S1l Mortgage Rates, Fees & Info
Wilmington, DELEI: 2549004FXPNKCLIN8250
Tax ID: 84-2764875
3.3 stars - Updated: 12/16/24
-
out of 5 stars, based on 65 reviews
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
S1l is a small mortgage company specializing in Home Purchase 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 by origination volume include: Denver, San Diego, Boise City, Dallas, and Los Angeles among others. We have data for 253 markets. (Some data included below & more in-depth data is available with an active subscription.)S1l 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. S1l is typically a high 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 relatively high 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.37% | 12/16/24 |
| 30 Year Conventional Refi | 6.53% | 12/16/24 |
| 30 Year Cash-out Refi | 6.80% | 12/16/24 |
| 30 Year FHA Purchase | 7.56% | 12/16/24 |
| 30 Year FHA Refi | 7.55% | 12/16/24 |
| 30 Year VA Purchase | 6.28% | 12/16/24 |
| 30 Year VA Refi | 5.91% | 12/16/24 |
| 30 Year USDA Purchase | 6.73% | 12/16/24 |
| 30 Year USDA Refi | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 6.66% | 12/16/24 |
| 15 Year Conventional Refi | 5.99% | 12/16/24 |
| 15 Year Cash-out Refi | 5.99% | 12/16/24 |
| 15 Year FHA Refi | 5.68% | 12/16/24 |
| 15 Year VA Refi | 5.68% | 12/16/24 |
| 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. | ||
S1l Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from S1l. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,187Origination Dollar Volume (All Markets)
$1,550,105,000Awards
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S1L - 2023
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For 2023, less than of lenders were eligible for this award.
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Relative Rate
S1l's average 30 year fixed mortgage rate was
6.58%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.1%.
Relative Fees (Closing Costs)
S1l's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,538.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 506 | $202,770,000 | $400,731 | $8,735 | 6.14% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 259 | $120,335,000 | $464,614 | $12,838 | 7.81% |
| BOISE CITY, ID (FHA|USDA|VA) | 359 | $115,135,000 | $320,710 | $10,084 | 6.91% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 290 | $101,330,000 | $349,414 | $11,479 | 6.30% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 156 | $98,790,000 | $633,269 | $11,110 | 7.30% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 174 | $70,780,000 | $406,782 | $11,912 | 6.13% |
| SALEM, OR (FHA|USDA|VA) | 136 | $50,900,000 | $374,265 | $10,769 | 6.90% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 113 | $49,225,000 | $435,619 | $11,840 | 6.97% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 125 | $48,205,000 | $385,640 | $10,301 | 6.45% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 78 | $44,930,000 | $576,026 | $13,430 | 6.47% |
| SALINAS, CA (FHA|USDA|VA) | 57 | $42,075,000 | $738,158 | $13,966 | 7.45% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 135 | $37,775,000 | $279,815 | $10,178 | 6.08% |
| Outside of Metro Areas | 129 | $34,065,000 | $264,070 | $9,525 | 6.16% |
| MODESTO, CA (FHA|USDA|VA) | 125 | $33,255,000 | $266,040 | $10,169 | 6.38% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 82 | $31,470,000 | $383,780 | $11,566 | 7.54% |
| Montrose, CO (FHA|USDA|VA) | 72 | $23,420,000 | $325,278 | $11,449 | 5.91% |
| BOULDER, CO (FHA|USDA|VA) | 32 | $19,140,000 | $598,125 | $8,123 | 6.86% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 85 | $18,905,000 | $222,412 | $8,003 | 6.40% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 38 | $18,500,000 | $486,842 | $8,256 | 6.94% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 37 | $16,125,000 | $435,811 | $14,801 | 7.33% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 14 | $14,360,000 | $1,025,714 | $10,672 | 6.77% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 43 | $13,945,000 | $324,302 | $11,671 | 7.24% |
| GRANTS PASS, OR (FHA|USDA|VA) | 41 | $12,335,000 | $300,854 | $12,792 | 7.13% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 19 | $12,255,000 | $645,000 | $11,817 | 6.71% |
| STOCKTON, CA (FHA|USDA|VA) | 40 | $11,880,000 | $297,000 | $10,905 | 6.72% |
| LONGVIEW, WA (FHA|USDA|VA) | 43 | $11,625,000 | $270,349 | $10,242 | 5.65% |
| GREELEY, CO (FHA|USDA|VA) | 33 | $10,955,000 | $331,970 | $10,358 | 4.78% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 34 | $10,070,000 | $296,176 | $9,373 | 6.57% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 18 | $9,180,000 | $510,000 | $9,398 | 7.35% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 26 | $9,130,000 | $351,154 | $10,245 | 6.61% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 38 | $9,080,000 | $238,947 | $10,100 | 5.81% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 39 | $8,625,000 | $221,154 | $8,331 | 7.27% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 21 | $8,175,000 | $389,286 | $8,107 | 7.28% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $7,630,000 | $545,000 | $8,089 | 7.73% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 35 | $7,335,000 | $209,571 | $10,470 | 6.70% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 35 | $7,095,000 | $202,714 | $7,539 | 6.66% |
| MEDFORD, OR (FHA|USDA|VA) | 20 | $6,480,000 | $324,000 | $8,719 | 6.84% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 28 | $6,120,000 | $218,571 | $9,250 | 6.56% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 15 | $5,725,000 | $381,667 | $8,985 | 7.59% |
| BEND, OR (FHA|USDA|VA) | 11 | $5,665,000 | $515,000 | $11,756 | 6.85% |
| FORT COLLINS, CO (FHA|USDA|VA) | 15 | $5,465,000 | $364,333 | $7,985 | 5.82% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $5,255,000 | $583,889 | $10,118 | 7.25% |
| VALLEJO, CA (FHA|USDA|VA) | 12 | $4,800,000 | $400,000 | $12,850 | 7.13% |
| Hereford, TX (FHA|USDA|VA) | 22 | $4,700,000 | $213,636 | $12,535 | 6.03% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 16 | $4,430,000 | $276,875 | $8,707 | 7.10% |
| ST. GEORGE, UT (FHA|USDA|VA) | 14 | $3,960,000 | $282,857 | $13,475 | 7.92% |
| MERCED, CA (FHA|USDA|VA) | 13 | $3,915,000 | $301,154 | $9,215 | 5.59% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 16 | $3,910,000 | $244,375 | $6,692 | 7.14% |
| CORVALLIS, OR (FHA|USDA|VA) | 10 | $3,430,000 | $343,000 | $9,693 | 7.09% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 17 | $3,405,000 | $200,294 | $9,678 | 5.37% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 8 | $3,220,000 | $402,500 | $11,166 | 6.95% |
| PROVO-OREM, UT (FHA|USDA|VA) | 8 | $3,140,000 | $392,500 | $9,094 | 7.20% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $3,115,000 | $1,038,333 | $26,306 | 6.29% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 7 | $3,075,000 | $439,286 | $11,780 | 7.98% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $3,030,000 | $1,515,000 | $7,916 | 7.06% |
