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 mid-sized mortgage company specializing in Home Purchase and Refi 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, Tampa, Atlanta, Santa Maria, and Austin among others. We have data for 189 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.38% | 4/18/24 |
| 30 Year Conventional Refi | 6.61% | 4/18/24 |
| 30 Year Cash-out Refi | 6.80% | 4/18/24 |
| 30 Year FHA Purchase | 7.52% | 4/18/24 |
| 30 Year FHA Refi | 7.12% | 4/18/24 |
| 30 Year VA Purchase | 6.40% | 4/18/24 |
| 30 Year VA Refi | 6.22% | 4/18/24 |
| 30 Year USDA Purchase | 6.95% | 4/18/24 |
| 15 Year Conventional Purchase | 6.14% | 4/18/24 |
| 15 Year Conventional Refi | 6.19% | 4/18/24 |
| 15 Year Cash-out Refi | 6.19% | 4/18/24 |
| 15 Year VA Purchase | 6.38% | 4/18/24 |
| 15 Year VA Refi | 5.68% | 4/18/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
10,680Origination Dollar Volume (All Markets)
$3,048,210,000Awards
HOMEOWNERS FINANCIAL GROUP USA - 2020
HOMEOWNERS FINANCIAL GROUP USA is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 4,020 | $1,204,850,000 | $299,714 | $4,694 | 3.30% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1,060 | $251,600,000 | $237,358 | $5,445 | 3.24% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 623 | $177,785,000 | $285,369 | $5,003 | 3.11% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 319 | $165,365,000 | $518,386 | $5,098 | 3.18% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 411 | $122,945,000 | $299,136 | $4,702 | 2.85% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 333 | $87,075,000 | $261,486 | $3,651 | 3.32% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 239 | $81,475,000 | $340,900 | $5,249 | 3.09% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 230 | $81,080,000 | $352,522 | $4,134 | 3.11% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 366 | $80,120,000 | $218,907 | $3,552 | 2.95% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 147 | $67,565,000 | $459,626 | $5,033 | 3.14% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 137 | $64,495,000 | $470,766 | $4,499 | 3.12% |
| SANTA FE, NM (FHA|USDA|VA) | 170 | $59,340,000 | $349,059 | $4,137 | 3.16% |
| Outside of Metro Areas | 275 | $51,615,000 | $187,691 | $4,302 | 3.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 270 | $50,060,000 | $185,407 | $5,503 | 3.11% |
| ST. CLOUD, MN (FHA|USDA|VA) | 292 | $47,430,000 | $162,432 | $3,546 | 2.88% |
| VALLEJO, CA (FHA|USDA|VA) | 116 | $46,080,000 | $397,241 | $6,764 | 3.07% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 90 | $27,020,000 | $300,222 | $4,742 | 3.36% |
| RENO, NV (FHA|USDA|VA) | 88 | $23,970,000 | $272,386 | $4,439 | 3.33% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 61 | $17,735,000 | $290,738 | $5,811 | 3.70% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 73 | $17,095,000 | $234,178 | $5,110 | 3.16% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 64 | $16,090,000 | $251,406 | $4,721 | 3.56% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 42 | $14,040,000 | $334,286 | $3,999 | 3.17% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 29 | $13,575,000 | $468,103 | $4,480 | 3.25% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 46 | $13,420,000 | $291,739 | $3,618 | 3.33% |
| Alamogordo, NM (FHA|USDA|VA) | 86 | $12,590,000 | $146,395 | $4,228 | 3.83% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 67 | $12,145,000 | $181,269 | $4,021 | 2.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 38 | $11,890,000 | $312,895 | $6,438 | 3.22% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 61 | $11,745,000 | $192,541 | $4,908 | 3.22% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 23 | $11,305,000 | $491,522 | $5,685 | 3.05% |
| TUCSON, AZ (FHA|USDA|VA) | 43 | $10,515,000 | $244,535 | $4,611 | 3.28% |
| Cornelia, GA (FHA|USDA|VA) | 50 | $9,840,000 | $196,800 | $5,583 | 3.13% |
| GAINESVILLE, GA (FHA|USDA|VA) | 42 | $9,580,000 | $228,095 | $4,908 | 3.24% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 28 | $7,280,000 | $260,000 | $5,153 | 2.91% |
| Show Low, AZ (FHA|USDA|VA) | 25 | $6,765,000 | $270,600 | $5,082 | 3.28% |
| Fergus Falls, MN (FHA|USDA|VA) | 36 | $6,740,000 | $187,222 | $4,369 | 3.19% |
| Willmar, MN (FHA|USDA|VA) | 38 | $6,720,000 | $176,842 | $3,659 | 3.13% |
| Jefferson, GA (FHA|USDA|VA) | 28 | $6,610,000 | $236,071 | $5,259 | 2.99% |
| COLUMBIA, SC (FHA|USDA|VA) | 32 | $6,110,000 | $190,938 | $4,106 | 2.89% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 21 | $6,015,000 | $286,429 | $4,246 | 2.86% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 24 | $5,610,000 | $233,750 | $4,554 | 3.03% |
| SPARTANBURG, SC (FHA|USDA|VA) | 24 | $4,810,000 | $200,417 | $3,935 | 2.94% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 11 | $4,245,000 | $385,909 | $6,299 | 3.22% |
| BOULDER, CO (FHA|USDA|VA) | 10 | $4,140,000 | $414,000 | $3,140 | 2.88% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 17 | $3,735,000 | $219,706 | $5,548 | 3.49% |
| Payson, AZ (FHA|USDA|VA) | 14 | $3,710,000 | $265,000 | $3,877 | 3.54% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 19 | $3,585,000 | $188,684 | $6,337 | 3.55% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $3,245,000 | $360,556 | $4,023 | 3.19% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 11 | $2,965,000 | $269,545 | $3,842 | 3.01% |
| STOCKTON, CA (FHA|USDA|VA) | 13 | $2,895,000 | $222,692 | $3,825 | 3.18% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $2,825,000 | $403,571 | $4,138 | 3.23% |
| DULUTH, MN-WI (FHA|USDA|VA) | 15 | $2,565,000 | $171,000 | $3,647 | 2.64% |
| Marshall, MN (FHA|USDA|VA) | 18 | $2,540,000 | $141,111 | $3,654 | 2.86% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 11 | $2,355,000 | $214,091 | $4,312 | 3.27% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 11 | $2,285,000 | $207,727 | $5,645 | 3.02% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 10 | $2,250,000 | $225,000 | $4,170 | 3.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 11 | $2,185,000 | $198,636 | $4,421 | 3.05% |
