Homeowners Financial Group Usa Mortgage Rates, Fees & Info
SCOTTSDALE, AZLEI: 549300NJVKCDJA5YC939
Tax ID: 20-0640473
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Mortgage Data
Review & Overview
Homeowners Financial Group Usa is a small mortgage company specializing in Home Purchase loans. Homeowners Financial Group Usa has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Atlanta, Tampa, Prescott Valley, and Santa Maria among others. We have data for 201 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.38% | 5/28/23 |
| 30 Year Conventional Refi | 6.61% | 5/28/23 |
| 30 Year Cash-out Refi | 6.80% | 5/28/23 |
| 30 Year FHA Purchase | 7.52% | 5/28/23 |
| 30 Year FHA Refi | 7.12% | 5/28/23 |
| 30 Year VA Purchase | 6.40% | 5/28/23 |
| 30 Year VA Refi | 6.22% | 5/28/23 |
| 30 Year USDA Purchase | 6.95% | 5/28/23 |
| 15 Year Conventional Purchase | 6.14% | 5/28/23 |
| 15 Year Conventional Refi | 6.19% | 5/28/23 |
| 15 Year Cash-out Refi | 6.19% | 5/28/23 |
| 15 Year VA Purchase | 6.38% | 5/28/23 |
| 15 Year VA Refi | 5.68% | 5/28/23 |
| 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
6,241Origination Dollar Volume (All Markets)
$2,079,345,000Awards
HOMEOWNERS FINANCIAL GROUP USA - 2022
HOMEOWNERS FINANCIAL GROUP USA is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Homeowners Financial Group Usa's average 30 year fixed mortgage rate was
4.83%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.07%.
Relative Fees (Closing Costs)
Homeowners Financial Group Usa's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,575.
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) | 1,574 | $648,350,000 | $411,912 | $8,640 | 4.84% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 898 | $300,990,000 | $335,178 | $9,082 | 5.16% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 699 | $208,115,000 | $297,732 | $8,560 | 4.90% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 189 | $67,535,000 | $357,328 | $6,469 | 5.15% |
| Outside of Metro Areas | 317 | $60,055,000 | $189,448 | $6,050 | 4.51% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 82 | $59,400,000 | $724,390 | $14,748 | 4.65% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 93 | $39,475,000 | $424,462 | $8,276 | 4.88% |
| STOCKTON, CA (FHA|USDA|VA) | 130 | $37,380,000 | $287,538 | $10,055 | 3.87% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 79 | $37,185,000 | $470,696 | $12,324 | 4.26% |
| ST. CLOUD, MN (FHA|USDA|VA) | 229 | $36,925,000 | $161,245 | $4,481 | 4.40% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 48 | $31,160,000 | $649,167 | $9,989 | 4.12% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 95 | $30,185,000 | $317,737 | $9,847 | 3.80% |
| ANCHORAGE, AK (FHA|USDA|VA) | 72 | $27,900,000 | $387,500 | $8,324 | 5.10% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 39 | $26,465,000 | $678,590 | $12,908 | 4.57% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 114 | $24,740,000 | $217,018 | $7,678 | 4.68% |
| VALLEJO, CA (FHA|USDA|VA) | 55 | $23,625,000 | $429,545 | $11,911 | 4.41% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 123 | $23,205,000 | $188,659 | $6,361 | 3.46% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 35 | $23,175,000 | $662,143 | $11,941 | 4.40% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 57 | $20,705,000 | $363,246 | $9,012 | 5.21% |
| Jefferson, GA (FHA|USDA|VA) | 43 | $18,785,000 | $436,860 | $9,805 | 5.03% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 86 | $16,520,000 | $192,093 | $5,489 | 4.79% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 69 | $16,375,000 | $237,319 | $7,361 | 5.37% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 35 | $14,525,000 | $415,000 | $11,048 | 5.15% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 48 | $14,150,000 | $294,792 | $7,975 | 4.97% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 52 | $13,060,000 | $251,154 | $7,571 | 5.18% |
| Alamogordo, NM (FHA|USDA|VA) | 71 | $12,915,000 | $181,901 | $5,770 | 5.38% |
| GAINESVILLE, GA (FHA|USDA|VA) | 38 | $11,670,000 | $307,105 | $10,907 | 5.65% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 29 | $9,995,000 | $344,655 | $8,747 | 4.47% |
| Cornelia, GA (FHA|USDA|VA) | 41 | $9,955,000 | $242,805 | $8,024 | 5.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 21 | $9,125,000 | $434,524 | $7,729 | 5.17% |
| MODESTO, CA (FHA|USDA|VA) | 33 | $9,045,000 | $274,091 | $9,794 | 3.78% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 19 | $8,095,000 | $426,053 | $12,984 | 4.68% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 27 | $6,915,000 | $256,111 | $9,147 | 5.15% |
| SPARTANBURG, SC (FHA|USDA|VA) | 38 | $6,830,000 | $179,737 | $7,097 | 3.72% |
| COLUMBIA, SC (FHA|USDA|VA) | 44 | $6,760,000 | $153,636 | $5,995 | 3.61% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 16 | $6,510,000 | $406,875 | $9,044 | 4.92% |
| Willmar, MN (FHA|USDA|VA) | 52 | $6,490,000 | $124,808 | $4,218 | 3.97% |
| RENO, NV (FHA|USDA|VA) | 17 | $6,375,000 | $375,000 | $8,350 | 4.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 22 | $6,050,000 | $275,000 | $9,157 | 5.12% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 16 | $6,000,000 | $375,000 | $6,388 | 3.95% |
| TUCSON, AZ (FHA|USDA|VA) | 20 | $5,350,000 | $267,500 | $6,625 | 4.69% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 16 | $5,120,000 | $320,000 | $8,832 | 4.85% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 13 | $4,815,000 | $370,385 | $9,613 | 4.82% |
| Show Low, AZ (FHA|USDA|VA) | 11 | $4,195,000 | $381,364 | $7,133 | 5.16% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 9 | $3,595,000 | $399,444 | $7,675 | 5.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $3,490,000 | $436,250 | $10,277 | 5.39% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $3,470,000 | $578,333 | $7,539 | 4.21% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 8 | $3,120,000 | $390,000 | $7,541 | 4.67% |
| Toccoa, GA (FHA|USDA|VA) | 15 | $2,715,000 | $181,000 | $6,614 | 5.52% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $2,600,000 | $650,000 | $15,235 | 4.66% |
| Oxford, MS (FHA|USDA|VA) | 10 | $2,430,000 | $243,000 | $6,770 | 5.19% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $2,330,000 | $291,250 | $14,348 | 5.30% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $2,210,000 | $552,500 | $7,938 | 5.50% |
