What loan types does LAND HOME FINANCIAL SERVICES, INC. offer?

LAND HOME FINANCIAL SERVICES, INC. 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, INC. offer mortgages?

LAND HOME FINANCIAL SERVICES, INC. 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, INC.'s mortgage rates?

LAND HOME FINANCIAL SERVICES, INC. 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, INC.?

LAND HOME FINANCIAL SERVICES, INC. is a Independent Mortgage Company headquartered in Sacramento, CA.

Unclaimed

Land Home Financial Services, Inc.

Independent Mortgage Company•Sacramento, CA•Direct to Consumer

We analyzed every closed loan from Land Home Financial Services — 802 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA

Place

Sound

Near-National · 16 mkts

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Safe Rate's 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, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +52.0 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% 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-National17 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	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

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

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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACODCFLGAHIIAIDILINKYLAMAMDMEMIMNMSMTNMNVNYOHORTNTXUTVAWAWIWY

Top Metro Areas by Place Specialization Score

Des Moines, IAMSA

Volume: 64Mix: 7.98%of portfolio

Place

Strong

Merced, CA, CAMSA

Volume: 19Mix: 2.37%of portfolio

Place

Strong

Urban Honolulu, HI, HIMSA

Volume: 39Mix: 4.86%of portfolio

Place

Strong

Ames, IA, IAMSA

Volume: 26Mix: 3.24%of portfolio

Place

Strong

Oakland, CAMSA

Volume: 41Mix: 5.11%of portfolio

Place

Sound

Sacramento, CAMSA

Volume: 38Mix: 4.74%of portfolio

Place

Sound

Lewiston, ID, ID-WAMSA

Volume: 17Mix: 2.12%of portfolio

Place

Sound

Stockton, CAMSA

Volume: 23Mix: 2.87%of portfolio

Place

Sound

San Jose, CAMSA

Volume: 25Mix: 3.12%of portfolio

Place

Sound

Lake County, IL, ILMSA

Volume: 17Mix: 2.12%of portfolio

Place

Sound

Showing 10 of 16 metro areas

Top States by Place Specialization Score

CAState

Volume: 298Mix: 37.16%of portfolio

Place

Strong

IAState

Volume: 119Mix: 14.84%of portfolio

Place

Strong

HIState

Volume: 45Mix: 5.61%of portfolio

Place

Strong

MNState

Volume: 41Mix: 5.11%of portfolio

Place

Sound

OHState

Volume: 44Mix: 5.49%of portfolio

Place

Sound

IDState

Volume: 32Mix: 3.99%of portfolio

Place

Sound

MSState

Volume: 21Mix: 2.62%of portfolio

Place

Sound

TXState

Volume: 43Mix: 5.36%of portfolio

Place

Sound

WAState

Volume: 24Mix: 2.99%of portfolio

Place

Sound

WIState

Volume: 23Mix: 2.87%of portfolio

Place

Sound

Showing 10 of 14 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.