| Alexandria, MN (FHA|USDA|VA) | 8 | $2,180,000 | $272,500 | $3,353 | 2.64% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $2,140,000 | $356,667 | $3,641 | 3.02% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 10 | $2,120,000 | $212,000 | $6,465 | 3.80% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $2,080,000 | $520,000 | $6,583 | 3.06% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $2,010,000 | $502,500 | $2,789 | 3.03% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $5,018 | 3.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $3,701 | 2.98% |
| Fernley, NV (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $4,227 | 3.38% |
| REDDING, CA (FHA|USDA|VA) | 13 | $1,595,000 | $122,692 | $3,897 | 2.82% |
| MADISON, WI (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $2,315 | 3.06% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $4,475 | 2.77% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $3,571 | 3.08% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $5,355 | 3.10% |
| Española, NM (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $3,873 | 3.22% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $5,100 | 3.38% |
| Taos, NM (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $3,859 | 3.93% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $9,252 | 3.04% |
| Brainerd, MN (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $3,203 | 2.77% |
| ROCHESTER, MN (FHA|USDA|VA) | 6 | $1,130,000 | $188,333 | $3,148 | 3.58% |
| WACO, TX (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $5,857 | 2.75% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $5,901 | 3.33% |
| ABILENE, TX (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $4,381 | 2.81% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $3,256 | 3.17% |
| YUBA CITY, CA (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $3,745 | 2.65% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $4,248 | 3.71% |
| FARGO, ND-MN (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $4,644 | 3.10% |
| Las Vegas, NM (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $4,300 | 3.96% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $4,068 | 3.13% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $3,263 | 3.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $3,338 | 3.00% |
| OCALA, FL (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $4,553 | 3.23% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,688 | 2.94% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,496 | 3.54% |
| Toccoa, GA (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $5,294 | 3.25% |
| CHICO, CA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $0 | 4.67% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $3,244 | 3.09% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 6 | $690,000 | $115,000 | $2,360 | 4.56% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $4,212 | 3.04% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,199 | 3.06% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $5,180 | 3.04% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,947 | 3.00% |
| Newberry, SC (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $6,487 | 2.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $3,915 | 2.41% |
| Jasper, AL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,067 | 2.81% |
| Rockport, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,219 | 2.88% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,095 | 2.81% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,503 | 2.94% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $1,746 | 3.63% |
| Fallon, NV (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,492 | 3.81% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $7,579 | 4.50% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $8,683 | 2.88% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $2,350 | 3.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,497 | 3.44% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $4,718 | 3.29% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,499 | 3.13% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,325 | 2.88% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,416 | 3.58% |
| Roswell, NM (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,193 | 2.79% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,328 | 3.19% |
| MANKATO, MN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,391 | 3.00% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $1,837 | 2.42% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,370 | 2.75% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,568 | 2.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,963 | 3.00% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,561 | 2.75% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,201 | 3.38% |
| Hutchinson, MN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $11,750 | 3.63% |
| Durango, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,026 | 3.50% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $5,984 | 2.17% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,781 | 2.63% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,498 | 3.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,090 | 3.00% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,491 | 3.13% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,428 | 3.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,552 | 3.00% |
