S1l Mortgage Rates, Fees & Info

Wilmington, DE

LEI: 2549004FXPNKCLIN8250

Tax ID: 84-2764875

3.9 stars - out of 5 stars, based on 109 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

S1l is a mid-sized mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. S1l 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 include Denver, San Diego, Boise City, Sacramento, and San Francisco among others. S1l has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. S1l is typically a high fee lendor.


Originations

11,797

Origination Dollar Volume (All Markets)

$4,356,725,000

Awards

S1L  30 Year Conventional Loans bronze S1L  30 Year Conventional Loans bronze S1L  30 Year Conventional Loans bronze S1L  30 Year Conventional Loans silver
Show all (4) awards

Relative Rate

S1l 's average 30 year fixed rate mortgage of loans were 3.09%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.06%.

Relative Fees

S1l 's average total fees for a 30 year fixed rate mortgage are $6,058.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1,740 $655,520,000 $376,736 $5,379 2.85%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 623 $341,735,000 $548,531 $6,620 3.05%
BOISE CITY, ID (FHA|USDA|VA) 754 $246,710,000 $327,202 $5,964 3.13%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 600 $245,870,000 $409,783 $6,011 3.10%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 284 $202,790,000 $714,049 $7,143 3.07%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 641 $185,115,000 $288,791 $6,932 3.17%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 406 $162,570,000 $400,419 $5,817 3.21%
SALINAS, CA (FHA|USDA|VA) 243 $161,105,000 $662,984 $5,958 3.02%
COLORADO SPRINGS, CO (FHA|USDA|VA) 392 $136,700,000 $348,724 $6,248 2.89%
MODESTO, CA (FHA|USDA|VA) 407 $118,285,000 $290,627 $4,847 3.09%
SALEM, OR (FHA|USDA|VA) 314 $106,530,000 $339,268 $5,697 3.10%
BOULDER, CO (FHA|USDA|VA) 180 $94,130,000 $522,944 $4,383 3.03%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 221 $92,265,000 $417,489 $4,865 3.07%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 171 $87,035,000 $508,977 $5,614 3.06%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 336 $80,600,000 $239,881 $6,099 3.02%
Outside of Metro Areas 259 $80,585,000 $311,139 $5,279 3.07%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 104 $74,300,000 $714,423 $6,105 3.06%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 294 $69,140,000 $235,170 $6,821 3.04%
SALT LAKE CITY, UT (FHA|USDA|VA) 184 $65,610,000 $356,576 $6,667 3.29%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 170 $61,070,000 $359,235 $5,767 3.12%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 121 $60,355,000 $498,802 $5,524 3.07%
Truckee-Grass Valley, CA (FHA|USDA|VA) 96 $48,980,000 $510,208 $8,142 3.24%
Moscow, ID (FHA|USDA|VA) 171 $48,465,000 $283,421 $5,058 3.17%
Montrose, CO (FHA|USDA|VA) 152 $43,040,000 $283,158 $5,507 2.85%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 75 $39,565,000 $527,533 $5,680 3.03%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 70 $36,550,000 $522,143 $5,838 3.04%
STOCKTON, CA (FHA|USDA|VA) 97 $33,465,000 $345,000 $5,791 3.03%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 85 $31,995,000 $376,412 $6,379 3.14%
IDAHO FALLS, ID (FHA|USDA|VA) 138 $31,560,000 $228,696 $5,698 3.10%
GREELEY, CO (FHA|USDA|VA) 104 $31,130,000 $299,327 $5,398 2.61%
KANSAS CITY, MO-KS (FHA|USDA|VA) 130 $29,770,000 $229,000 $3,916 3.17%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 104 $21,590,000 $207,596 $8,002 3.37%
GRANTS PASS, OR (FHA|USDA|VA) 72 $21,310,000 $295,972 $6,148 3.17%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 62 $20,000,000 $322,581 $6,614 3.06%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 27 $18,175,000 $673,148 $5,562 3.11%
Pullman, WA (FHA|USDA|VA) 59 $16,755,000 $283,983 $4,039 3.21%
