# HOMEOWNERS FINANCIAL GROUP USA, LLC

> **Canonical URL:** https://saferate.com/lenders/homeowners-financial-group-usa


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HOMEOWNERS FINANCIAL GROUP USA, LLC is a independent mortgage company, headquartered in SCOTTSDALE, AZ, serving borrowers across 31 states, with 3,070 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300NJVKCDJA5YC939
- **Headquarters:** SCOTTSDALE, AZ
- **Geographic Reach:** Near-National
- **States Served:** 31
- **State List:** AK, AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, KS, ME, MN, MS, NC, ND, NE, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 36
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.382%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,153
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,070
- **Dollar Volume:** $1.2 billion
- **Applications Received:** 4,187
- **Market Share:** 9.00%

## Typical Borrower Profile

- **Average Loan Amount:** $404,534
- **Average Borrower Income:** $157,163
- **Average Property Value:** $514,033

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 1,980 | +0.326% | $4,038 | Strong 😀 |
| FHA | 82/100 | 797 | +0.604% | $4,723 | Exceptional 🤩 |
| VA | 73/100 | 184 | -0.301% | $2,909 | Strong 😀 |
| Jumbo | 81/100 | 93 | +0.527% | $3,308 | Exceptional 🤩 |
| USDA | 72/100 | 16 | +0.255% | $4,309 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,874 loans, Score: 81/100 (Exceptional)
- Refinance: 106 loans, Score: 54/100 (Sound)

**FHA:**
- Purchase: 780 loans, Score: 83/100 (Exceptional)

**VA:**
- Purchase: 179 loans, Score: 73/100 (Strong)

**Jumbo:**
- Purchase: 87 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 2,936 | $1.2B | +0.400% | Exceptional 🤩 |
| Refinance | 53/100 | 134 | $67M | +0.075% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 822 | 0.60% | 82/100 |
| AZ | 663 | 0.67% | 81/100 |
| CA | 397 | 0.14% | 68/100 |
| FL | 325 | 0.11% | 66/100 |
| MN | 307 | 0.47% | 73/100 |
| SC | 122 | 0.15% | 65/100 |
| TX | 94 | 0.03% | 53/100 |
| CO | 60 | 0.07% | 54/100 |
| IA | 58 | 0.16% | 55/100 |
| AL | 57 | 0.10% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 581 | 81/100 |
| Non |  | 468 | 69/100 |
| Atlanta | GA | 353 | 78/100 |
| Marietta, GA | GA | 196 | 79/100 |
| St. Cloud, MN | MN | 124 | 84/100 |
| Tampa, FL | FL | 123 | 67/100 |
| St. Petersburg | FL | 104 | 72/100 |
| Santa Maria | CA | 89 | 81/100 |
| Minneapolis | MN-WI | 65 | 57/100 |
| Austin | TX | 64 | 61/100 |
| Oakland | CA | 62 | 62/100 |
| Denver | CO | 56 | 56/100 |
| Prescott Valley | AZ | 56 | 72/100 |
| Greenville | SC | 47 | 61/100 |
| Gainesville, GA | GA | 44 | 71/100 |

## Where This Lender Ranks

HOMEOWNERS FINANCIAL GROUP USA, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in St. Cloud, MN for FHA Loans
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in St. Cloud, MN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in St. Cloud, MN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Santa Maria for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-maria/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in St. Cloud, MN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in St. Cloud, MN for VA Loans
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/va-loans)
- 🏆 **#9** in Santa Maria for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-maria/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in Gainesville, GA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gainesville-ga/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Santa Maria for Conventional Loans
  - [View Full Rankings](https://saferate.com/santa-maria/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Gainesville, GA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gainesville-ga/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Atlanta for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#13** in Gainesville, GA for FHA Loans
  - [View Full Rankings](https://saferate.com/gainesville-ga/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in St. Cloud, MN Mortgage Companies
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in St. Cloud, MN for Conventional Loans
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Atlanta for USDA Loans
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/usda-loans)
- 🏆 **#16** in Prescott Valley for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Vallejo, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/vallejo-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Anchorage, AK for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anchorage-ak/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Santa Maria Mortgage Companies
  - [View Full Rankings](https://saferate.com/santa-maria/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Alaska for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/alaska/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does HOMEOWNERS FINANCIAL GROUP USA, LLC offer?

HOMEOWNERS FINANCIAL GROUP USA, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HOMEOWNERS FINANCIAL GROUP USA, LLC offer mortgages?

HOMEOWNERS FINANCIAL GROUP USA, LLC offers mortgages in 31 states: AK, AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, KS, ME, MN, MS, NC, ND, NE, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WI.

### How competitive are HOMEOWNERS FINANCIAL GROUP USA, LLC's mortgage rates?

HOMEOWNERS FINANCIAL GROUP USA, LLC has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.382% above market average.

### What type of lender is HOMEOWNERS FINANCIAL GROUP USA, LLC?

HOMEOWNERS FINANCIAL GROUP USA, LLC is a non-depository lender that specializes in mortgage origination, headquartered in SCOTTSDALE, AZ.

### What is HOMEOWNERS FINANCIAL GROUP USA, LLC's loan approval success rate?

HOMEOWNERS FINANCIAL GROUP USA, LLC has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/homeowners-financial-group-usa

### How to Cite

> "HOMEOWNERS FINANCIAL GROUP USA, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/homeowners-financial-group-usa

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