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HOMEOWNERS FINANCIAL GROUP USA, LLC
Independent Mortgage Company|SCOTTSDALE, AZ|Near-National
Loans Originated
3,070
Applications
4,187
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.382%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,153
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.3%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
HOMEOWNERS FINANCIAL GROUP USA, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 36 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$404,534
Average Borrower Income
$157,163
Average Property Value
$514,033
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% | $4,038 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 797 | 26.0% | +0.604% | $4,723 |
VA Loans | Sound | Strong | Acceptable | Strong | 184 | 6.0% | -0.301% | $2,909 |
Jumbo Loans | Acceptable | Exceptional | Mediocre | Sound | 93 | 3.0% | +0.527% | $3,308 |
USDA Loans | Strong | Strong | N/A | Strong | 16 | 0.5% | +0.255% | $4,309 |
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% | $4,252 |
Refinance | Acceptable | Sound | Acceptable | Acceptable | 134 | 4.4% | +0.075% | $2,480 |
Geographic Coverage
Metro Areas
35
States Served
31
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOFLGAIAIDILKSMEMNMSNCNDNENMNVOHOKORSCSDTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
St. Cloud, MN, MNMSA
Volume: 124Mix: 4.04%
Place Specialization
Exceptional
2
Santa Maria, CAMSA
Volume: 89Mix: 2.90%
Place Specialization
Exceptional
3
Phoenix, AZMSA
Volume: 581Mix: 18.93%
Place Specialization
Exceptional
4
Marietta, GA, GAMSA
Volume: 196Mix: 6.38%
Place Specialization
Strong
5
Atlanta, GAMSA
Volume: 353Mix: 11.50%
Place Specialization
Strong
6
St. Petersburg, FLMSA
Volume: 104Mix: 3.39%
Place Specialization
Strong
7
Prescott Valley, AZMSA
Volume: 56Mix: 1.82%
Place Specialization
Strong
8
Gainesville, GA, GAMSA
Volume: 44Mix: 1.43%
Place Specialization
Strong
9
Tampa, FL, FLMSA
Volume: 123Mix: 4.01%
Place Specialization
Strong
10
Oakland, CAMSA
Volume: 62Mix: 2.02%
Place Specialization
Strong
Showing 10 of 35 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 822Mix: 26.78%
Place Specialization
Exceptional
2
AZState
Volume: 663Mix: 21.60%
Place Specialization
Exceptional
3
MNState
Volume: 307Mix: 10.00%
Place Specialization
Strong
4
CAState
Volume: 397Mix: 12.93%
Place Specialization
Strong
5
FLState
Volume: 325Mix: 10.59%
Place Specialization
Strong
6
SCState
Volume: 122Mix: 3.97%
Place Specialization
Strong
7
ALState
Volume: 57Mix: 1.86%
Place Specialization
Sound
8
AKState
Volume: 45Mix: 1.47%
Place Specialization
Sound
9
IAState
Volume: 58Mix: 1.89%
Place Specialization
Sound
10
COState
Volume: 60Mix: 1.95%
Place Specialization
Sound
Showing 10 of 13 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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