ALBANY-LEBANON, OR (FHA|USDA|VA) 53 $16,635,000 $313,868 $6,732 3.18%
FORT COLLINS, CO (FHA|USDA|VA) 43 $15,335,000 $356,628 $5,218 2.94%
PROVO-OREM, UT (FHA|USDA|VA) 41 $14,475,000 $353,049 $7,303 3.18%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 54 $14,290,000 $264,630 $5,561 2.98%
RENO, NV (FHA|USDA|VA) 32 $13,710,000 $428,438 $5,842 3.15%
SANTA FE, NM (FHA|USDA|VA) 34 $13,270,000 $390,294 $4,288 3.01%
YUBA CITY, CA (FHA|USDA|VA) 42 $12,420,000 $295,714 $6,404 2.84%
CORVALLIS, OR (FHA|USDA|VA) 32 $12,300,000 $384,375 $6,451 3.17%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 39 $11,945,000 $306,282 $4,536 2.85%
MERCED, CA (FHA|USDA|VA) 44 $11,620,000 $264,091 $5,054 2.90%
Clearlake, CA (FHA|USDA|VA) 37 $10,895,000 $294,459 $5,354 2.93%
PUEBLO, CO (FHA|USDA|VA) 57 $10,735,000 $188,333 $4,755 2.48%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 20 $10,690,000 $534,500 $6,191 2.95%
TWIN FALLS, ID (FHA|USDA|VA) 53 $10,565,000 $199,340 $5,638 3.11%
BEND, OR (FHA|USDA|VA) 26 $10,450,000 $401,923 $5,997 3.18%
Breckenridge, CO (FHA|USDA|VA) 19 $9,445,000 $497,105 $4,354 3.16%
VALLEJO, CA (FHA|USDA|VA) 21 $9,345,000 $445,000 $6,021 3.19%
ST. GEORGE, UT (FHA|USDA|VA) 29 $9,215,000 $317,759 $7,248 3.41%
MEDFORD, OR (FHA|USDA|VA) 33 $9,165,000 $277,727 $5,573 3.40%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 21 $8,135,000 $387,381 $5,350 3.05%
Outside of Metro Areas 17 $8,115,000 $477,353 $5,536 3.16%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 33 $8,005,000 $242,576 $4,514 2.90%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 32 $7,710,000 $240,938 $4,944 3.11%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 19 $7,575,000 $398,684 $4,179 3.26%
NAPA, CA (FHA|USDA|VA) 14 $7,390,000 $527,857 $5,410 3.20%
EL CENTRO, CA (FHA|USDA|VA) 28 $6,880,000 $245,714 $6,986 3.39%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 20 $6,840,000 $342,000 $4,246 3.09%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 33 $6,485,000 $196,515 $8,101 3.44%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 19 $6,205,000 $326,579 $6,815 3.14%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 17 $6,135,000 $360,882 $7,474 2.98%
SHERMAN-DENISON, TX (FHA|USDA|VA) 24 $5,840,000 $243,333 $6,984 3.33%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 22 $5,020,000 $228,182 $5,205 3.15%
TUCSON, AZ (FHA|USDA|VA) 16 $4,710,000 $294,375 $5,125 3.09%
FRESNO, CA (FHA|USDA|VA) 15 $4,615,000 $307,667 $4,423 3.17%
Heber, UT (FHA|USDA|VA) 8 $4,480,000 $560,000 $6,683 2.92%
Cañon City, CO (FHA|USDA|VA) 14 $4,320,000 $308,571 $6,297 2.91%
Rexburg, ID (FHA|USDA|VA) 23 $4,135,000 $179,783 $5,248 3.10%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 23 $3,955,000 $171,957 $5,400 3.17%
Roseburg, OR (FHA|USDA|VA) 14 $3,920,000 $280,000 $6,925 3.14%
CHICO, CA (FHA|USDA|VA) 12 $3,910,000 $325,833 $4,258 3.30%
GRAND JUNCTION, CO (FHA|USDA|VA) 17 $3,885,000 $228,529 $5,030 2.82%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 9 $3,855,000 $428,333 $6,702 3.04%
BAKERSFIELD, CA (FHA|USDA|VA) 15 $3,795,000 $253,000 $5,088 2.92%
ALBUQUERQUE, NM (FHA|USDA|VA) 10 $3,700,000 $370,000 $5,604 2.93%
Sonora, CA (FHA|USDA|VA) 13 $3,575,000 $275,000 $5,458 2.94%
EL PASO, TX (FHA|USDA|VA) 18 $3,550,000 $197,222 $5,636 2.69%
Ontario, OR-ID (FHA|USDA|VA) 13 $3,515,000 $270,385 $6,421 2.82%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $3,315,000 $473,571 $5,109 2.89%
Mountain Home, ID (FHA|USDA|VA) 15 $3,255,000 $217,000 $8,809 3.32%
LEWISTON, ID-WA (FHA|USDA|VA) 12 $3,160,000 $263,333 $5,278 3.07%
JACKSONVILLE, FL (FHA|USDA|VA) 12 $3,120,000 $260,000 $5,570 3.05%
Edwards, CO (FHA|USDA|VA) 6 $3,100,000 $516,667 $6,479 2.89%
OKLAHOMA CITY, OK (FHA|USDA|VA) 11 $3,095,000 $281,364 $6,248 3.13%
Blackfoot, ID (FHA|USDA|VA) 14 $3,080,000 $220,000 $5,450 2.94%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $3,035,000 $607,000 $7,594 3.27%
