Homeowners Financial Group Usa Mortgage Rates, Fees & Info
SCOTTSDALE, AZLEI: 549300NJVKCDJA5YC939
Tax ID: 20-0640473
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & 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 by origination volume include: Phoenix, Atlanta, Tampa, Santa Maria, and Austin among others. We have data for 218 markets. (Some data included below & more in-depth data is available with an active subscription.)Homeowners Financial Group Usa has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Homeowners Financial Group Usa is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.38% | 12/16/24 |
| 30 Year Conventional Refi | 6.61% | 12/16/24 |
| 30 Year Cash-out Refi | 6.80% | 12/16/24 |
| 30 Year FHA Purchase | 7.52% | 12/16/24 |
| 30 Year FHA Refi | 7.12% | 12/16/24 |
| 30 Year VA Purchase | 6.40% | 12/16/24 |
| 30 Year VA Refi | 6.22% | 12/16/24 |
| 30 Year USDA Purchase | 6.95% | 12/16/24 |
| 15 Year Conventional Purchase | 6.14% | 12/16/24 |
| 15 Year Conventional Refi | 6.19% | 12/16/24 |
| 15 Year Cash-out Refi | 6.19% | 12/16/24 |
| 15 Year VA Purchase | 6.38% | 12/16/24 |
| 15 Year VA Refi | 5.68% | 12/16/24 |
| 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
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.
Work for HOMEOWNERS FINANCIAL GROUP USA?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3,436 | $1,184,760,000 | $344,808 | $5,383 | 3.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1,050 | $322,240,000 | $306,895 | $5,806 | 3.23% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1,085 | $288,905,000 | $266,272 | $5,973 | 3.15% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 296 | $212,120,000 | $716,622 | $7,246 | 3.11% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 370 | $131,770,000 | $356,135 | $6,116 | 3.07% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 418 | $116,550,000 | $278,828 | $4,227 | 3.19% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 138 | $82,580,000 | $598,406 | $6,109 | 3.08% |
| Outside of Metro Areas | 392 | $74,320,000 | $189,592 | $4,613 | 2.94% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 308 | $68,390,000 | $222,045 | $3,855 | 2.85% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 161 | $66,565,000 | $413,447 | $5,666 | 2.98% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 107 | $58,435,000 | $546,121 | $6,050 | 3.06% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 301 | $57,395,000 | $190,681 | $5,322 | 3.07% |
| ST. CLOUD, MN (FHA|USDA|VA) | 286 | $48,990,000 | $171,294 | $3,769 | 2.68% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 106 | $40,880,000 | $385,660 | $5,921 | 2.96% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 63 | $38,805,000 | $615,952 | $9,826 | 3.12% |
| VALLEJO, CA (FHA|USDA|VA) | 97 | $38,635,000 | $398,299 | $6,843 | 2.80% |
| STOCKTON, CA (FHA|USDA|VA) | 144 | $35,610,000 | $247,292 | $6,691 | 2.51% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 100 | $34,230,000 | $342,300 | $5,115 | 3.34% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 118 | $27,190,000 | $230,424 | $5,021 | 2.97% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 108 | $25,010,000 | $231,574 | $4,952 | 3.11% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 96 | $24,570,000 | $255,938 | $5,148 | 3.29% |
| SANTA FE, NM (FHA|USDA|VA) | 54 | $21,970,000 | $406,852 | $4,286 | 3.01% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 73 | $21,955,000 | $300,753 | $5,611 | 3.28% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 40 | $18,050,000 | $451,250 | $6,371 | 2.88% |
| RENO, NV (FHA|USDA|VA) | 55 | $16,945,000 | $308,091 | $5,024 | 3.26% |
| Jefferson, GA (FHA|USDA|VA) | 50 | $16,080,000 | $321,600 | $6,385 | 3.18% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 44 | $14,760,000 | $335,455 | $6,335 | 3.21% |
| TUCSON, AZ (FHA|USDA|VA) | 49 | $13,985,000 | $285,408 | $5,642 | 3.11% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 38 | $12,970,000 | $341,316 | $6,907 | 3.20% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 31 | $12,655,000 | $408,226 | $5,390 | 3.17% |
| GAINESVILLE, GA (FHA|USDA|VA) | 41 | $11,145,000 | $271,829 | $5,487 | 3.18% |
| Cornelia, GA (FHA|USDA|VA) | 58 | $10,850,000 | $187,069 | $4,380 | 3.20% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 49 | $10,615,000 | $216,633 | $5,288 | 3.17% |
| ANCHORAGE, AK (FHA|USDA|VA) | 25 | $9,725,000 | $389,000 | $6,952 | 3.02% |
| COLUMBIA, SC (FHA|USDA|VA) | 61 | $9,335,000 | $153,033 | $4,530 | 2.57% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 25 | $9,065,000 | $362,600 | $4,170 | 3.30% |
| MODESTO, CA (FHA|USDA|VA) | 32 | $8,950,000 | $279,688 | $7,996 | 2.92% |
| Show Low, AZ (FHA|USDA|VA) | 27 | $8,755,000 | $324,259 | $4,159 | 3.24% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 19 | $7,955,000 | $418,684 | $5,447 | 3.32% |
| Willmar, MN (FHA|USDA|VA) | 51 | $7,945,000 | $155,784 | $2,929 | 2.67% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 33 | $7,695,000 | $233,182 | $6,200 | 2.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 22 | $7,660,000 | $348,182 | $4,869 | 3.14% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 8 | $6,460,000 | $807,500 | $7,658 | 3.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 19 | $6,215,000 | $327,105 | $3,995 | 3.13% |