| Nogales, AZ (FHA|USDA|VA) | 6 | $2,180,000 | $363,333 | $5,066 | 5.27% |
| SAVANNAH, GA (FHA|USDA|VA) | 8 | $2,120,000 | $265,000 | $10,392 | 5.48% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $2,110,000 | $351,667 | $6,878 | 5.69% |
| MERCED, CA (FHA|USDA|VA) | 10 | $1,840,000 | $184,000 | $7,267 | 3.20% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,795,000 | $598,333 | $10,220 | 5.29% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 9 | $1,795,000 | $199,444 | $8,513 | 5.67% |
| Marshall, MN (FHA|USDA|VA) | 11 | $1,775,000 | $161,364 | $4,651 | 4.59% |
| Calhoun, GA (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $7,440 | 4.81% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,675,000 | $558,333 | $6,589 | 4.25% |
| NAPA, CA (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $8,630 | 4.66% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,565,000 | $521,667 | $16,563 | 5.67% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $13,033 | 4.46% |
| Alexandria, MN (FHA|USDA|VA) | 10 | $1,450,000 | $145,000 | $3,217 | 3.70% |
| Payson, AZ (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $7,633 | 5.33% |
| Spirit Lake, IA (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $9,545 | 5.17% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 8 | $1,380,000 | $172,500 | $5,118 | 5.86% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $13,037 | 5.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $8,355 | 5.47% |
| YUMA, AZ (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $9,965 | 5.34% |
| WILMINGTON, NC (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $8,137 | 3.83% |
| CHICO, CA (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $7,930 | 5.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $3,799 | 5.06% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $4,974 | 3.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $8,419 | 4.90% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $8,643 | 4.50% |
| Fergus Falls, MN (FHA|USDA|VA) | 8 | $1,100,000 | $137,500 | $5,265 | 4.16% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $6,799 | 5.85% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $11,972 | 5.13% |
| Brainerd, MN (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $4,568 | 5.85% |
| REDDING, CA (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $5,971 | 6.92% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $6,112 | 5.91% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $4,386 | 5.75% |
| Seneca, SC (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $5,874 | 5.21% |
| Statesboro, GA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $7,017 | 5.63% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $13,072 | 5.75% |
| BEND, OR (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $4,895 | 4.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $10,803 | 4.28% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $8,725 | 5.72% |
| FAIRBANKS, AK (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $12,324 | 4.13% |
| DULUTH, MN-WI (FHA|USDA|VA) | 9 | $815,000 | $90,556 | $3,231 | 4.18% |
| OCALA, FL (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $5,395 | 5.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $275 | 2.15% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $3,961 | 4.69% |
| Cedartown, GA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $7,908 | 5.25% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $11,202 | 5.25% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $6,583 | 5.44% |
| MADERA, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $18,634 | 4.63% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $4,140 | 2.83% |
| Albemarle, NC (FHA|USDA|VA) | 7 | $695,000 | $99,286 | $3,942 | 3.11% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $7,260 | 3.38% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $9,004 | 4.79% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $6,339 | 3.88% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $10,886 | 4.56% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,147 | 4.56% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,425 | 4.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $3,454 | 3.38% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $15,190 | 2.88% |
| Key West, FL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $7,552 | 4.88% |
| Palatka, FL (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $4,623 | 3.20% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $10,846 | 5.06% |
| Clearlake, CA (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $13,431 | 4.58% |
| ROME, GA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $9,289 | 6.21% |
| Boone, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $10,075 | 3.13% |
| Jasper, AL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $4,908 | 4.92% |
| Safford, AZ (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $11,015 | 6.25% |
| Montrose, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $18,631 | 3.63% |
| Spencer, IA (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,392 | 3.08% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $11,575 | 5.50% |
| Rockport, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,444 | 4.69% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,261 | 5.00% |
| SALEM, OR (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,590 | 5.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,572 | 5.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,192 | 4.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $7,886 | 5.25% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,358 | 6.56% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $6,353 | 3.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $16,185 | 3.50% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $15,218 | 4.13% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $16,461 | 5.00% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,935 | 4.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,612 | 3.63% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,775 | 4.50% |