LONGVIEW, WA (FHA|USDA|VA) 10 $2,970,000 $297,000 $4,247 3.15%
FLAGSTAFF, AZ (FHA|USDA|VA) 6 $2,900,000 $483,333 $5,458 2.87%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $2,795,000 $399,286 $5,695 2.91%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 9 $2,715,000 $301,667 $5,222 2.92%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 8 $2,620,000 $327,500 $3,794 3.30%
Gardnerville Ranchos, NV (FHA|USDA|VA) 4 $2,550,000 $637,500 $12,963 2.78%
Hailey, ID (FHA|USDA|VA) 8 $2,520,000 $315,000 $7,076 3.31%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 8 $2,420,000 $302,500 $5,461 3.17%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 7 $2,345,000 $335,000 $6,665 3.25%
REDDING, CA (FHA|USDA|VA) 10 $2,330,000 $233,000 $4,041 3.31%
Durango, CO (FHA|USDA|VA) 6 $2,310,000 $385,000 $9,024 2.83%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 10 $2,200,000 $220,000 $3,908 3.14%
MADERA, CA (FHA|USDA|VA) 7 $2,155,000 $307,857 $6,052 3.04%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 8 $2,140,000 $267,500 $6,687 2.88%
Klamath Falls, OR (FHA|USDA|VA) 10 $2,130,000 $213,000 $6,253 3.29%
ST. LOUIS, MO-IL (FHA|USDA|VA) 8 $2,110,000 $263,750 $4,870 3.06%
Newport, OR (FHA|USDA|VA) 7 $1,995,000 $285,000 $4,827 3.30%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $1,980,000 $495,000 $4,676 3.12%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $1,940,000 $485,000 $5,409 2.94%
Prineville, OR (FHA|USDA|VA) 4 $1,910,000 $477,500 $6,843 3.94%
GAINESVILLE, GA (FHA|USDA|VA) 7 $1,905,000 $272,143 $6,199 3.28%
Steamboat Springs, CO (FHA|USDA|VA) 4 $1,880,000 $470,000 $4,003 2.88%
Fort Morgan, CO (FHA|USDA|VA) 11 $1,805,000 $164,091 $5,073 2.08%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $1,785,000 $255,000 $3,497 3.17%
VISALIA, CA (FHA|USDA|VA) 8 $1,770,000 $221,250 $4,878 2.69%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,720,000 $430,000 $5,458 3.37%
LOGAN, UT-ID (FHA|USDA|VA) 6 $1,700,000 $283,333 $5,881 3.27%
Glenwood Springs, CO (FHA|USDA|VA) 3 $1,655,000 $551,667 $4,392 3.13%
POCATELLO, ID (FHA|USDA|VA) 7 $1,565,000 $223,571 $6,547 2.98%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $1,560,000 $260,000 $4,669 3.42%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $1,560,000 $260,000 $5,195 3.17%
CORPUS CHRISTI, TX (FHA|USDA|VA) 5 $1,535,000 $307,000 $9,223 3.33%
Granbury, TX (FHA|USDA|VA) 6 $1,510,000 $251,667 $6,210 3.42%
Astoria, OR (FHA|USDA|VA) 5 $1,405,000 $281,000 $8,362 2.99%
Athens, TX (FHA|USDA|VA) 3 $1,405,000 $468,333 $6,209 3.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,350,000 $337,500 $4,817 2.84%
WACO, TX (FHA|USDA|VA) 6 $1,330,000 $221,667 $5,569 3.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 4 $1,290,000 $322,500 $2,993 3.06%
MISSOULA, MT (FHA|USDA|VA) 3 $1,275,000 $425,000 $4,899 2.96%
Cedar City, UT (FHA|USDA|VA) 5 $1,225,000 $245,000 $5,138 3.77%
COLUMBUS, OH (FHA|USDA|VA) 7 $1,215,000 $173,571 $4,447 3.25%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $1,210,000 $201,667 $3,368 2.87%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,190,000 $297,500 $5,874 3.19%
Coos Bay, OR (FHA|USDA|VA) 4 $1,190,000 $297,500 $5,599 3.00%
Ukiah, CA (FHA|USDA|VA) 3 $1,175,000 $391,667 $6,325 3.42%
Sandpoint, ID (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,871 2.47%
MUSKEGON, MI (FHA|USDA|VA) 7 $1,125,000 $160,714 $2,775 3.29%
Centralia, WA (FHA|USDA|VA) 3 $1,115,000 $371,667 $6,660 3.37%
WENATCHEE, WA (FHA|USDA|VA) 3 $1,075,000 $358,333 $3,435 2.96%
SAVANNAH, GA (FHA|USDA|VA) 4 $1,070,000 $267,500 $5,671 3.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $1,065,000 $355,000 $6,290 3.04%
Port Angeles, WA (FHA|USDA|VA) 3 $1,035,000 $345,000 $4,757 2.96%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $1,010,000 $168,333 $2,900 2.69%
