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 score and performance metrics.

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 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, LLC?

HOMEOWNERS FINANCIAL GROUP USA, LLC is a Independent Mortgage Company headquartered in SCOTTSDALE, AZ.

Unclaimed

Homeowners Financial Group Usa, LLC

Independent Mortgage Company•SCOTTSDALE, AZ•Direct to Consumer

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

Pricing

Mediocre

vs. all lenders

Pull Through

Strong

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

Near-National · 35 mkts

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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)

Explore another lender or local market

Report Card

Homeowners Financial Group Usa, LLC performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +38.2 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Exceptional	Market Leader Top 20% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Exceptional	Market Leader Top 20% of lenders
USDA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Exceptional	Market Leader Top 20% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National36 markets

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	Acceptable	Exceptional	Mediocre	Sound	93	3.0%	+0.527%Above	$3,308Fees
USDA Loans	Strong	Strong	—	Strong	16	0.5%	+0.255%Above	$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

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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AKALARAZCACOFLGAIAIDILKSMEMNMSNCNDNENMNVOHOKORSCSDTNTXUTVAWAWI

Top Metro Areas by Place Specialization Score

St. Cloud, MN, MNMSA

Volume: 124Mix: 4.04%of portfolio

Place

Exceptional

Santa Maria, CAMSA

Volume: 89Mix: 2.90%of portfolio

Place

Exceptional

Phoenix, AZMSA

Volume: 581Mix: 18.93%of portfolio

Place

Exceptional

Marietta, GA, GAMSA

Volume: 196Mix: 6.38%of portfolio

Place

Strong

Atlanta, GAMSA

Volume: 353Mix: 11.50%of portfolio

Place

Strong

St. Petersburg, FLMSA

Volume: 104Mix: 3.39%of portfolio

Place

Strong

Prescott Valley, AZMSA

Volume: 56Mix: 1.82%of portfolio

Place

Strong

Gainesville, GA, GAMSA

Volume: 44Mix: 1.43%of portfolio

Place

Strong

Tampa, FL, FLMSA

Volume: 123Mix: 4.01%of portfolio

Place

Strong

Oakland, CAMSA

Volume: 62Mix: 2.02%of portfolio

Place

Strong

Showing 10 of 35 metro areas

Top States by Place Specialization Score

GAState

Volume: 822Mix: 26.78%of portfolio

Place

Exceptional

AZState

Volume: 663Mix: 21.60%of portfolio

Place

Exceptional

MNState

Volume: 307Mix: 10.00%of portfolio

Place

Strong

CAState

Volume: 397Mix: 12.93%of portfolio

Place

Strong

FLState

Volume: 325Mix: 10.59%of portfolio

Place

Strong

SCState

Volume: 122Mix: 3.97%of portfolio

Place

Strong

ALState

Volume: 57Mix: 1.86%of portfolio

Place

Sound

AKState

Volume: 45Mix: 1.47%of portfolio

Place

Sound

IAState

Volume: 58Mix: 1.89%of portfolio

Place

Sound

COState

Volume: 60Mix: 1.95%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.