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%).
How Land Home Financial Services, Inc. priced home-purchase loans
| Purchase loans, 2025 | Land Home Financial Services, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | 6.750% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 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 points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 31.2% | 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
By purpose
Why Land Home Financial Services, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Land Home Financial Services, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 294 | 353 | 3.0% | 6.875% | $6,920 |
| Iowa | 153 | 171 | 4.8% | 6.750% | $4,820 |
| Minnesota | 43 | 45 | 2.6% | 6.875% | $5,350 |
| Ohio | 42 | 58 | 12.2% | — | — |
| Illinois | 36 | 48 | 10.4% | 7.000% | $8,250 |
| Hawaii | 35 | 40 | 3.0% | — | — |
| Texas | 32 | 41 | 16.1% | — | — |
| Washington | 31 | 36 | 9.1% | — | — |
| Idaho | 24 | 27 | 0.0% | — | — |
| Tennessee | 20 | 23 | — | — | — |
| Nevada | 16 | 16 | — | — | — |
| Alabama | 15 | 16 | — | — | — |
| Maryland | 13 | 14 | — | — | — |
| Mississippi | 12 | 14 | — | — | — |
| Wisconsin | 8 | 9 | — | — | — |
| Florida | 7 | 10 | — | — | — |
| Indiana | 7 | 9 | — | — | — |
| Oregon | 5 | 8 | — | — | — |
| Georgia | 5 | 7 | — | — | — |
| Wyoming | 5 | 7 | — | — | — |
| Montana | 5 | 6 | — | — | — |
| Arizona | 4 | 6 | — | — | — |
| Michigan | 4 | 5 | — | — | — |
| District of Columbia | 2 | 2 | — | — | — |
| North Carolina | 1 | 1 | — | — | — |
| New York | 1 | 1 | — | — | — |
| Pennsylvania | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
| Utah | 1 | 1 | — | — | — |
| Virginia | 1 | 1 | — | — | — |
| Kansas | 0 | 1 | — | — | — |
| Louisiana | 0 | 1 | — | — | — |
*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
| County | Rank | Loans | Market share |
|---|---|---|---|
| Siskiyou County, CA | 1 | 50 | 13.4% |
| Lewis County, ID | 4 | 3 | 8.3% |
| Garfield County, WA | 2 | 2 | 6.1% |
| Mower County, MN | 5 | 22 | 4.4% |
| Marion County, AL | 9 | 8 | 3.8% |
| Chouteau County, MT | 14 | 1 | 2.9% |
| Asotin County, WA | 10 | 8 | 2.7% |
| Boone County, IA | 10 | 11 | 2.7% |
| Nez Perce County, ID | 12 | 14 | 2.4% |
| Calhoun County, IA | 10 | 2 | 2.3% |
| Idaho County, ID | 8 | 4 | 2.3% |
| Hamilton County, IA | 11 | 3 | 2.1% |
| Clearwater County, ID | 10 | 2 | 2.0% |
| Hardin County, IA | 16 | 3 | 1.6% |
| Webster County, MS | 21 | 1 | 1.5% |
Check Land Home Financial Services, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493006RIR31ORKYB608.
- 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 Land Home Financial Services, Inc. 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