Lhfs

Land Home Financial Services, Inc. (LHFS) — Version-controlled mortgage underwriting-overlay and rate-lock dataset plus a down-payment-assistance (DPA) second-lien portfolio: dated lender overlays on FHA/VA/USDA agency baselines (FICO floors, DTI caps by property type including manufactured-housing-specific carve-outs, 4506-C transcript requirements, lock-duration and lock-cancel-fee rules), keyed to program codes, and the originated/serviced second-lien book generated by administering state affordable-housing DPA programs on the lender's own capital.. Sub-scale institutional lender: ~700 emp…

Lhfs offers (Alternative, Fundamental, Reference) — Est. tens of thousands of originated loan records per year (roughly $380M revenue across a multi-state retail+wholesale book) and a serviced portfolio spanning multiple state DPA programs. Overlay-rule layer: est. hundreds of dated rule rows per revision x dozens of revisions, so low-thousands of versioned eligibility rows..

Mortgage eligibility/decision-model training (does this borrower+property qualify under the current overlay); automated AUS-exception and pricing engines; manufactured-housing lending access studies (credit-access and eligibility-gap modeling where overlays are stricter than agency floors); overlay-change tracking feeds for LOS/origination vendors; affordable-housing program impact evaluation (DPA uptake, default and payoff on shared-appreciation second liens); credit-policy backtesting across FHA/VA/USDA channels.

The data is with 15 years of history.

Coverage spans US; Thrifts & Mortgage Finance, Financial Exchanges & Data; alternative, fundamental, reference; fixed_income, structured_products, equities.