Eureka-Arcata, CA (FHA|USDA|VA) 4 $1,010,000 $252,500 $4,100 2.97%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $995,000 $199,000 $5,603 3.40%
TULSA, OK (FHA|USDA|VA) 5 $985,000 $197,000 $4,956 3.10%
Kerrville, TX (FHA|USDA|VA) 3 $985,000 $328,333 $6,536 3.21%
LAWRENCE, KS (FHA|USDA|VA) 4 $960,000 $240,000 $2,516 3.22%
AMARILLO, TX (FHA|USDA|VA) 3 $935,000 $311,667 $9,539 3.12%
YUMA, AZ (FHA|USDA|VA) 4 $930,000 $232,500 $5,800 2.87%
ODESSA, TX (FHA|USDA|VA) 5 $915,000 $183,000 $9,113 2.60%
Palestine, TX (FHA|USDA|VA) 6 $900,000 $150,000 $3,937 3.33%
RAPID CITY, SD (FHA|USDA|VA) 3 $895,000 $298,333 $3,549 3.08%
Carlsbad-Artesia, NM (FHA|USDA|VA) 3 $885,000 $295,000 $5,989 3.16%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $880,000 $440,000 $4,820 3.31%
Brookings, OR (FHA|USDA|VA) 3 $855,000 $285,000 $6,040 3.79%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $830,000 $415,000 $9,214 3.44%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $815,000 $271,667 $3,643 2.87%
Gainesville, TX (FHA|USDA|VA) 3 $785,000 $261,667 $6,522 2.96%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $755,000 $755,000 $8,502 3.00%
Key West, FL (FHA|USDA|VA) 1 $745,000 $745,000 $16,824 3.63%
MONTGOMERY, AL (FHA|USDA|VA) 12 $740,000 $61,667 $3,966 3.68%
Sulphur Springs, TX (FHA|USDA|VA) 2 $730,000 $365,000 $6,316 3.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $705,000 $235,000 $4,905 3.62%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $685,000 $228,333 $3,213 3.50%
VICTORIA, TX (FHA|USDA|VA) 3 $685,000 $228,333 $6,148 2.96%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $680,000 $340,000 $5,291 2.88%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $675,000 $225,000 $4,338 3.16%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $675,000 $225,000 $3,319 3.00%
Warrensburg, MO (FHA|USDA|VA) 4 $670,000 $167,500 $2,782 3.25%
El Campo, TX (FHA|USDA|VA) 2 $640,000 $320,000 $8,722 3.06%
MADISON, WI (FHA|USDA|VA) 1 $635,000 $635,000 $4,617 3.13%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $630,000 $315,000 $3,275 2.88%
BELLINGHAM, WA (FHA|USDA|VA) 2 $620,000 $310,000 $4,137 2.56%
Rockport, TX (FHA|USDA|VA) 2 $620,000 $310,000 $4,618 3.31%
TYLER, TX (FHA|USDA|VA) 2 $610,000 $305,000 $6,064 3.18%
LAS CRUCES, NM (FHA|USDA|VA) 3 $605,000 $201,667 $3,353 3.25%
Findlay, OH (FHA|USDA|VA) 2 $600,000 $300,000 $6,907 2.94%
TEXARKANA, TX-AR (FHA|USDA|VA) 4 $600,000 $150,000 $6,502 3.34%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 6 $600,000 $100,000 $2,684 4.21%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $590,000 $295,000 $4,432 3.50%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $560,000 $140,000 $4,749 3.09%
Bozeman, MT (FHA|USDA|VA) 2 $560,000 $280,000 $3,299 3.06%
Payson, AZ (FHA|USDA|VA) 2 $550,000 $275,000 $2,925 2.99%
Alamogordo, NM (FHA|USDA|VA) 1 $545,000 $545,000 $24,101 2.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $545,000 $181,667 $3,803 3.08%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $545,000 $545,000 $4,522 3.38%
RACINE, WI (FHA|USDA|VA) 1 $545,000 $545,000 $9,285 2.88%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $540,000 $270,000 $4,403 3.25%
Brenham, TX (FHA|USDA|VA) 1 $525,000 $525,000 $7,687 2.88%
WALLA WALLA, WA (FHA|USDA|VA) 2 $510,000 $255,000 $4,308 3.06%
YAKIMA, WA (FHA|USDA|VA) 2 $490,000 $245,000 $3,278 3.38%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $475,000 $158,333 $4,414 3.58%
Huntsville, TX (FHA|USDA|VA) 3 $465,000 $155,000 $5,751 2.25%
Lufkin, TX (FHA|USDA|VA) 1 $455,000 $455,000 $6,422 3.25%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $440,000 $220,000 $3,152 3.50%
JACKSON, MS (FHA|USDA|VA) 3 $435,000 $145,000 $4,995 3.63%
Española, NM (FHA|USDA|VA) 1 $425,000 $425,000 $5,702 2.99%
COLUMBIA, SC (FHA|USDA|VA) 1 $405,000 $405,000 $3,016 4.13%
LUBBOCK, TX (FHA|USDA|VA) 2 $400,000 $200,000 $4,166 3.19%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $400,000 $200,000 $3,815 3.31%