| Brookings, SD (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,562 | 3.50% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,765 | 4.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,325 | 3.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,426 | 4.00% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,158 | 2.38% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,657 | 3.25% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,216 | 3.25% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,806 | 2.50% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,208 | 2.88% |
| AKRON, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,055 | 3.50% |
| El Campo, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,738 | 3.50% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,972 | 3.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,959 | 2.63% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,370 | 4.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,343 | 2.94% |
| Cullman, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,736 | 3.25% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,003 | 3.50% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,594 | 3.50% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,136 | 2.81% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,544 | 3.13% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,547 | 3.38% |
| Mitchell, SD (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,981 | 3.63% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,841 | 3.50% |
| Lake City, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,218 | 3.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,975 | 2.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,511 | 2.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,175 | 3.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,775 | 2.50% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,370 | 2.88% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,273 | 2.88% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,613 | 3.00% |
| Athens, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,746 | 2.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,336 | 2.13% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,976 | 3.75% |
| Spencer, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,708 | 3.75% |
| Albertville, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,609 | 3.13% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,618 | 3.00% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,859 | 3.25% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,146 | 2.75% |
| DALTON, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,255 | 2.63% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,972 | 2.88% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,479 | 3.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,191 | 2.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,036 | 2.88% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,716 | 2.63% |
| Storm Lake, IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,570 | 3.13% |
| Spirit Lake, IA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $2,586 | 1.31% |
| Bemidji, MN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $100 | 1.50% |
| Seneca, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,278 | 2.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,130 | 3.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,008 | 3.63% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,689 | 3.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,512 | 3.13% |
| Austin, MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,789 | 3.50% |
| Granbury, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,537 | 2.75% |
| Brenham, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,441 | 3.00% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,720 | 3.00% |
| Fairmont, MN (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $2,568 | 1.50% |
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 2020, Homeowners Financial Group Usa's most frequently originated type of loan was Conventional, with 8,778 originations. Their 2nd most popular type was FHA, with 1,281 originations.
Loan Reason
For 2020, Homeowners Financial Group Usa's most frequently cited loan purpose was Home Purchase, with 5,644 originations. The 2nd most popular reason was Refi, with 3,728 originations.
Loan Duration/Length
For 2020, Homeowners Financial Group Usa's most frequently cited loan duration was 30 Year, with 9,366 originations. The 2nd most popular length was 15 Year, with 871 originations.
Origination Fees/Closing Costs
Homeowners Financial Group Usa's average total fees were $4,904, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 6,741 originations.
Interest Rates
During 2020, Homeowners Financial Group Usa's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 3-4%, with 5,451 originations.
Loan Sizing
2020 saw Homeowners Financial Group Usa place emphasis on $200k-400k loans with 5,584 originations, totaling $1,577,870,000 in origination value.
Applicant Income
Homeowners Financial Group Usa lent most frequently to those with incomes in the $50k-75k range, with 2,474 originations. The second most popular income band? $100k-150k, with 2,393 originations.
Applicant Debt to Income Ratio
Homeowners Financial Group Usa lent most frequently to those with DTI ratios of 20-30%, with 2,248 originations. The next most common DTI ratio? 30-36%, with 1,950 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.99%
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 origination77.34%
Homeowners Financial Group Usa has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 10,680 | $3,048,210,000 | $285,413 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 102 | $15,570,000 | $152,647 |
| Single Family (1-4 Units):Site-Built | 10,578 | $3,032,640,000 | $286,693 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| HOMEOWNERS FINANCIAL GROUP USA | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| HOMEOWNERS FINANCIAL GROUP USA | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |