Sibcy Cline Mortgage Services Rates, Fees & Info
CINCINNATI, OHLEI: 25490039D55J3ZL21O72
Tax ID: 31-1064236
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Mortgage Data
Review & Overview
Sibcy Cline Mortgage Services is a smaller mortgage company specializing in Home Purchase loans. Sibcy Cline Mortgage Services has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Dayton, Wilmington, Springfield, and Urbana among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Sibcy Cline Mortgage Services has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Sibcy Cline Mortgage Services is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.91% | 4/21/24 |
| 30 Year Cash-out Refi | 5.90% | 4/21/24 |
| 30 Year FHA Purchase | 6.05% | 4/21/24 |
| 30 Year VA Purchase | 6.31% | 4/21/24 |
| 30 Year VA Refi | 6.27% | 4/21/24 |
| 30 Year USDA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 5.57% | 4/21/24 |
| 15 Year Conventional Refi | 5.55% | 4/21/24 |
| 15 Year Cash-out Refi | 5.55% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Sibcy Cline Mortgage Services Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
771Origination Dollar Volume (All Markets)
$187,875,000Awards
SIBCY CLINE MORTGAGE SERVICES - 2021
SIBCY CLINE MORTGAGE SERVICES is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 714 | $177,550,000 | $248,669 | $3,700 | 2.91% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 42 | $7,010,000 | $166,905 | $3,629 | 2.99% |
| Outside of Metro Areas | 6 | $1,310,000 | $218,333 | $3,507 | 2.88% |
| Wilmington, OH (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $6,728 | 3.41% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,560 | 2.58% |
| Urbana, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,333 | 3.25% |
| Greenville, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,686 | 2.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against SIBCY CLINE MORTGAGE SERVICES based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2021, Sibcy Cline Mortgage Services's most frequently originated type of loan was Conventional, with 667 originations. Their 2nd most popular type was FHA, with 61 originations.
Loan Reason
For 2021, Sibcy Cline Mortgage Services's most frequently cited loan purpose was Home Purchase, with 638 originations. The 2nd most popular reason was Refi, with 121 originations.
Loan Duration/Length
For 2021, Sibcy Cline Mortgage Services's most frequently cited loan duration was 30 Year, with 697 originations. The 2nd most popular length was 15 Year, with 66 originations.
Origination Fees/Closing Costs
Sibcy Cline Mortgage Services's average total fees were $3,784, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 663 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 373 | $95,005,000 | $254,705 |
| 3-4% | 231 | $49,995,000 | $216,429 |
| <2.5% | 152 | $40,760,000 | $268,158 |
| 4-5% | 14 | $2,110,000 | $150,714 |
| 5-6% | 1 | $5,000 | $5,000 |
During 2021, Sibcy Cline Mortgage Services's average interest rate for loans was 2.97%, while their most frequently originated rate bucket for loans was 2.5-3%, with 373 originations.
Loan Sizing
2021 saw Sibcy Cline Mortgage Services place emphasis on $200k-400k loans with 351 originations, totaling $96,865,000 in origination value.
Applicant Income
Sibcy Cline Mortgage Services lent most frequently to those with incomes in the $100k-150k range, with 186 originations. The second most popular income band? $50k-75k, with 168 originations.
Applicant Debt to Income Ratio
Sibcy Cline Mortgage Services lent most frequently to those with DTI ratios of 20-30%, with 217 originations. The next most common DTI ratio? 30-36%, with 150 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.12%
Sibcy Cline Mortgage Services has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination81.19%
Sibcy Cline Mortgage Services has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 771 | $187,875,000 | $243,677 |