LONGVIEW, TX (FHA|USDA|VA) 2 $400,000 $200,000 $6,071 2.94%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $385,000 $385,000 $4,024 3.38%
Bay City, TX (FHA|USDA|VA) 2 $380,000 $190,000 $8,182 3.50%
Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $360,000 $180,000 $3,950 3.44%
Traverse City, MI (FHA|USDA|VA) 1 $355,000 $355,000 $5,745 2.63%
LAFAYETTE, LA (FHA|USDA|VA) 1 $335,000 $335,000 $8,382 2.75%
Rock Springs, WY (FHA|USDA|VA) 1 $325,000 $325,000 $13,739 2.99%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $320,000 $160,000 $4,327 1.88%
Fredericksburg, TX (FHA|USDA|VA) 1 $315,000 $315,000 $4,805 2.99%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $310,000 $155,000 $2,765 2.44%
Bonham, TX (FHA|USDA|VA) 1 $305,000 $305,000 $6,019 3.63%
Taos, NM (FHA|USDA|VA) 1 $305,000 $305,000 $6,203 3.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $300,000 $150,000 $7,569 3.06%
Somerset, KY (FHA|USDA|VA) 1 $295,000 $295,000 $4,599 2.25%
Kearney, NE (FHA|USDA|VA) 1 $295,000 $295,000 $3,928 3.25%
Nogales, AZ (FHA|USDA|VA) 2 $290,000 $145,000 $3,022 3.13%
Las Vegas, NM (FHA|USDA|VA) 1 $285,000 $285,000 $2,969 3.25%
MIDLAND, TX (FHA|USDA|VA) 1 $285,000 $285,000 $21,988 2.25%
CHEYENNE, WY (FHA|USDA|VA) 1 $285,000 $285,000 $2,758 2.25%
Red Bluff, CA (FHA|USDA|VA) 1 $285,000 $285,000 $2,908 3.13%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $285,000 $285,000 $6,573 3.25%
CARSON CITY, NV (FHA|USDA|VA) 1 $275,000 $275,000 $4,861 3.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $270,000 $135,000 $5,128 3.56%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $265,000 $265,000 $9,197 3.88%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $265,000 $265,000 $2,728 3.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $265,000 $265,000 $3,475 3.25%
BRUNSWICK, GA (FHA|USDA|VA) 1 $265,000 $265,000 $2,496 3.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $265,000 $265,000 $2,768 2.63%
Borger, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,723 2.88%
DOVER, DE (FHA|USDA|VA) 1 $255,000 $255,000 $9,824 3.13%
Moses Lake, WA (FHA|USDA|VA) 2 $250,000 $125,000 $2,625 2.94%
BATON ROUGE, LA (FHA|USDA|VA) 2 $250,000 $125,000 $3,799 3.25%
Aberdeen, WA (FHA|USDA|VA) 1 $245,000 $245,000 $5,212 3.63%
FLINT, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,448 3.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $245,000 $245,000 $8,947 3.25%
THE VILLAGES, FL (FHA|USDA|VA) 1 $245,000 $245,000 $2,556 2.50%
Mineral Wells, TX (FHA|USDA|VA) 2 $240,000 $120,000 $4,763 2.00%
Kalispell, MT (FHA|USDA|VA) 1 $235,000 $235,000 $4,272 3.63%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $235,000 $235,000 $4,766 3.63%
WICHITA, KS (FHA|USDA|VA) 2 $230,000 $115,000 $3,855 3.25%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $225,000 $225,000 $5,337 2.88%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $225,000 $225,000 $3,942 3.25%
Price, UT (FHA|USDA|VA) 1 $225,000 $225,000 $5,634 3.13%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $220,000 $110,000 $3,400 2.81%
Jackson, WY-ID (FHA|USDA|VA) 1 $215,000 $215,000 $6,373 3.25%
Uvalde, TX (FHA|USDA|VA) 1 $215,000 $215,000 $9,730 3.38%
ENID, OK (FHA|USDA|VA) 1 $215,000 $215,000 $4,407 3.38%
OCALA, FL (FHA|USDA|VA) 2 $210,000 $105,000 $5,508 3.69%
DULUTH, MN-WI (FHA|USDA|VA) 1 $205,000 $205,000 $6,832 3.50%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,371 3.25%
ALBANY, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,927 3.13%
Burley, ID (FHA|USDA|VA) 1 $195,000 $195,000 $6,623 2.88%
Gillette, WY (FHA|USDA|VA) 1 $195,000 $195,000 $2,958 3.63%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $195,000 $195,000 $3,240 2.75%
Nacogdoches, TX (FHA|USDA|VA) 1 $195,000 $195,000 $2,995 2.75%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $7,093 3.25%
