HOMEOWNERS FINANCIAL GROUP USA, LLC closing costs and rates (2024)
In 2024, HOMEOWNERS FINANCIAL GROUP USA, LLC originated 2,631 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $9,333. That ranks #170 nationally by origination volume. For total closing costs among lenders with 500+ originations, HOMEOWNERS FINANCIAL GROUP USA, LLC ranks #520. That is $2,592 above the national median of $6,741. HOMEOWNERS FINANCIAL GROUP USA, LLC is most active in Georgia with 762 originations there.
Purchase Originations
2,631
Ranked #170 nationally
Median Total Costs
$9,333
+38.5% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$4,536
Median Lender Credits
$539
Cost Rank (500+ vol.)
#520
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,683 | 6.625% | $7,480 | $4,390 |
| fha | 749 | 6.500% | $14,488 | $5,535 |
| va | 183 | 6.375% | $7,498 | $1,735 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 762 | 6.625% | $10,126 | #36 |
| Arizona | 566 | 6.625% | $10,193 | #36 |
| California | 335 | 6.625% | $13,136 | #105 |
| Florida | 275 | 6.750% | $9,543 | #137 |
| Minnesota | 207 | 6.875% | $6,230 | #57 |
| South Carolina | 117 | 6.625% | $8,922 | #103 |
| Texas | 80 | 6.500% | $8,830 | #297 |
| Alabama | 51 | 6.625% | $7,805 | #127 |
| Colorado | 46 | 6.375% | $5,926 | — |
| North Carolina | 44 | 6.625% | $7,460 | — |
| Alaska | 42 | 6.250% | $6,862 | — |
| Iowa | 39 | 6.875% | $6,008 | — |
| New Mexico | 13 | 6.375% | $7,910 | — |
| Washington | 9 | 6.625% | $7,634 | — |
| Tennessee | 8 | 6.688% | $7,345 | — |
| Kansas | 5 | 6.875% | $5,930 | — |
| Mississippi | 5 | 6.625% | $5,548 | — |
| Oregon | 5 | 6.625% | $7,316 | — |
| South Dakota | 5 | 6.625% | $7,381 | — |
| Idaho | 4 | 6.562% | $5,758 | — |
| Nebraska | 3 | 7.250% | $5,153 | — |
| Illinois | 2 | 6.625% | $14,683 | — |
| Maine | 2 | 6.625% | $4,269 | — |
| Wisconsin | 2 | 6.750% | $6,287 | — |
| Nevada | 1 | 6.625% | $43,208 | — |
| Ohio | 1 | 7.000% | $13,106 | — |
| Oklahoma | 1 | 6.875% | $9,897 | — |
| Virginia | 1 | 6.250% | $7,067 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,542 | 6.625% | — | 49 | −$3,791 | |
| 2 | $6,380 | 7.000% | — | 75 | −$2,953 | |
| 3 | $6,577 | 6.250% | — | 31 | −$2,756 | |
| 4 | $7,577 | 6.750% | — | 30 | −$1,756 | |
| 5 | $8,073 | 6.625% | — | 40 | −$1,260 | |
| 6 | $8,533 | 6.875% | — | 88 | −$800 | |
| 7 | $9,130 | 6.625% | — | 80 | −$203 | |
| 8 | $10,103 | 6.625% | — | 404 | +$770 | |
| 9 | $10,177 | 6.625% | — | 58 | +$844 | |
| 10 | $10,452 | 6.625% | — | 45 | +$1,119 | |
| 11 | $10,671 | 6.625% | — | 37 | +$1,338 | |
| 12 | $10,682 | 6.875% | — | 73 | +$1,349 | |
| 13 | $10,725 | 6.750% | — | 64 | +$1,392 | |
| 14 | $10,825 | 6.500% | — | 53 | +$1,492 | |
| 15 | $10,831 | 6.625% | — | 39 | +$1,498 | |
| 16 | $11,951 | 6.500% | — | 48 | +$2,618 | |
| 17 | $11,969 | 6.188% | — | 38 | +$2,636 | |
| 18 | $13,960 | 6.625% | — | 34 | +$4,627 | |
| 19 | $15,563 | 6.250% | — | 99 | +$6,230 | |
| 20 | $19,433 | 6.500% | — | 29 | +$10,100 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.