What loan types does Homeowners Financial Group USA offer?

Homeowners Financial Group USA offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Homeowners Financial Group USA offer mortgages?

Homeowners Financial Group USA 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's mortgage rates?

Homeowners Financial Group USA has an overall pricing score of 19.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Homeowners Financial Group USA?

Homeowners Financial Group USA is a Independent Mortgage Company headquartered in SCOTTSDALE, AZ.

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Homeowners Financial Group USA

Independent Mortgage Company•Scottsdale, AZHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Homeowners Financial Group USA — 3.1k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

Near-National · 35 mkts

Awards

FHA

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average
Higher than average fees ($4,153)

Explore another lender or local market

Report Card

Homeowners Financial Group USA performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+38.2 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 36 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Strong	1,980	64.5%	+0.326%Above	$4,038Fees
FHA Loans	Sound	Exceptional	Acceptable	Strong	797	26.0%	+0.604%Above	$4,723Fees
VA Loans	Sound	Strong	Acceptable	Strong	184	6.0%	-0.301%Below	$2,909Fees
Jumbo Loans	Sound	Exceptional	Mediocre	Sound	93	3.0%	+0.527%Above	$3,308Fees
USDA Loans	Strong	Strong	—	Strong	16	0.5%	+0.255%Above	$4,309Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume1,980

Mix64.5%

Spread

+0.326%Above

Fees

$4,038Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume797

Mix26.0%

Spread

+0.604%Above

Fees

$4,723Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume184

Mix6.0%

Spread

-0.301%Below

Fees

$2,909Fees

Jumbo Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Sound

Volume93

Mix3.0%

Spread

+0.527%Above

Fees

$3,308Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume16

Mix0.5%

Spread

+0.255%Above

Fees

$4,309Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Exceptional	Mediocre	Strong	2,936	95.6%	+0.400%Above	$4,252Fees
Refinance	Acceptable	Sound	Acceptable	Acceptable	134	4.4%	+0.075%Above	$2,480Fees

Purchase

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume2,936

Mix95.6%

Spread

+0.400%Above

Fees

$4,252Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume134

Mix4.4%

Spread

+0.075%Above

Fees

$2,480Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,070

Applications

4,187

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.382%

vs. market APOR

Avg Net Fees

$4,153

Origination − Credits

Pullthrough Rate

73.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$404,534

Avg Borrower Income

$157,163

Avg Property Value

$514,033

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast1

Midwest9

IAILKSMNNDNEOHSDWI

South11

ALARFLGAMSNCOKSCTNTXVA

West10

AKAZCACOIDNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© McGhiever · CC BY-SA 3.0

St. Cloud, MNMetro

Volume 124Mix 4.04% of portfolio

84/100

Exceptional

2© Mertbiol · CC BY-SA 4.0

Santa Maria, CAMetro

Volume 89Mix 2.90% of portfolio

81/100

Exceptional

3© DPPed · CC BY-SA 3.0

Phoenix, AZMetro

Volume 581Mix 18.93% of portfolio

81/100

Exceptional

4© Bubba73 · CC BY-SA 3.0

Marietta, GAMetro

Volume 196Mix 6.38% of portfolio

79/100

Strong

Atlanta, GAMetro

Volume 353Mix 11.50% of portfolio

78/100

Strong

St. Petersburg, FLMetro

Volume 104Mix 3.39% of portfolio

72/100

Strong

Prescott Valley, AZMetro

Volume 56Mix 1.82% of portfolio

72/100

Strong

Gainesville, GAMetro

Volume 44Mix 1.43% of portfolio

71/100

Strong

Tampa, FLMetro

Volume 123Mix 4.01% of portfolio

67/100

Strong

Oakland, CAMetro

Volume 62Mix 2.02% of portfolio

62/100

Strong

Showing 10 of 35 metro areas

Top States by Place Specialization Score

GeorgiaState

Volume 822Mix 26.78% of portfolio

82/100

Exceptional

ArizonaState

Volume 663Mix 21.60% of portfolio

81/100

Exceptional

MinnesotaState

Volume 307Mix 10.00% of portfolio

73/100

Strong

CaliforniaState

Volume 397Mix 12.93% of portfolio

68/100

Strong

FloridaState

Volume 325Mix 10.59% of portfolio

66/100

Strong

South CarolinaState

Volume 122Mix 3.97% of portfolio

65/100

Strong

AlabamaState

Volume 57Mix 1.86% of portfolio

56/100

Sound

AlaskaState

Volume 45Mix 1.47% of portfolio

56/100

Sound

IowaState

Volume 58Mix 1.89% of portfolio

55/100

Sound

ColoradoState

Volume 60Mix 1.95% of portfolio

54/100

Sound

Showing 10 of 13 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.