Garden City, KS (FHA|USDA|VA) 1 $195,000 $195,000 $3,128 3.25%
Plymouth, IN (FHA|USDA|VA) 1 $185,000 $185,000 $3,078 2.50%
Ottawa, IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,706 3.38%
Eagle Pass, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,195 3.63%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,477 2.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $185,000 $185,000 $6,001 2.99%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $185,000 $185,000 $2,544 2.99%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $180,000 $90,000 $5,061 4.00%
Holland, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,535 3.25%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,473 2.50%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $175,000 $175,000 $8,922 3.63%
PANAMA CITY, FL (FHA|USDA|VA) 1 $175,000 $175,000 $2,653 2.88%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $175,000 $175,000 $8,319 3.25%
KNOXVILLE, TN (FHA|USDA|VA) 1 $175,000 $175,000 $3,533 3.50%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $175,000 $175,000 $11,959 3.63%
Show Low, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $4,120 3.25%
Thomasville, GA (FHA|USDA|VA) 1 $165,000 $165,000 $3,890 2.99%
SAN ANGELO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,019 2.38%
Paris, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,835 3.00%
La Grande, OR (FHA|USDA|VA) 1 $165,000 $165,000 $5,287 2.88%
DOTHAN, AL (FHA|USDA|VA) 1 $165,000 $165,000 $9,148 3.38%
Mount Pleasant, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,888 3.63%
Los Alamos, NM (FHA|USDA|VA) 1 $155,000 $155,000 $2,801 2.25%
Port Lavaca, TX (FHA|USDA|VA) 1 $155,000 $155,000 $7,735 3.25%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $155,000 $155,000 $5,804 3.50%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $155,000 $155,000 $3,675 3.25%
ANN ARBOR, MI (FHA|USDA|VA) 1 $145,000 $145,000 $7,058 2.99%
Beaver Dam, WI (FHA|USDA|VA) 1 $145,000 $145,000 $3,931 2.88%
Jacksonville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,445 3.50%
Alexander City, AL (FHA|USDA|VA) 1 $145,000 $145,000 $6,156 2.25%
NEW BERN, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,804 2.99%
Crescent City, CA (FHA|USDA|VA) 1 $135,000 $135,000 $2,396 2.75%
JOPLIN, MO (FHA|USDA|VA) 1 $135,000 $135,000 $2,973 2.75%
VALDOSTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,816 2.99%
Helena, MT (FHA|USDA|VA) 1 $125,000 $125,000 $4,227 4.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $115,000 $115,000 $3,109 3.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $115,000 $115,000 $5,114 3.63%
LIMA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $8,353 2.99%
FARMINGTON, NM (FHA|USDA|VA) 1 $115,000 $115,000 $2,807 2.75%
Sterling, CO (FHA|USDA|VA) 1 $115,000 $115,000 $1,802 2.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,386 3.75%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $105,000 $105,000 $3,048 2.50%
Brookings, SD (FHA|USDA|VA) 1 $105,000 $105,000 $1,821 3.25%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $105,000 $105,000 $5,849 3.88%
Red Wing, MN (FHA|USDA|VA) 1 $105,000 $105,000 $5,406 2.99%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $1,421 2.88%
Vernal, UT (FHA|USDA|VA) 1 $105,000 $105,000 $2,929 2.63%
Hays, KS (FHA|USDA|VA) 1 $105,000 $105,000 $4,428 4.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,934 3.38%
COLUMBIA, MO (FHA|USDA|VA) 1 $105,000 $105,000 $3,611 3.13%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $95,000 $95,000 $3,461 2.88%
Brevard, NC (FHA|USDA|VA) 1 $95,000 $95,000 $3,055 3.13%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $85,000 $85,000 $3,449 3.99%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $75,000 $75,000 $4,022 2.99%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $75,000 $75,000 $1,126 2.25%
Russellville, AR (FHA|USDA|VA) 1 $75,000 $75,000 $2,892 2.99%

