Homeowners Financial Group USA
We analyzed every closed loan from Homeowners Financial Group USA — 3.1k loans across 4k 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
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
Near-National · 35 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+38.2 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,980 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
FHA
797 loans · 0.60% above market
Exceptional
Top 20% of lenders
5/5
VA
184 loans · 0.30% below market
Strong
Top 40% of lenders
4/5
Jumbo
93 loans · 0.53% above market
Exceptional
Top 20% of lenders
5/5
USDA
16 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,936 loans · 0.40% above market
Exceptional
Top 20% of lenders
5/5
Refinance
134 loans · 0.07% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 36 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,980 | 64.5% | +0.326%Above | $4,038Fees | ||||
FHA Loans | 797 | 26.0% | +0.604%Above | $4,723Fees | ||||
VA Loans | 184 | 6.0% | -0.301%Below | $2,909Fees | ||||
Jumbo Loans | 93 | 3.0% | +0.527%Above | $3,308Fees | ||||
USDA Loans | — | 16 | 0.5% | +0.255%Above | $4,309Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,980
Mix64.5%
Spread
+0.326%Above
Fees
$4,038Fees
FHA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume797
Mix26.0%
Spread
+0.604%Above
Fees
$4,723Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume184
Mix6.0%
Spread
-0.301%Below
Fees
$2,909Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume93
Mix3.0%
Spread
+0.527%Above
Fees
$3,308Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume16
Mix0.5%
Spread
+0.255%Above
Fees
$4,309Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,936 | 95.6% | +0.400%Above | $4,252Fees | ||||
Refinance | 134 | 4.4% | +0.075%Above | $2,480Fees |
Purchase
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume2,936
Mix95.6%
Spread
+0.400%Above
Fees
$4,252Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume134
Mix4.4%
Spread
+0.075%Above
Fees
$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
35
markets with activity
States Served
31
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
31Full-year 2024 · HMDALoans originated
< 5050–100100–500500+None
Northeast1
ME
Midwest9
IAILKSMNNDNEOHSDWI
South11
ALARFLGAMSNCOKSCTNTXVA
West10
AKAZCACOIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 35 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.