| SPARTANBURG, SC (FHA|USDA|VA) | 33 | $6,205,000 | $188,030 | $5,252 | 2.90% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 29 | $5,965,000 | $205,690 | $5,745 | 3.11% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 25 | $5,725,000 | $229,000 | $5,931 | 3.44% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 20 | $5,090,000 | $254,500 | $5,101 | 2.98% |
| Payson, AZ (FHA|USDA|VA) | 16 | $5,050,000 | $315,625 | $5,943 | 3.21% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 11 | $4,815,000 | $437,727 | $5,393 | 3.11% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $3,555,000 | $711,000 | $4,444 | 3.23% |
| Marshall, MN (FHA|USDA|VA) | 29 | $3,345,000 | $115,345 | $3,034 | 2.65% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 11 | $3,135,000 | $285,000 | $6,615 | 3.36% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 9 | $2,975,000 | $330,556 | $6,998 | 3.08% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 12 | $2,970,000 | $247,500 | $5,276 | 3.41% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 15 | $2,745,000 | $183,000 | $6,017 | 2.70% |
| Fergus Falls, MN (FHA|USDA|VA) | 16 | $2,530,000 | $158,125 | $3,546 | 2.73% |
| Toccoa, GA (FHA|USDA|VA) | 16 | $2,490,000 | $155,625 | $5,078 | 3.33% |
| Alexandria, MN (FHA|USDA|VA) | 6 | $2,020,000 | $336,667 | $4,375 | 2.31% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 5 | $1,955,000 | $391,000 | $3,630 | 3.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $1,930,000 | $241,250 | $5,273 | 3.27% |
| SAVANNAH, GA (FHA|USDA|VA) | 9 | $1,915,000 | $212,778 | $4,832 | 3.04% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $1,775,000 | $355,000 | $6,432 | 2.70% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $4,981 | 3.23% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $1,690,000 | $422,500 | $4,818 | 2.97% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $5,038 | 3.18% |
| DULUTH, MN-WI (FHA|USDA|VA) | 10 | $1,600,000 | $160,000 | $3,866 | 3.06% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $4,176 | 3.11% |
| NAPA, CA (FHA|USDA|VA) | 3 | $1,415,000 | $471,667 | $3,520 | 3.50% |
| MERCED, CA (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $4,049 | 2.44% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $7,414 | 3.17% |
| Fernley, NV (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $10,577 | 3.34% |
| Brainerd, MN (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $3,921 | 3.30% |
| FARGO, ND-MN (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $3,758 | 3.28% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $1,220,000 | $610,000 | $5,236 | 4.06% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $8,562 | 3.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $3,977 | 3.23% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $3,586 | 3.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $5,930 | 3.54% |
| Seneca, SC (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $5,588 | 3.53% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $4,812 | 3.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $6,008 | 2.97% |
| Albemarle, NC (FHA|USDA|VA) | 8 | $1,040,000 | $130,000 | $4,450 | 2.02% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $3,363 | 3.08% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $2,677 | 2.92% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $4,492 | 3.29% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $4,326 | 2.96% |
| TYLER, TX (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $8,900 | 2.67% |
| OCALA, FL (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $6,636 | 2.85% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 7 | $845,000 | $120,714 | $3,615 | 2.88% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,696 | 3.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $9,914 | 3.38% |
| Spirit Lake, IA (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $4,818 | 3.03% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $15,663 | 3.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,219 | 3.06% |
| ROCHESTER, MN (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $1,691 | 2.34% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $7,133 | 3.38% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,592 | 3.19% |
| ROME, GA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $9,276 | 3.79% |
| BEND, OR (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,779 | 3.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $10,910 | 3.25% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $10,310 | 2.75% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,269 | 3.31% |
| FAIRBANKS, AK (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,587 | 3.13% |
| Greenwood, SC (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $5,267 | 3.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $5,328 | 3.08% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $13,948 | 3.88% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,881 | 2.63% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,982 | 3.04% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $6,216 | 3.33% |
| CHICO, CA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,882 | 3.94% |
