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%).
How Homeowners Financial Group USA, LLC priced home-purchase loans
| Purchase loans, 2025 | Homeowners Financial Group USA, LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 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 points | 76.4% | 51.3% |
| Points paid, when paid (% of loan) | 1.00% | 0.87% |
| Borrowers receiving lender credits | 18.8% | 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
By purpose
Why Homeowners Financial Group USA, LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Homeowners Financial Group USA, LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Georgia | 820 | 862 | 4.9% | 6.625% | $7,460 |
| Arizona | 612 | 626 | 2.0% | 6.625% | $6,940 |
| Minnesota | 323 | 336 | 2.6% | 6.625% | $5,520 |
| California | 301 | 314 | 2.5% | 6.500% | $10,630 |
| Florida | 231 | 264 | 12.2% | 6.875% | $6,490 |
| Colorado | 187 | 190 | 0.6% | 6.000% | $9,320 |
| South Carolina | 134 | 140 | 3.7% | 6.500% | $6,660 |
| Texas | 87 | 87 | 0.0% | 6.375% | $7,640 |
| North Carolina | 66 | 67 | 1.5% | 6.625% | $5,590 |
| Iowa | 59 | 63 | 6.3% | 6.750% | $3,580 |
| Alaska | 45 | 45 | 0.0% | — | — |
| Alabama | 25 | 27 | 4.3% | — | — |
| Oregon | 9 | 9 | — | — | — |
| Tennessee | 8 | 9 | — | — | — |
| Illinois | 5 | 5 | — | — | — |
| Michigan | 5 | 5 | — | — | — |
| Washington | 4 | 4 | — | — | — |
| Kansas | 2 | 4 | — | — | — |
| Arkansas | 2 | 2 | — | — | — |
| Idaho | 2 | 2 | — | — | — |
| Maine | 2 | 2 | — | — | — |
| Montana | 2 | 2 | — | — | — |
| Nevada | 2 | 2 | — | — | — |
| Wisconsin | 1 | 2 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Mississippi | 1 | 1 | — | — | — |
| North Dakota | 1 | 1 | — | — | — |
| Nebraska | 1 | 1 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
| Utah | 1 | 1 | — | — | — |
| Virginia | 1 | 1 | — | — | — |
*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
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lincoln County, MN | 1 | 10 | 13.7% |
| Kiowa County, CO | 5 | 1 | 10.0% |
| Kandiyohi County, MN | 4 | 31 | 6.8% |
| O'Brien County, IA | 4 | 9 | 6.5% |
| Dillingham Census Area, AK | 9 | 1 | 6.3% |
| Benton County, MN | 4 | 31 | 5.6% |
| Habersham County, GA | 4 | 36 | 5.6% |
| Stearns County, MN | 3 | 109 | 5.5% |
| Buena Vista County, IA | 4 | 9 | 4.8% |
| Osceola County, IA | 9 | 2 | 4.8% |
| Sioux County, IA | 7 | 20 | 4.6% |
| Yellow Medicine County, MN | 8 | 4 | 4.6% |
| White County, GA | 4 | 15 | 3.8% |
| Redwood County, MN | 7 | 6 | 3.8% |
| Swift County, MN | 10 | 3 | 3.4% |
Check Homeowners Financial Group USA, LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300NJVKCDJA5YC939.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Homeowners Financial Group USA, LLC with similar 2025 loans.
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