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Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Homeowners Financial Group USA, LLC: 2025 mortgage rates, costs & approvals

How Homeowners Financial Group USA, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: HOMEOWNERS FINANCIAL GROUP USA, LLC · LEI 549300NJVKCDJA5YC939

In 2025, Homeowners Financial Group USA, LLC originated 2,941 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 31 states — 199th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 6 basis points above the national median. Median conventional loan costs were $6,980, 25% higher than the national median ($5,570).

It denied 4.0% of completed home-purchase applications (all lenders: 8.5%).

Loans
2,941
of 3,076 applications
Denial rate
4.0%
Purchase · all 8.5%
30-yr fixed rate
6.625%
Conv. · all 6.625%
Loan costs
$6,980
Conv. · all $5,570
Loan amount
$365,000
Purchase · all $335,000
Borrower income
$117,000
Purchase · all $116,000

How Homeowners Financial Group USA, LLC priced home-purchase loans

Purchase loans, 2025Homeowners Financial Group USA, LLCAll lenders
30-year fixed rate · conventional6.625%6.625%
30-year fixed rate · FHA6.375%6.250%
30-year fixed rate · VA6.250%6.125%
15-year fixed rate · conventional5.875%5.875%
Rate spread vs. APOR · conventional+0.19 pts+0.13 pts
Total loan costs · conventional$6,980$5,570
Total loan costs · FHA$14,320$11,310
Total loan costs · VA$7,430$6,490
Origination charges (all types)$3,900$1,860
Borrowers paying discount points76.4%51.3%
Points paid, when paid (% of loan)1.00%0.87%
Borrowers receiving lender credits18.8%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 64.3% 1,892
FHA 26.9% 790
VA 8.1% 238
USDA 0.7% 21

By purpose

Home purchase 91.7% 2,697
Refinance 8.3% 244
Home value
$425,000
Median, purchase loans
Down payment
7.6%
All lenders 10%
Refi rate
6.50%
30-yr fixed, conventional
Refi denial rate
6.1%
Cash-out —

Why Homeowners Financial Group USA, LLC denied purchase applications

Debt-to-income ratio 38.4% 43
Unverifiable information 15.2% 17
Credit history 14.3% 16
Collateral (appraisal/property) 12.5% 14
Employment history 8.9% 10
Insufficient cash (down payment/closing costs) 5.4% 6
Other 5.4% 6

First reason the lender reported for each denied home-purchase application.

Where Homeowners Financial Group USA, LLC lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Georgia8208624.9%6.625%$7,460
Arizona6126262.0%6.625%$6,940
Minnesota3233362.6%6.625%$5,520
California3013142.5%6.500%$10,630
Florida23126412.2%6.875%$6,490
Colorado1871900.6%6.000%$9,320
South Carolina1341403.7%6.500%$6,660
Texas87870.0%6.375%$7,640
North Carolina66671.5%6.625%$5,590
Iowa59636.3%6.750%$3,580
Alaska45450.0%——
Alabama25274.3%——
Oregon99———
Tennessee89———
Illinois55———
Michigan55———
Washington44———
Kansas24———
Arkansas22———
Idaho22———
Maine22———
Montana22———
Nevada22———
Wisconsin12———
Indiana11———
Mississippi11———
North Dakota11———
Nebraska11———
South Dakota11———
Utah11———
Virginia11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Homeowners Financial Group USA, LLC's page for that state.

Counties where Homeowners Financial Group USA, LLC is a top lender

Check Homeowners Financial Group USA, LLC yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology