Homeowners Financial Group Usa Mortgage Rates, Fees & Info

SCOTTSDALE, AZ

LEI: 549300NJVKCDJA5YC939

Tax ID: 20-0640473

5 stars - Updated: 6/16/24 - out of 5 stars, based on 68 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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% 6/16/24
30 Year Conventional Refi 6.61% 6/16/24
30 Year Cash-out Refi 6.80% 6/16/24
30 Year FHA Purchase 7.52% 6/16/24
30 Year FHA Refi 7.12% 6/16/24
30 Year VA Purchase 6.40% 6/16/24
30 Year VA Refi 6.22% 6/16/24
30 Year USDA Purchase 6.95% 6/16/24
15 Year Conventional Purchase 6.14% 6/16/24
15 Year Conventional Refi 6.19% 6/16/24
15 Year Cash-out Refi 6.19% 6/16/24
15 Year VA Purchase 6.38% 6/16/24
15 Year VA Refi 5.68% 6/16/24
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

4,572

Origination Dollar Volume (All Markets)

$1,452,180,000

Awards

HOMEOWNERS FINANCIAL GROUP USA VA Loans bronze HOMEOWNERS FINANCIAL GROUP USA FHA Loans gold
Show all (2) awards

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

Their top states include:
  • Georgia (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,028 $938,340,000 $309,888 $7,540 5.88%
    FHA 1,267 $405,845,000 $320,320 $14,300 6.61%
    VA 257 $103,975,000 $404,572 $10,547 6.41%
    USDA 20 $4,020,000 $201,000 $8,774 6.70%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,329 $1,379,655,000 $318,701 $9,679 6.08%
    Home Improvement 201 $55,715,000 $277,189 $8,454 6.69%
    Refi 40 $16,360,000 $409,000 $9,002 7.11%
    Cash Out Refi 2 $450,000 $225,000 $6,207 6.69%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,398 $1,435,610,000 $326,423 $9,879 6.13%
    10 Year 94 $1,460,000 $15,532 $402 7.09%
    15 Year 48 $11,110,000 $231,458 $6,528 5.40%
    20 Year 19 $3,825,000 $201,316 $6,950 4.71%
    5 Year 13 $175,000 $13,462 $53 0.00%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,896 $788,800,000 $416,034
    $<1k 651 $46,225,000 $71,006
    $4k-5k 536 $161,680,000 $301,642
    $3k-4k 499 $131,005,000 $262,535
    $2k-3k 477 $136,125,000 $285,377
    $1k-2k 458 $173,700,000 $379,258

    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

    Loan Rate Originations Total Value Average Loan
    6-7% 2,219 $780,965,000 $351,945
    7-8% 1,248 $437,910,000 $350,889
    5-6% 507 $185,365,000 $365,611
    <2.5% 466 $9,640,000 $20,687
    Over 8% 108 $29,150,000 $269,907
    4-5% 24 $9,150,000 $381,250

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,180 $659,890,000 $302,702 $10,385 6.75%
    $400k-600k 870 $414,280,000 $476,184 $12,969 6.74%
    $100,000 or less 592 $12,520,000 $21,149 $464 1.88%
    $100k-200k 581 $90,745,000 $156,188 $6,551 6.68%
    $600k-1MM 301 $212,365,000 $705,532 $14,078 6.79%
    $1MM+ 48 $62,380,000 $1,299,583 $22,924 7.02%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,160 $398,190,000 $343,267 $10,802 6.32%
    $75k-100k 1,063 $277,075,000 $260,654 $9,229 5.91%
    $50k-75k 926 $180,660,000 $195,097 $7,564 5.51%
    $150k-250k 759 $337,125,000 $444,170 $11,153 6.64%
    $250k+ 349 $214,425,000 $614,398 $12,179 6.99%
    $50k or less 305 $40,945,000 $134,246 $5,740 5.57%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 562 $185,960,000 $330,890 $9,062 6.36%
    50-60% 530 $182,090,000 $343,566 $14,071 6.38%
    20-30% 435 $137,345,000 $315,736 $8,058 6.47%
    49% 388 $124,150,000 $319,974 $9,976 6.01%
    47% 238 $70,250,000 $295,168 $8,961 5.72%
    48% 235 $77,425,000 $329,468 $10,012 6.12%
    43% 232 $72,030,000 $310,474 $8,962 5.86%
    44% 232 $65,190,000 $280,991 $9,000 5.61%
    45% 228 $61,320,000 $268,947 $8,317 5.79%
    46% 209 $63,685,000 $304,713 $9,128 5.94%
    42% 209 $67,385,000 $322,416 $9,265 5.75%
    41% 203 $70,155,000 $345,591 $9,906 6.13%
    40% 195 $60,005,000 $307,718 $8,573 6.01%
    38% 148 $54,380,000 $367,432 $9,477 6.40%
    39% 135 $42,835,000 $317,296 $8,773 6.01%
    36% 129 $39,625,000 $307,171 $8,560 6.24%
    <20% 123 $34,005,000 $276,463 $6,813 5.94%
    37% 122 $37,040,000 $303,607 $9,017 6.34%
    >60% 11 $4,105,000 $373,182 $12,775 6.70%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,584 $799,510,000 $309,408 $8,998 6.15%
    Not provided 1,322 $422,030,000 $319,236 $10,145 5.95%
    Asian 283 $109,815,000 $388,039 $10,379 6.32%
    Black 341 $107,365,000 $314,853 $11,622 6.31%
    American Indian 34 $10,610,000 $312,059 $9,662 6.44%
    Native Hawaiian or Islander 7 $2,285,000 $326,429 $9,215 5.82%
    Filipino 1 $565,000 $565,000 $5,694 6.50%

    Approval Rates

    Total approvals of all applications
    95.69%

    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 origination
    64.48%

    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

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 156 $29,010,000 $185,962 $5,770 6.00%
    40-60% 289 $90,985,000 $314,827 $7,625 6.72%
    60-80% 856 $340,720,000 $398,037 $10,141 6.88%
    80-100% 2,638 $949,330,000 $359,867 $11,592 6.75%
    Over 100% 78 $30,420,000 $390,000 $15,287 6.47%
    Under 20% 555 $11,715,000 $21,108 $340 1.58%