# YOUR HOME FINANCIAL LLC

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


> **📋 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


YOUR HOME FINANCIAL LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 2 states, with 257 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 77% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300677KFX04XEUM68
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, OH
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.514%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,924
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 257
- **Dollar Volume:** $57 million
- **Applications Received:** 357
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $223,716
- **Average Borrower Income:** $97,778
- **Average Property Value:** $265,467

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 199 | +0.483% | $2,803 | Sound ☺️ |
| FHA | 65/100 | 44 | +0.947% | $3,950 | Strong 😀 |
| VA | 55/100 | 11 | +0.066% | $2,359 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 194 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 41 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 249 | $55M | +0.516% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 256 | 0.19% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cleveland, OH | OH | 158 | 79/100 |
| Sandusky, OH | OH | 41 | 73/100 |
| Non |  | 39 | 42/100 |
| Akron, OH | OH | 12 | 47/100 |

## Where This Lender Ranks

YOUR HOME FINANCIAL LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Sandusky, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Sandusky, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Sandusky, OH for FHA Loans
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Sandusky, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Sandusky, OH
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does YOUR HOME FINANCIAL LLC offer?

YOUR HOME FINANCIAL LLC 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 YOUR HOME FINANCIAL LLC offer mortgages?

YOUR HOME FINANCIAL LLC offers mortgages in 2 states: FL, OH.

### How competitive are YOUR HOME FINANCIAL LLC's mortgage rates?

YOUR HOME FINANCIAL LLC has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.514% above market average.

### What type of lender is YOUR HOME FINANCIAL LLC?

YOUR HOME FINANCIAL LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is YOUR HOME FINANCIAL LLC's loan approval success rate?

YOUR HOME FINANCIAL LLC has a pull-through score of 56/100 (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/your-home-financial

### How to Cite

> "YOUR HOME FINANCIAL LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/your-home-financial

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