A home buyers' lender
Home purchases made up 86.9% of its loans and refinances 13.0%. Most of its lending is conventional, 78.9%, against 67.6% at similar lenders (independent non-bank lenders making between half and twice as many loans). It makes fewer loans insured by the Federal Housing Administration (FHA) than its peers, 14.3% against 21.9%, but more rural loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS): 3.8% against 0.3%.