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

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Homeowners Financial Group Usa is a mid-sized mortgage company specializing in 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 Austin among others. We have data for 218 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 an average 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.

    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 7.04% 12/4/22
    30 Year Conventional Refi 6.87% 12/4/22
    30 Year Cash-out Refi 7.14% 12/4/22
    30 Year FHA Purchase 8.00% 12/4/22
    30 Year FHA Refi 7.45% 12/4/22
    30 Year VA Purchase 6.75% 12/4/22
    30 Year VA Refi 6.47% 12/4/22
    30 Year USDA Purchase 7.32% 12/4/22
    30 Year USDA Refi 6.98% 12/4/22
    15 Year Conventional Purchase 6.30% 12/4/22
    15 Year Conventional Refi 6.19% 12/4/22
    15 Year Cash-out Refi 6.19% 12/4/22
    15 Year FHA Refi 7.95% 12/4/22
    15 Year VA Purchase 6.75% 12/4/22
    15 Year VA Refi 6.12% 12/4/22
    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.


    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 mortgage rate was 3.17%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.02%.

    Relative Fees (Closing Costs)

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

    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 $4,750.

    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) 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.

    Their top states include:
  • Arizona (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • 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.

    SANDIA LABORATORY
    Similarity Rank: 140
    Los Angeles Federal Credit Union
    Similarity Rank: 170
    Liberty Bank Minnesota
    Similarity Rank: 320
    Great Basin Federal Credit Union
    Similarity Rank: 348
    BankVista
    Similarity Rank: 408
    CAROLINA FOOTHILLS
    Similarity Rank: 484
    AAXY L.L.C.
    Similarity Rank: 486
    Del Norte Credit Union
    Similarity Rank: 488
    American Bank of the North
    Similarity Rank: 520
    GUADALUPE CREDIT UNION
    Similarity Rank: 525

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Homeowners Financial Group Usa's most frequently originated type of loan was Conventional, with 8,590 originations. Their 2nd most popular type was FHA, with 1,433 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Homeowners Financial Group Usa's most frequently cited loan purpose was Home Purchase, with 6,859 originations. The 2nd most popular reason was 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 2021, Homeowners Financial Group Usa's most frequently cited loan duration was 30 Year, with 9,762 originations. The 2nd most popular length was 15 Year, with 604 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 5,820 $1,927,960,000 $331,265
    $2k-3k 1,416 $414,870,000 $292,987
    $<1k 1,213 $226,545,000 $186,764
    $3k-4k 858 $257,730,000 $300,385
    $5k+ 737 $351,595,000 $477,062
    $4k-5k 474 $164,440,000 $346,920

    Homeowners Financial Group Usa's average total fees were $5,664, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.17%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    95.44%

    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
    72.34%

    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%