S1l 's top markets include Denver, San Diego, Boise City, Sacramento, and San Francisco among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 9,899 $3,682,465,000 $372,004 $4,909 3.03%
FHA 1,196 $369,900,000 $309,281 $11,243 3.27%
VA 659 $292,885,000 $444,439 $9,731 2.87%
USDA 43 $11,475,000 $266,860 $7,317 2.99%

For the 2021 period, S1l 's most frequently originated loan type of loans were Conventional, with 9,899 originations. Their 2nd most popular type is FHA, with 1,196 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 6,448 $2,448,630,000 $379,750 $6,586 3.05%
Refi 2,838 $1,023,290,000 $360,567 $4,494 2.93%
Cash Out Refi 2,491 $878,865,000 $352,816 $5,430 3.19%
Home Improvement 20 $5,940,000 $297,000 $6,326 3.33%

For the 2021, S1l 's most frequently cited loan purpose of loans were Home Purchase, with 6,448 originations. The 2nd most popular reason of loans were Refi, with 2,838 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 10,525 $4,037,845,000 $383,643 $6,058 3.09%
15 Year 793 $205,405,000 $259,023 $4,151 2.54%
20 Year 253 $68,185,000 $269,506 $4,204 2.87%
10 Year 116 $12,100,000 $104,310 $2,191 3.33%
Other 105 $30,075,000 $286,429 $3,911 2.78%
30+ year 4 $3,110,000 $777,500 $10,863 4.59%
3 Year 1 $5,000 $5,000 $0 0.00%

For the 2021, S1l 's most frequently cited loan length of loans were 30 Year, with 10,525 originations. The 2nd most popular length of loans were 15 Year, with 793 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 5,654 $2,159,760,000 $381,988
$3k-4k 1,889 $665,435,000 $352,268
$2k-3k 1,770 $576,120,000 $325,492
$5k+ 1,418 $734,030,000 $517,652
$<1k 1,052 $213,740,000 $203,175

$6,058 of loans were S1l 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 5,654 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 6,043 $2,301,755,000 $380,896
2.5-3% 4,090 $1,638,780,000 $400,680
<2.5% 1,290 $303,240,000 $235,070
4-5% 351 $109,505,000 $311,980
5-6% 19 $2,905,000 $152,895
6-7% 1 $505,000 $505,000

