 $265,000 $2,002 3.13%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $265,000 $265,000 $10,147 3.00%
Fredericksburg, TX (FHA|USDA|VA) 1 $255,000 $255,000 $10,604 3.50%
SALINAS, CA (FHA|USDA|VA) 1 $255,000 $255,000 $3,471 2.88%
Spencer, IA (FHA|USDA|VA) 1 $245,000 $245,000 $1,019 2.63%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $240,000 $120,000 $4,702 2.00%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $240,000 $120,000 $2,474 2.94%
Mason City, IA (FHA|USDA|VA) 1 $235,000 $235,000 $6,776 3.13%
Bemidji, MN (FHA|USDA|VA) 1 $235,000 $235,000 $3,648 3.25%
Pecos, TX (FHA|USDA|VA) 1 $225,000 $225,000 $13,919 3.75%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,623 3.63%
Rockport, TX (FHA|USDA|VA) 1 $225,000 $225,000 $2,739 2.63%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $215,000 $215,000 $3,197 3.25%
Athens, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,740 2.88%
MOBILE, AL (FHA|USDA|VA) 1 $215,000 $215,000 $3,139 3.38%
LUBBOCK, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,919 4.00%
Hastings, NE (FHA|USDA|VA) 1 $205,000 $205,000 $3,183 3.25%
Grand Rapids, MN (FHA|USDA|VA) 2 $200,000 $100,000 $3,937 2.88%
Waycross, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,576 3.25%
Ontario, OR-ID (FHA|USDA|VA) 1 $195,000 $195,000 $4,018 3.75%
Cullman, AL (FHA|USDA|VA) 1 $195,000 $195,000 $5,544 3.13%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $185,000 $185,000 $3,463 3.13%
El Campo, TX (FHA|USDA|VA) 1 $185,000 $185,000 $7,522 3.00%
Brookings, SD (FHA|USDA|VA) 1 $185,000 $185,000 $3,480 3.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $2,719 3.50%
Jasper, AL (FHA|USDA|VA) 1 $175,000 $175,000 $8,096 4.13%
Oak Harbor, WA (FHA|USDA|VA) 1 $175,000 $175,000 $2,833 3.50%
MIDLAND, TX (FHA|USDA|VA) 1 $165,000 $165,000 $2,760 2.75%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $160,000 $80,000 $6,864 3.50%
Newberry, SC (FHA|USDA|VA) 1 $155,000 $155,000 $5,105 3.00%
Statesboro, GA (FHA|USDA|VA) 1 $155,000 $155,000 $6,355 3.88%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,235 2.88%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.50%
MANKATO, MN (FHA|USDA|VA) 2 $150,000 $75,000 $3,404 2.75%
Georgetown, SC (FHA|USDA|VA) 1 $145,000 $145,000 $6,275 4.00%
VALDOSTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,788 3.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $135,000 $135,000 $2,733 3.25%
Cedartown, GA (FHA|USDA|VA) 1 $135,000 $135,000 $6,222 3.63%
North Wilkesboro, NC (FHA|USDA|VA) 1 $135,000 $135,000 $5,258 3.63%
Albert Lea, MN (FHA|USDA|VA) 1 $125,000 $125,000 $2,852 3.25%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $125,000 $125,000 $5,418 3.50%
Elko, NV (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.88%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $120,000 $60,000 $2,423 1.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $105,000 $105,000 $2,774 3.63%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.63%
Moultrie, GA (FHA|USDA|VA) 1 $95,000 $95,000 $7,602 3.13%
SUMTER, SC (FHA|USDA|VA) 2 $90,000 $45,000 $2,936 1.56%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,901 3.38%
Marion, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,888 3.38%
GREENVILLE, NC (FHA|USDA|VA) 1 $65,000 $65,000 $4,392 3.63%

Homeowners Financial Group Usa 's top markets include Phoenix, Atlanta, Tampa, Santa Maria, and Austin among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 8,590 $2,789,510,000 $324,739 $4,684 3.11%
FHA 1,433 $363,675,000 $253,786 $9,249 3.28%
VA 591 $224,445,000 $379,772 $7,959 2.93%
USDA 90 $17,340,000 $192,667 $5,783 3.11%

For the 2021 period, Homeowners Financial Group Usa 's most frequently originated loan type of loans were Conventional, with 8,590 originations. Their 2nd most popular type is FHA, with 1,433 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 6,859 $2,194,475,000 $319,941 $6,144 3.11%
Refi 2,068 $649,500,000 $314,072 $3,798 3.01%
Home Improvement 1,770 $549,030,000 $310,186 $4,864 3.31%
Cash Out Refi 6 $1,540,000 $256,667 $6,013 3.17%
Other 1 $425,000 $425,000 $3,557 4.25%

For the 2021, Homeowners Financial Group Usa 's most frequently cited loan purpose of loans were Home Purchase, with 6,859 originations. The 2nd most popular reason of loans were Refi, with 2,068 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 9,762 $3,196,340,000 $327,427 $5,664 3.17%
15 Year 604 $146,290,000 $242,202 $3,722 2.64%
20 Year 144 $34,750,000 $241,319 $3,849 3.11%
10 Year 126 $6,160,000 $48,889 $1,042 2.51%
Other 44 $11,210,000 $254,773 $3,727 3.05%
5 Year 24 $220,000 $9,167 $0 0.17%