| Las Vegas, NM (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,171 | 3.42% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,672 | 3.13% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $4,099 | 3.34% |
| MADERA, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,951 | 3.19% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $3,275 | 2.88% |
| Nogales, AZ (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,966 | 3.31% |
| Sonora, CA (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $7,903 | 1.81% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,970 | 3.13% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,919 | 3.00% |
| Safford, AZ (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,357 | 3.19% |
| Hutchinson, MN (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $5,028 | 3.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,891 | 3.19% |
| Key West, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,834 | 3.06% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,395 | 3.38% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,330 | 3.13% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,975 | 3.38% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,699 | 2.88% |
| GADSDEN, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,904 | 3.44% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,780 | 2.25% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $20,702 | 3.00% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,709 | 3.58% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,097 | 3.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,631 | 3.38% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,324 | 3.56% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,826 | 3.00% |
| New Ulm, MN (FHA|USDA|VA) | 5 | $415,000 | $83,000 | $2,699 | 1.88% |
| VICTORIA, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,359 | 3.33% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,122 | 2.96% |
| Storm Lake, IA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,401 | 1.83% |
| Heber, UT (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,869 | 3.38% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $5,563 | 2.21% |
| Fallon, NV (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,499 | 3.63% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $4,498 | 3.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,245 | 3.38% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,207 | 3.56% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,525 | 3.56% |
| Brenham, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,303 | 3.13% |
| DALTON, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,299 | 3.06% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 3.13% |
| Gaffney, SC (FHA|USDA|VA) | 5 | $345,000 | $69,000 | $4,079 | 2.05% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,476 | 3.31% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $3,219 | 3.17% |
| 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% |
Similar Lenders
We use machine learning to identify the top lenders compared against HOMEOWNERS FINANCIAL GROUP USA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
SANDIA LABORATORY
Similarity Rank: 140
Similarity Rank: 140
Los Angeles Federal Credit Union
Similarity Rank: 170
Similarity Rank: 170
Liberty Bank Minnesota
Similarity Rank: 320
Similarity Rank: 320
Great Basin Federal Credit Union
Similarity Rank: 348
Similarity Rank: 348
BankVista
Similarity Rank: 408
Similarity Rank: 408
CAROLINA FOOTHILLS
Similarity Rank: 484
Similarity Rank: 484
AAXY L.L.C.
Similarity Rank: 486
Similarity Rank: 486
Del Norte Credit Union
Similarity Rank: 488
Similarity Rank: 488
American Bank of the North
Similarity Rank: 520
Similarity Rank: 520
GUADALUPE CREDIT UNION
Similarity Rank: 525
Similarity Rank: 525
Product Mix
For 2021, Homeowners Financial Group Usa's most frequently originated type of loan was Conventional, with 8,590 originations. Their 2nd most popular type was FHA, with 1,433 originations.
Loan Reason
For 2021, Homeowners Financial Group Usa's most frequently cited loan purpose was Home Purchase, with 6,859 originations. The 2nd most popular reason was Refi, with 2,068 originations.
Loan Duration/Length
For 2021, Homeowners Financial Group Usa's most frequently cited loan duration was 30 Year, with 9,762 originations. The 2nd most popular length was 15 Year, with 604 originations.
Origination Fees/Closing Costs
Homeowners Financial Group Usa's average total fees were $5,664, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,820 originations.
Interest Rates
During 2021, Homeowners Financial Group Usa's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 3-4%, with 6,033 originations.
Loan Sizing
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
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
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
Approval Rates
Total approvals of all applications95.44%
Homeowners Financial Group Usa has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination72.34%
Homeowners Financial Group Usa has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 10,704 | $3,394,970,000 | $317,168 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 10,704 | $3,394,970,000 | $317,168 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| HOMEOWNERS FINANCIAL GROUP USA | FHA mortgage | Closing on a mortgage | 1 | 100.0% |