# LAND HOME FINANCIAL SERVICES, INC.

> **Canonical URL:** https://saferate.com/lenders/land-home-financial-services


> **📋 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


LAND HOME FINANCIAL SERVICES, INC. is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers across 34 states, with 802 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 46% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493006RIR31ORKYB608
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** Near-National
- **States Served:** 34
- **State List:** AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MS, MT, NM, NV, NY, OH, OR, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 17
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 93.9%
- **Brokered/Wholesale:** 6.1%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.520%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,439
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 802
- **Dollar Volume:** $277 million
- **Applications Received:** 1,203
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $345,262
- **Average Borrower Income:** $127,834
- **Average Property Value:** $428,304

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 483 | +0.531% | $3,227 | Strong 😀 |
| FHA | 72/100 | 231 | +0.723% | $4,129 | Strong 😀 |
| VA | 70/100 | 81 | -0.193% | $2,815 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 409 loans, Score: 66/100 (Strong)
- Refinance: 74 loans, Score: 48/100 (Sound)

**FHA:**
- Purchase: 221 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 72 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 709 | $246M | +0.523% | Strong 😀 |
| Refinance | 46/100 | 93 | $31M | +0.499% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 298 | 0.10% | 69/100 |
| IA | 119 | 0.34% | 66/100 |
| HI | 45 | 0.50% | 63/100 |
| OH | 44 | 0.03% | 52/100 |
| TX | 43 | 0.01% | 48/100 |
| MN | 41 | 0.06% | 54/100 |
| ID | 32 | 0.12% | 52/100 |
| IL | 24 | 0.02% | 46/100 |
| WA | 24 | 0.03% | 48/100 |
| WI | 23 | 0.03% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 197 | 63/100 |
| Des Moines | IA | 64 | 65/100 |
| Oakland | CA | 41 | 59/100 |
| Urban Honolulu, HI | HI | 39 | 63/100 |
| Sacramento | CA | 38 | 56/100 |
| Houston | TX | 29 | 49/100 |
| Ames, IA | IA | 26 | 61/100 |
| San Jose | CA | 25 | 54/100 |
| Stockton | CA | 23 | 55/100 |
| Columbus, OH | OH | 22 | 50/100 |
| Merced, CA | CA | 19 | 63/100 |
| Lake County, IL | IL | 17 | 51/100 |
| Lewiston, ID | ID-WA | 17 | 55/100 |
| Modesto, CA | CA | 15 | 50/100 |
| Milwaukee | WI | 12 | 42/100 |

## Where This Lender Ranks

LAND HOME FINANCIAL SERVICES, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Ames, IA Mortgage Companies
  - [View Full Rankings](https://saferate.com/ames-ia/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Ames, IA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ames-ia/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Ames, IA for FHA Loans
  - [View Full Rankings](https://saferate.com/ames-ia/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Lewiston, ID for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lewiston-id/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Lewiston, ID for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lewiston-id/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Lewiston, ID for FHA Loans
  - [View Full Rankings](https://saferate.com/lewiston-id/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Lewiston, ID for Conventional Loans
  - [View Full Rankings](https://saferate.com/lewiston-id/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Ames, IA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ames-ia/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Ames, IA
  - [View Full Rankings](https://saferate.com/ames-ia/best-mortgage-lenders)
- 🏆 **#17** in Des Moines for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does LAND HOME FINANCIAL SERVICES, INC. offer?

LAND HOME FINANCIAL SERVICES, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does LAND HOME FINANCIAL SERVICES, INC. offer mortgages?

LAND HOME FINANCIAL SERVICES, INC. offers mortgages in 34 states: AL, AR, AZ, CA, CO, DC, FL, GA, HI, IA, ID, IL, IN, KY, LA, MA, MD, ME, MI, MN, MS, MT, NM, NV, NY, OH, OR, TN, TX, UT, VA, WA, WI, WY.

### How competitive are LAND HOME FINANCIAL SERVICES, INC.'s mortgage rates?

LAND HOME FINANCIAL SERVICES, INC. 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 0.520% above market average.

### What type of lender is LAND HOME FINANCIAL SERVICES, INC.?

LAND HOME FINANCIAL SERVICES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is LAND HOME FINANCIAL SERVICES, INC.'s loan approval success rate?

LAND HOME FINANCIAL SERVICES, INC. has a pull-through score of 54/100 (Sound). 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/land-home-financial-services

### How to Cite

> "LAND HOME FINANCIAL SERVICES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/land-home-financial-services

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