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.

Looking for a different lender?

LAND HOME FINANCIAL SERVICES, INC.

Independent Mortgage Company|Sacramento, CA|Near-National

Loans Originated

802

Applications

1,203

Volume

$276 million

Offers loans directly to consumersSources loans from independent brokers

Overall Pricing

Mediocre

Overall Pull Through

Sound

Pricing and Pullthrough Overview

Average Rate Spread

+0.520%

The average of the lender's APR minus the market's average APR (APOR)

Average Net Fees

$3,439

Borrower paid Origination Charges - Lender Credits

Pullthrough Rate

66.7%

Percentage of applications that result in closed loans

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

Report Card

LAND HOME FINANCIAL SERVICES, INC. performance at a glance

Category	Grade	Details
Pricing Rate competitiveness	Mediocre	Below peers
Pull Through Closing Strength	Sound	Industry Standard
Products Loan Type Specialists		Specialization score by loan product
Conventional	Strong	Highly Competitive
FHA	Strong	Highly Competitive
VA	Strong	Highly Competitive
Purpose Reason specialization		Specialization score by loan purpose
Purchase	Strong	Highly Competitive
Refinance	Sound	Industry Standard
Places Geographic coverage	Sound	Near-National · 17 metro areas · 34 states

Rating Scale:

Exceptional (80-100)

Strong (60-79)

Sound (40-59)

Acceptable (20-39)

Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount

$345,262

Average Borrower Income

$127,834

Average Property Value

$428,304

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%	$3,227
FHA Loans	Sound	Strong	Mediocre	Strong	231	28.8%	+0.723%	$4,129
VA Loans	Sound	Strong	Acceptable	Strong	81	10.1%	-0.193%	$2,815

Performance by Loan Purpose

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

Geographic Coverage

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%

Place Specialization

Strong

Merced, CA, CAMSA

Volume: 19Mix: 2.37%

Place Specialization

Strong

Urban Honolulu, HI, HIMSA

Volume: 39Mix: 4.86%

Place Specialization

Strong

Ames, IA, IAMSA

Volume: 26Mix: 3.24%

Place Specialization

Strong

Oakland, CAMSA

Volume: 41Mix: 5.11%

Place Specialization

Sound

Sacramento, CAMSA

Volume: 38Mix: 4.74%

Place Specialization

Sound

Lewiston, ID, ID-WAMSA

Volume: 17Mix: 2.12%

Place Specialization

Sound

Stockton, CAMSA

Volume: 23Mix: 2.87%

Place Specialization

Sound

San Jose, CAMSA

Volume: 25Mix: 3.12%

Place Specialization

Sound

Lake County, IL, ILMSA

Volume: 17Mix: 2.12%

Place Specialization

Sound

Showing 10 of 16 metro areas

Top States by Place Specialization Score

CAState

Volume: 298Mix: 37.16%

Place Specialization

Strong

IAState

Volume: 119Mix: 14.84%

Place Specialization

Strong

HIState

Volume: 45Mix: 5.61%

Place Specialization

Strong

MNState

Volume: 41Mix: 5.11%

Place Specialization

Sound

OHState

Volume: 44Mix: 5.49%

Place Specialization

Sound

IDState

Volume: 32Mix: 3.99%

Place Specialization

Sound

MSState

Volume: 21Mix: 2.62%

Place Specialization

Sound

TXState

Volume: 43Mix: 5.36%

Place Specialization

Sound

WAState

Volume: 24Mix: 2.99%

Place Specialization

Sound

WIState

Volume: 23Mix: 2.87%

Place Specialization

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.

Ready to Get Started?

Compare LAND HOME FINANCIAL SERVICES, INC. with other lenders or get personalized recommendations.

Compare Lenders