For the 2021, Homeowners Financial Group Usa 's most frequently cited loan length of loans were 30 Year, with 9,762 originations. The 2nd most popular length of loans were 15 Year, with 604 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 5,820 $1,927,960,000 $331,265
$2k-3k 1,416 $414,870,000 $292,987
$3k-4k 1,332 $422,170,000 $316,944
$<1k 1,213 $226,545,000 $186,764
$5k+ 737 $351,595,000 $477,062

$5,664 of loans were Homeowners Financial Group Usa 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 5,820 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 6,033 $1,953,205,000 $323,754
2.5-3% 3,406 $1,178,190,000 $345,916
<2.5% 842 $154,850,000 $183,907
4-5% 400 $106,520,000 $266,300
5-6% 16 $2,070,000 $129,375
7-8% 5 $35,000 $7,000
6-7% 1 $95,000 $95,000
Over 8% 1 $5,000 $5,000

During 2021, Homeowners Financial Group Usa 's average interest rate of loans were 3.17%, while their most frequently originated rate bucket of loans were 3-4%, with 6,033 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 5,404 $1,557,560,000 $288,224 $5,631 3.24%
$100k-200k 2,120 $332,290,000 $156,741 $4,310 3.22%
$400k-600k 1,883 $910,625,000 $483,603 $6,273 3.17%
$100,000 or less 639 $22,785,000 $35,657 $1,388 1.78%
$600k-1MM 488 $354,150,000 $725,717 $8,068 3.13%
$1MM+ 170 $217,560,000 $1,279,765 $10,109 3.04%

2021 saw Homeowners Financial Group Usa place emphasis on $200k-400k loans with 5,404 originations, totaling $1,557,560,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 2,546 $600,670,000 $235,927 $5,218 3.10%
$100k-150k 2,197 $779,535,000 $354,818 $5,723 3.20%
$75k-100k 1,924 $565,480,000 $293,909 $5,686 3.17%
$50k or less 1,764 $294,800,000 $167,120 $4,325 2.95%
$150k-250k 1,517 $672,045,000 $443,009 $5,754 3.19%
$250k+ 753 $481,645,000 $639,635 $6,860 3.17%

Homeowners Financial Group Usa lent most frequently to those with incomes in the $50k-75k range, with 2,546 originations. The second most popular income band? $100k-150k, with 2,197 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,972 $647,000,000 $328,093 $4,914 3.11%
30-36% 1,894 $627,150,000 $331,125 $5,160 3.18%
<20% 667 $216,985,000 $325,315 $4,653 3.06%
44% 596 $170,530,000 $286,124 $5,394 3.09%
42% 474 $146,390,000 $308,840 $5,533 3.09%
43% 467 $141,765,000 $303,565 $5,607 3.14%
41% 456 $138,940,000 $304,693 $5,433 3.11%
50-60% 454 $134,120,000 $295,419 $9,129 3.00%
38% 420 $136,390,000 $324,738 $5,302 3.21%
39% 415 $132,125,000 $318,373 $5,544 3.19%
37% 404 $126,380,000 $312,822 $5,634 3.13%
40% 404 $129,960,000 $321,683 $5,291 3.14%
49% 390 $125,680,000 $322,256 $6,279 3.18%
45% 346 $105,440,000 $304,740 $5,652 3.13%
36% 342 $109,250,000 $319,444 $5,502 3.14%
46% 315 $98,375,000 $312,302 $6,007 3.16%
47% 296 $89,350,000 $301,858 $5,766 3.15%
48% 289 $87,805,000 $303,824 $5,516 3.14%
>60% 13 $3,875,000 $298,077 $6,439 2.73%

Homeowners Financial Group Usa lent most frequently to those with DTI ratios of 20-30%, with 1,972 originations. The next most common DTI ratio? 30-36%, with 1,894 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 6,560 $2,064,130,000 $314,654 $5,262 3.11%
Not provided 3,071 $1,019,045,000 $331,828 $5,769 3.15%
Asian 439 $143,275,000 $326,367 $5,460 3.15%
Black 522 $135,700,000 $259,962 $6,082 3.19%
American Indian 72 $20,140,000 $279,722 $5,340 2.97%
Native Hawaiian 20 $5,490,000 $274,500 $5,347 3.04%
Filipino 5 $2,335,000 $467,000 $9,464 3.30%
Asian Indian 8 $2,230,000 $278,750 $5,164 2.94%
Other Asian 3 $1,625,000 $541,667 $6,495 2.75%
Vietnamese 2 $430,000 $215,000 $3,367 2.75%
Korean 1 $425,000 $425,000 $4,302 2.75%
Chinese 1 $145,000 $145,000 $2,478 2.88%

Approval Rates

Total approvals of all applications
95.08%

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 origination
74.37%

Homeowners Financial Group Usa has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 10,704 $3,394,970,000 $317,168

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
10,704 $3,394,970,000 $317,168

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 485 $119,235,000 $245,845 $3,974 3.02%
40-60% 1,445 $455,365,000 $315,131 $4,201 3.06%
60-80% 3,460 $1,224,860,000 $354,006 $5,046 3.25%
80-100% 4,724 $1,529,400,000 $323,751 $6,403 3.25%
Over 100% 124 $53,430,000 $430,887 $17,293 2.95%
Under 20% 466 $12,680,000 $27,210 $523 1.26%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
HOMEOWNERS FINANCIAL GROUP USA FHA mortgage Closing on a mortgage 1 100.0%