Homeowners Financial Group NMLS #93718
At a glance
- HeadquartersScottsdale, AZ
- Size3,783 home loans closed in 2025
- Loan typesConventional, FHA and VA
- Licensed in34 states
- Formed in2004
2025 figures are for HOMEOWNERS FINANCIAL GROUP USA, LLC's filing.
What it closes
Share of its 2025 home loans: 70% Conventional, 22% FHA, 7% VA and 1% Other types.
Ask Hope Anything About Mortgage & Home Equity!
Hope could not take that just now. Your question is still in the box.
Hope is AI and can make mistakes. Please double-check responses. About Hope * Advertising Disclosure
Who is Homeowners Financial Group?
Homeowners Financial Group (NMLS #93718) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Homeowners Financial Group legit?
Here's what public licensing records show. Homeowners Financial Group holds mortgage licenses in 34 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #93718, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerHomeowners Financial Group
- NMLS #93718
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
Compare current mortgage rates · Mortgage calculator · All lender profiles
About Homeowners Financial Group
Overview
Homeowners Financial Group is a mortgage lender for home buyers and homeowners. The company's lending activity includes both purchase and refinance mortgages.
Mortgage options
In 2025, Homeowners Financial Group made conventional, FHA, VA and USDA loans. Its loans that year were for home purchases, refinances and home improvement.
Locations
Homeowners Financial Group has 94 branches in Alaska, Alabama, Arizona, California, Colorado, Florida, Georgia, Iowa, Idaho, Kansas, Minnesota, North Carolina, New Mexico, Nevada, Oregon, South Carolina, South Dakota, Texas and Washington.
Company details and licensing
Homeowners Financial Group USA, LLC is an Arizona limited liability company formed on January 26, 2004. Its headquarters are at 4800 N. Scottsdale Road, Suite 6000, Scottsdale, Arizona 85251, and its NMLS company ID is 93718.
Trade names include HFG Commercial, Homeowners Financial Group and Homeowners. It is licensed in Alaska, Alabama, Arkansas, Arizona, California, Colorado, the District of Columbia, Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Louisiana, Maryland, Maine, Michigan, Minnesota, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin.
Verify NMLS #93718 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asHOMEOWNERS FINANCIAL GROUP USA, LLC
- 2025 home loan decisionsOf 3,982 applications decided by HOMEOWNERS FINANCIAL GROUP USA, LLC in 2025, 3,783 were originated, 7 were approved but not accepted by the borrower, and 192 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 95.2%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 1,324 applications were withdrawn by the borrower, 6 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.191 percentage points above the average prime offer rate (reported on 3,604 originations, 179 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$7,631.01 — originated closed-end household loans, 2025, 3,512 of 3,783 loans. FFIEC HMDA data browser.
- Median origination charges$3,334.40 — originated closed-end household loans, 2025, 3,783 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types2,633 Conventional, 853 FHA, 275 VA, 22 USDA — of 3,783 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for HOMEOWNERS FINANCIAL GROUP USA, LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Homeowners Financial Group legit?
Here's what public licensing records show. Homeowners Financial Group holds mortgage licenses in 34 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #93718, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Homeowners Financial Group's NMLS number?
Homeowners Financial Group's NMLS number is 93718. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Homeowners Financial Group's NMLS ID?
Yes. We checked Homeowners Financial Group's company name and NMLS ID against the NMLS record on October 18, 2026. They've been in our lender network since September 2014. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Homeowners Financial Group?
This page has Homeowners Financial Group's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.