Homeowners Financial Group USA, LLC mortgage approval rate & lending review
Homeowners Financial Group USA, LLC decided 10,260 mortgage applications and funded 9,645 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Homeowners Financial Group USA, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Homeowners Financial Group USA, LLC at a glance
Approval is 8.7 points above the 85.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 8,152 / 8,592 | 100% | $365K | 8,133 |
| Home improvement loans | 86% | 434 / 505 | 100% | $335K | 433 |
| Refinance | 93% | 353 / 380 | 100% | $485K | 352 |
| Investment property purchase | 94% | 575 / 610 | 100% | $315K | 575 |
| Investment refinance | 94% | 50 / 53 | 100% | $425K | 50 |
| Investment home improvement | 85% | 98 / 115 | 100% | $225K | 98 |
Homeowners Financial Group USA, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 97% | $425K | 2,451 | 2,365 |
| Georgia | 93% | $365K | 2,137 | 1,991 |
| Florida | 90% | $335K | 1,982 | 1,785 |
| California | 96% | $455K | 1,384 | 1,324 |
| Minnesota | 95% | $185K | 623 | 591 |
| South Carolina | 92% | $265K | 459 | 421 |
| Texas | 97% | $425K | 299 | 291 |
| Colorado | 97% | $555K | 257 | 250 |
| North Carolina | 98% | $275K | 171 | 168 |
| Alabama | 86% | $295K | 157 | 135 |
| Alaska | 99% | $365K | 150 | 145 |
| Washington | 98% | $555K | 43 | 41 |
| Iowa | 93% | $135K | 28 | 26 |
| Tennessee | 85% | $385K | 27 | 23 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Homeowners Financial Group USA, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Mortgage lenders | 97% | 1,369 | 1,322 |
| Hillsborough County, FL | Mortgage lenders | 90% | 574 | 517 |
| Stearns County, MN | Mortgage lenders | 98% | 422 | 411 |
| Pinellas County, FL | Mortgage lenders | 95% | 354 | 338 |
| Cobb County, GA | Mortgage lenders | 96% | 318 | 306 |
| Pinal County, AZ | Mortgage lenders | 98% | 286 | 280 |
| Pasco County, FL | Mortgage lenders | 91% | 270 | 244 |
| San Joaquin County, CA | Mortgage lenders | 99% | 250 | 239 |
| Yavapai County, AZ | Mortgage lenders | 99% | 184 | 182 |
| Gwinnett County, GA | Mortgage lenders | 93% | 192 | 179 |
| Cherokee County, GA | Mortgage lenders | 99% | 174 | 172 |
| Fulton County, GA | Mortgage lenders | 86% | 177 | 152 |
The county markets where Homeowners Financial Group USA, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Homeowners Financial Group USA, LLC
What is Homeowners Financial Group USA, LLC's mortgage approval rate?
Homeowners Financial Group USA, LLC approved 94.2% of the 10,260 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.7 points above the 85.5% national rate for the same mix of loan types.
How often do borrowers take the loan Homeowners Financial Group USA, LLC offers?
Borrowers accepted 100% of the loans Homeowners Financial Group USA, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Homeowners Financial Group USA, LLC make?
The typical home purchase mortgage loan Homeowners Financial Group USA, LLC made was $365K; across all loan types its typical loan ran from $225K to $485K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Homeowners Financial Group USA, LLC lend?
Homeowners Financial Group USA, LLC decided applications in 33 of the states Fat Boy Data covers, most of them in Arizona, Georgia and Florida.
Can I apply to Homeowners Financial Group USA, LLC directly?
Yes. Homeowners Financial Group USA, LLC reports as a direct lender that takes applications from borrowers.
Does this page show Homeowners Financial Group USA, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Homeowners Financial Group USA, LLC treats applications, then get a rate quote from the lender.