Homeowners Financial Group Usa Mortgage Rates, Fees & Info
SCOTTSDALE, AZLEI: 549300NJVKCDJA5YC939
Tax ID: 20-0640473
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage 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
10,704Origination Dollar Volume (All Markets)
$3,394,970,000Awards
HOMEOWNERS FINANCIAL GROUP USA - 2021
HOMEOWNERS FINANCIAL GROUP USA is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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% |
| Española, 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 applications95.08%
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 origination74.37%
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% |