| Athens, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,173 | 5.00% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,464 | 3.38% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $18,791 | 6.38% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,756 | 5.38% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,428 | 5.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,903 | 5.38% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,545 | 4.88% |
| Silver City, NM (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,855 | 5.75% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,224 | 4.63% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,088 | 6.25% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,180 | 3.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $13,479 | 5.63% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,811 | 3.50% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,098 | 5.75% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,041 | 6.38% |
| Stevens Point, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,800 | 5.31% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,055 | 5.75% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,047 | 6.25% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,200 | 5.50% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,357 | 6.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,127 | 2.88% |
| Grand Rapids, MN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,080 | 7.63% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,575 | 6.00% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,324 | 6.13% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,449 | 4.88% |
| DALTON, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,659 | 5.25% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,294 | 5.00% |
| Fallon, NV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,029 | 6.25% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,106 | 5.13% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 7.50% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,675 | 6.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,765 | 5.75% |
| Jesup, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,310 | 5.75% |
| Fremont, NE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,617 | 6.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,239 | 3.63% |
| Washington, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,512 | 4.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,968 | 5.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,623 | 6.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,915 | 3.88% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,889 | 4.75% |
| Hastings, NE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,131 | 6.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,261 | 4.50% |
| Summerville, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,429 | 4.63% |
| Española, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,678 | 5.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,449 | 5.88% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $150 | 2.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,030 | 5.13% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,112 | 3.88% |
| North Platte, NE (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,233 | 6.63% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.75% |
| Cullman, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,567 | 5.13% |
| Elko, NV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,802 | 4.13% |
| Union, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,242 | 6.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,633 | 3.13% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,324 | 6.63% |
| Granbury, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,039 | 5.75% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,902 | 5.00% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,833 | 6.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,664 | 4.00% |
| Troy, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.50% |
| Freeport, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,075 | 7.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.88% |
| New Ulm, MN (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $2,889 | 5.63% |
| TULSA, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,559 | 6.50% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,521 | 5.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against HOMEOWNERS FINANCIAL GROUP USA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Homeowners Financial Group Usa's most frequently originated type of loan was Conventional, with 4,594 originations. Their 2nd most popular type was FHA, with 1,229 originations.
Loan Reason
For 2022, Homeowners Financial Group Usa's most frequently cited loan purpose was Home Purchase, with 5,273 originations. The 2nd most popular reason was Home Improvement, with 740 originations.
Loan Duration/Length
For 2022, Homeowners Financial Group Usa's most frequently cited loan duration was 30 Year, with 5,921 originations. The 2nd most popular length was 15 Year, with 159 originations.
Origination Fees/Closing Costs
Homeowners Financial Group Usa's average total fees were $8,575, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,890 originations.
Interest Rates
During 2022, Homeowners Financial Group Usa's average interest rate for loans was 4.83%, while their most frequently originated rate bucket for loans was 5-6%, with 1,898 originations.
Loan Sizing
2022 saw Homeowners Financial Group Usa place emphasis on $200k-400k loans with 2,894 originations, totaling $868,010,000 in origination value.
Applicant Income
Homeowners Financial Group Usa lent most frequently to those with incomes in the $50k-75k range, with 1,489 originations. The second most popular income band? $100k-150k, with 1,438 originations.
Applicant Debt to Income Ratio
Homeowners Financial Group Usa lent most frequently to those with DTI ratios of 30-36%, with 925 originations. The next most common DTI ratio? 20-30%, with 803 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.78%
Homeowners Financial Group Usa has an average approval rate.
Pick Rate
Approvals leading to origination60.73%
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 | 6,241 | $2,079,345,000 | $333,175 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6,241 | $2,079,345,000 | $333,175 |