| Newport, OR (FHA|USDA|VA) | 8 | $3,010,000 | $376,250 | $7,883 | 7.14% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $2,995,000 | $2,995,000 | $40,866 | 6.50% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 6 | $2,700,000 | $450,000 | $8,988 | 6.85% |
| Ontario, OR-ID (FHA|USDA|VA) | 13 | $2,695,000 | $207,308 | $10,507 | 6.78% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 11 | $2,615,000 | $237,727 | $7,646 | 6.66% |
| FRESNO, CA (FHA|USDA|VA) | 10 | $2,610,000 | $261,000 | $10,067 | 6.20% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 9 | $2,425,000 | $269,444 | $8,739 | 5.67% |
| RENO, NV (FHA|USDA|VA) | 6 | $2,340,000 | $390,000 | $9,005 | 8.27% |
| TWIN FALLS, ID (FHA|USDA|VA) | 6 | $2,270,000 | $378,333 | $10,666 | 6.65% |
| Rexburg, ID (FHA|USDA|VA) | 8 | $2,270,000 | $283,750 | $11,084 | 6.89% |
| PUEBLO, CO (FHA|USDA|VA) | 11 | $2,145,000 | $195,000 | $11,281 | 5.36% |
| Outside of Metro Areas | 5 | $2,125,000 | $425,000 | $12,919 | 7.20% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $2,040,000 | $1,020,000 | $9,816 | 6.44% |
| YUBA CITY, CA (FHA|USDA|VA) | 7 | $2,035,000 | $290,714 | $11,120 | 6.47% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,855,000 | $618,333 | $10,492 | 7.25% |
| Roseburg, OR (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $11,867 | 6.23% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,760,000 | $440,000 | $13,746 | 6.72% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $11,226 | 6.95% |
| CHICO, CA (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $12,972 | 6.45% |
| Moscow, ID (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $8,375 | 6.53% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $8,231 | 6.63% |
| AMARILLO, TX (FHA|USDA|VA) | 10 | $1,500,000 | $150,000 | $8,512 | 6.91% |
| Granbury, TX (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $9,383 | 7.10% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $1,450,000 | $725,000 | $7,430 | 7.75% |
| EL CENTRO, CA (FHA|USDA|VA) | 8 | $1,430,000 | $178,750 | $7,745 | 9.83% |
| Gainesville, TX (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $10,113 | 6.84% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 12 | $1,380,000 | $115,000 | $5,846 | 7.53% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $6,149 | 7.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $7,661 | 6.04% |
| Blackfoot, ID (FHA|USDA|VA) | 7 | $1,215,000 | $173,571 | $6,612 | 7.02% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $6,691 | 7.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $8,926 | 7.31% |
| YUMA, AZ (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $13,233 | 6.29% |
| Bonham, TX (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $7,125 | 5.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $9,208 | 9.22% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $11,391 | 6.58% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $8,929 | 6.44% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $6,932 | 6.78% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $7,962 | 8.14% |
| Sonora, CA (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $7,590 | 6.71% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $7,984 | 6.98% |
| Coos Bay, OR (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $9,081 | 6.67% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $9,777 | 6.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $9,529 | 6.81% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $12,752 | 7.31% |
| Breckenridge, CO (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $7,064 | 7.46% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $13,102 | 9.79% |
| Maysville, KY (FHA|USDA|VA) | 7 | $875,000 | $125,000 | $6,168 | 6.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $14,950 | 8.98% |
| Centralia, WA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $6,223 | 6.92% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $7,274 | 8.05% |
| Fernley, NV (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $5,221 | 6.56% |
| Cañon City, CO (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $4,341 | 5.38% |
| Fort Morgan, CO (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $7,929 | 5.07% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $18,019 | 5.38% |
| LONGVIEW, TX (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $8,328 | 5.56% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $13,872 | 6.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $5,162 | 7.44% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $18,802 | 9.20% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $13,158 | 6.69% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $5,052 | 8.74% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $8,294 | 6.93% |
| MADISON, WI (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,922 | 7.99% |
| El Campo, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $7,354 | 6.63% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $8,986 | 7.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $8,142 | 6.63% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $19,328 | 7.25% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $13,818 | 6.75% |
| Uvalde, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $10,787 | 7.63% |
| WACO, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,603 | 7.25% |
| Pullman, WA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $9,205 | 10.46% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $12,436 | 6.25% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,847 | 6.25% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $18,644 | 6.38% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $11,716 | 7.50% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $16,201 | 6.99% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $17,106 | 6.25% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $8,400 | 6.75% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $10,360 | 7.50% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,545 | 4.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,978 | 7.00% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,650 | 7.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $8,057 | 6.88% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,535 | 6.87% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $10,375 | 7.25% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $5,655 | 6.79% |
| Sterling, CO (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $6,340 | 8.03% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,838 | 6.25% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $17,155 | 6.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,625 | 7.88% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $10,024 | 8.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,191 | 6.13% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,519 | 9.20% |
| MADERA, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $9,073 | 7.80% |
