What loan types does Land Home Financial Services offer?

Land Home Financial Services offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Land Home Financial Services offer mortgages?

Land Home Financial Services 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's mortgage rates?

Land Home Financial Services has an overall pricing score of 18.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Land Home Financial Services?

Land Home Financial Services is a Independent Mortgage Company headquartered in Sacramento, CA.

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Land Home Financial Services

Independent Mortgage Company•Sacramento, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Land Home Financial Services — 802 loans across 1k 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

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Sound

3/5

Near-National · 16 mkts

Summary

What They Do Well

Particularly strong in Conventional and FHA and VA loans
Nationwide availability with consistent service

Things to Think About

Rates typically 52 basis points above market average

Explore another lender or local market

Report Card

Land Home Financial Services performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+52.0 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 17 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	Mediocre	Sound	483	60.2%	+0.531%Above	$3,227Fees
FHA Loans	Sound	Strong	Mediocre	Strong	231	28.8%	+0.723%Above	$4,129Fees
VA Loans	Sound	Strong	Acceptable	Strong	81	10.1%	-0.193%Below	$2,815Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume483

Mix60.2%

Spread

+0.531%Above

Fees

$3,227Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume231

Mix28.8%

Spread

+0.723%Above

Fees

$4,129Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume81

Mix10.1%

Spread

-0.193%Below

Fees

$2,815Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Strong	709	88.4%	+0.523%Above	$3,723Fees
Refinance	Acceptable	Sound	Acceptable	Acceptable	93	11.6%	+0.499%Above	$1,723Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume709

Mix88.4%

Spread

+0.523%Above

Fees

$3,723Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume93

Mix11.6%

Spread

+0.499%Above

Fees

$1,723Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

802

Applications

1,203

Volume

$276 million

Pricing & Closing

Avg Rate Spread

+0.520%

vs. market APOR

Avg Net Fees

$3,439

Origination − Credits

Pullthrough Rate

66.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$345,262

Avg Borrower Income

$127,834

Avg Property Value

$428,304

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

Northeast3

MEMANY

Midwest7

IAILINMIMNOHWI

South12

ALARDCFLGAKYLAMDMSTNTXVA

West12

AZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Phil Roeder from Des Moines, IA, USA · CC BY 2.0

Des Moines, IAMetro

Volume 64Mix 7.98% of portfolio

65/100

Strong

2© Dicklyon · CC BY-SA 4.0

Merced, CAMetro

Volume 19Mix 2.37% of portfolio

63/100

Strong

3© Edmund Garman · CC BY 2.0

Urban Honolulu, HIMetro

Volume 39Mix 4.86% of portfolio

63/100

Strong

4© Ron Reiring · CC BY 2.0

Ames, IAMetro

Volume 26Mix 3.24% of portfolio

61/100

Strong

5© Basil D Soufi · CC BY-SA 3.0

Oakland, CAMetro

Volume 41Mix 5.11% of portfolio

59/100

Sound

6© Quintin Soloviev · CC BY 4.0

Sacramento, CAMetro

Volume 38Mix 4.74% of portfolio

56/100

Sound

Lewiston, ID, ID-WAMetro

Volume 17Mix 2.12% of portfolio

55/100

Sound

Stockton, CAMetro

Volume 23Mix 2.87% of portfolio

55/100

Sound

San Jose, CAMetro

Volume 25Mix 3.12% of portfolio

54/100

Sound

Lake County, ILMetro

Volume 17Mix 2.12% of portfolio

51/100

Sound

Showing 10 of 16 metro areas

Top States by Place Specialization Score

CaliforniaState

Volume 298Mix 37.16% of portfolio

69/100

Strong

IowaState

Volume 119Mix 14.84% of portfolio

66/100

Strong

HawaiiState

Volume 45Mix 5.61% of portfolio

63/100

Strong

MinnesotaState

Volume 41Mix 5.11% of portfolio

54/100

Sound

OhioState

Volume 44Mix 5.49% of portfolio

52/100

Sound

IdahoState

Volume 32Mix 3.99% of portfolio

52/100

Sound

MississippiState

Volume 21Mix 2.62% of portfolio

49/100

Sound

TexasState

Volume 43Mix 5.36% of portfolio

48/100

Sound

WashingtonState

Volume 24Mix 2.99% of portfolio

48/100

Sound

WisconsinState

Volume 23Mix 2.87% of portfolio

47/100

Sound

Showing 10 of 14 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.