During 2021, S1l 's average interest rate of loans were 3.09%, while their most frequently originated rate bucket of loans were 3-4%, with 6,043 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 5,364 $1,599,730,000 $298,235 $5,788 3.17%
$400k-600k 2,921 $1,421,785,000 $486,746 $6,592 3.16%
$100k-200k 1,754 $277,730,000 $158,341 $4,316 3.07%
$600k-1MM 881 $648,705,000 $736,328 $7,940 3.11%
$100,000 or less 590 $17,150,000 $29,068 $1,041 1.32%
$1MM+ 287 $391,625,000 $1,364,547 $10,690 3.01%

2021 saw S1l place emphasis on $200k-400k loans with 5,364 originations, totaling $1,599,730,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 2,707 $1,039,705,000 $384,080 $5,849 3.10%
$50k-75k 2,576 $657,640,000 $255,295 $5,659 2.98%
$75k-100k 2,259 $714,575,000 $316,324 $5,995 3.01%
$150k-250k 1,920 $929,570,000 $484,151 $5,862 3.14%
$50k or less 1,164 $227,860,000 $195,756 $4,832 2.93%
$250k+ 1,030 $732,400,000 $711,068 $7,196 3.15%

S1l lent most frequently to those with incomes in the $100k-150k range, with 2,707 originations. The second most popular income band? $50k-75k, with 2,576 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
30-36% 2,067 $804,985,000 $389,446 $5,386 3.08%
20-30% 2,015 $733,395,000 $363,968 $4,946 3.03%
<20% 659 $216,785,000 $328,961 $4,618 2.79%
50-60% 610 $202,670,000 $332,246 $9,621 2.93%
44% 566 $201,950,000 $356,802 $6,181 3.13%
43% 548 $191,060,000 $348,650 $5,940 3.10%
41% 508 $199,090,000 $391,909 $6,163 3.19%
42% 499 $199,085,000 $398,968 $5,849 3.10%
40% 467 $170,325,000 $364,722 $5,669 3.07%
49% 456 $160,820,000 $352,675 $6,666 3.08%
39% 453 $172,925,000 $381,733 $5,609 3.02%
38% 441 $170,485,000 $386,587 $5,742 3.10%
37% 431 $165,125,000 $383,121 $5,635 3.13%
45% 431 $150,575,000 $349,362 $5,995 3.08%
36% 388 $159,600,000 $411,340 $5,793 3.10%
46% 384 $133,820,000 $348,490 $6,215 3.01%
48% 384 $143,950,000 $374,870 $6,296 3.06%
47% 367 $130,905,000 $356,689 $6,657 3.10%
>60% 25 $10,905,000 $436,200 $10,844 2.83%

S1l lent most frequently to those with DTI ratios of 30-36%, with 2,067 originations. The next most common DTI ratio? 20-30%, with 2,015 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 8,571 $3,156,595,000 $368,288 $5,775 3.05%
Not provided 2,372 $878,950,000 $370,552 $5,879 3.06%
Asian 392 $170,750,000 $435,587 $6,051 3.09%
Black 293 $89,565,000 $305,683 $6,869 3.05%
American Indian 93 $29,055,000 $312,419 $5,630 3.02%
Asian Indian 20 $10,360,000 $518,000 $5,060 2.98%
Native Hawaiian 33 $10,165,000 $308,030 $7,263 2.95%
Chinese 5 $4,255,000 $851,000 $6,737 3.15%
Filipino 5 $1,965,000 $393,000 $6,271 3.08%
Other Asian 4 $1,920,000 $480,000 $6,240 3.16%
Korean 2 $870,000 $435,000 $5,212 3.13%
Guamanian 2 $600,000 $300,000 $8,388 3.63%
Vietnamese 1 $495,000 $495,000 $13,277 3.25%
Other Pacific Islander 2 $470,000 $235,000 $6,442 2.44%
Japanese 1 $395,000 $395,000 $1,333 2.75%
Native Hawiian 1 $315,000 $315,000 $3,329 2.88%

Approval Rates

Total approvals of all applications
96.23%

S1l has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
76.44%

S1l has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 11,797 $4,356,725,000 $369,308

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
11,797 $4,356,725,000 $369,308

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 795 $221,015,000 $278,006 $4,237 2.88%
40-60% 1,937 $704,745,000 $363,833 $4,514 2.98%
60-80% 3,949 $1,611,115,000 $407,981 $5,454 3.20%
80-100% 4,423 $1,721,815,000 $389,287 $7,212 3.21%
Over 100% 151 $70,915,000 $469,636 $16,706 2.89%
Under 20% 542 $27,120,000 $50,037 $856 1.13%