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

Lender profile · HMDA 2025

Land Home Financial Services, Inc.: 2025 mortgage rates, costs & approvals

How Land Home Financial Services, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: LAND HOME FINANCIAL SERVICES, INC. · LEI 5493006RIR31ORKYB608

In 2025, Land Home Financial Services, Inc. originated 824 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 32 states — 531st by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 36 basis points above the national median. Median conventional loan costs were $6,100, 10% higher than the national median ($5,570).

It denied 5.7% of completed home-purchase applications (all lenders: 8.5%).

Loans
824
of 979 applications
Denial rate
5.7%
Purchase · all 8.5%
30-yr fixed rate
6.875%
Conv. · all 6.625%
Loan costs
$6,100
Conv. · all $5,570
Loan amount
$295,000
Purchase · all $335,000
Borrower income
$101,000
Purchase · all $116,000

How Land Home Financial Services, Inc. priced home-purchase loans

Purchase loans, 2025Land Home Financial Services, Inc.All lenders
30-year fixed rate · conventional6.875%6.625%
30-year fixed rate · FHA6.750%6.250%
30-year fixed rate · VA6.250%6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.49 pts+0.13 pts
Total loan costs · conventional$6,100$5,570
Total loan costs · FHA$11,960$11,310
Total loan costs · VA$10,150$6,490
Origination charges (all types)$3,430$1,860
Borrowers paying discount points0.0%51.3%
Points paid, when paid (% of loan)—0.87%
Borrowers receiving lender credits31.2%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 54.0% 445
FHA 33.4% 275
VA 11.8% 97
USDA 0.8% 7

By purpose

Home purchase 84.3% 695
Refinance 10.9% 90
Cash-out refinance 4.7% 39
Home value
$345,000
Median, purchase loans
Down payment
3.5%
All lenders 10%
Refi rate
6.625%
30-yr fixed, conventional
Refi denial rate
10.7%
Cash-out 13.8%

Why Land Home Financial Services, Inc. denied purchase applications

Debt-to-income ratio 34.8% 16
Credit history 17.4% 8
Collateral (appraisal/property) 13.0% 6
Mortgage insurance denied 13.0% 6
Unverifiable information 10.9% 5
Employment history 4.3% 2
Insufficient cash (down payment/closing costs) 2.2% 1
Credit application incomplete 2.2% 1
Other 2.2% 1

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

Where Land Home Financial Services, Inc. lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
California2943533.0%6.875%$6,920
Iowa1531714.8%6.750%$4,820
Minnesota43452.6%6.875%$5,350
Ohio425812.2%——
Illinois364810.4%7.000%$8,250
Hawaii35403.0%——
Texas324116.1%——
Washington31369.1%——
Idaho24270.0%——
Tennessee2023———
Nevada1616———
Alabama1516———
Maryland1314———
Mississippi1214———
Wisconsin89———
Florida710———
Indiana79———
Oregon58———
Georgia57———
Wyoming57———
Montana56———
Arizona46———
Michigan45———
District of Columbia22———
North Carolina11———
New York11———
Pennsylvania11———
South Carolina11———
Utah11———
Virginia11———
Kansas01———
Louisiana01———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Land Home Financial Services, Inc.'s page for that state.

Counties where Land Home Financial Services, Inc. is a top lender

Check Land Home Financial Services, Inc. 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