HOMEOWNERS FINANCIAL GROUP USA, LLC
3,783 mortgages originated in 2025 across 11 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,783
- Median rate
- 6.500%
- Median lender fees
- $7,631
- Median loan amount
- $335,000
- Median spread over APOR
- 0.191
- Paid discount points
- 65.8%
- Received lender credits
- 27.1%
- Purchases / refinances
- 87.3% / 7.2%
- Conventional / FHA / VA
- 69.6% / 22.5% / 7.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 92.8% of loans here — see methodology.
Where HOMEOWNERS FINANCIAL GROUP USA, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Georgia | 982 | $9,043 | 6.500% |
| Arizona | 757 | $7,377 | 6.500% |
| California | 454 | $8,573 | 6.500% |
| Minnesota | 450 | $5,226 | 6.625% |
| Florida | 310 | $7,562 | 6.750% |
| Colorado | 204 | $11,318 | 6.000% |
| South Carolina | 183 | $7,689 | 6.375% |
| Texas | 102 | $8,296 | 6.500% |
| Iowa | 98 | $3,085 | 6.750% |
| North Carolina | 96 | $5,591 | 6.625% |
| Alaska | 52 | $6,956 | 6.375% |