| Mountain Home, ID (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $7,372 | 6.79% |
| Crossville, TN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,834 | 7.50% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,023 | 6.37% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $13,768 | 7.38% |
| Pampa, TX (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $7,521 | 6.29% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $16,417 | 7.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $9,435 | 7.18% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $13,584 | 5.75% |
| Cullman, AL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,876 | 7.31% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,752 | 6.25% |
| Athens, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,883 | 6.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,098 | 6.56% |
| Hailey, ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,706 | 6.88% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,041 | 5.99% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $19,764 | 6.13% |
| Edwards, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 9.60% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,984 | 7.63% |
| REDDING, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,825 | 6.50% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,166 | 7.50% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,519 | 7.13% |
| Hilo, HI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,326 | 6.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,609 | 6.88% |
| Palestine, TX (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $5,883 | 5.21% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,213 | 5.99% |
| London, KY (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,608 | 7.50% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,552 | 7.75% |
| Prineville, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 7.00% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,269 | 6.75% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,634 | 6.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,372 | 6.00% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,813 | 7.63% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $10,525 | 9.58% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,237 | 7.63% |
| Pearsall, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,775 | 7.50% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,448 | 7.00% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,691 | 6.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,433 | 7.75% |
| Bay City, TX (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $4,317 | 4.42% |
| Laconia, NH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,236 | 8.38% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,997 | 6.88% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,298 | 7.25% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,297 | 10.58% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,738 | 7.13% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,711 | 6.25% |
| CASPER, WY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,539 | 6.50% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,012 | 5.13% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,909 | 7.25% |
| Silver City, NM (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $6,163 | 8.63% |
| Astoria, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,650 | 6.50% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,130 | 7.13% |
| Hays, KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,608 | 6.99% |
| Athens, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,468 | 7.99% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,165 | 6.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.63% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,996 | 6.25% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,042 | 5.75% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,845 | 5.99% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,691 | 6.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,980 | 7.63% |
| Safford, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,696 | 7.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,144 | 6.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,988 | 6.63% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,794 | 7.25% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,564 | 6.88% |
| Albertville, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,827 | 6.75% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,209 | 6.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,237 | 6.99% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,754 | 7.50% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,121 | 6.88% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,511 | 6.99% |
| Raymondville, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,527 | 7.38% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,326 | 5.75% |
| Dumas, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,744 | 7.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $5,637 | 11.18% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,940 | 7.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,859 | 7.63% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,022 | 5.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,917 | 7.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,304 | 5.75% |
| Palatka, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,534 | 7.63% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,697 | 6.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 11.55% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 11.56% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.90% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.88% |
| Houghton, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,668 | 6.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,657 | 7.63% |
| MONROE, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.10% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 13.25% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 12.35% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 13.70% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.50% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 13.35% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.35% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 13.85% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 12.06% |
| NILES, MI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 12.45% |
| Searcy, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.31% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.50% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.90% |
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Product Mix
For 2023, S1l's most frequently originated type of loan was Conventional, with 2,770 originations. Their 2nd most popular type was FHA, with 812 originations.
Loan Reason
For 2023, S1l's most frequently cited loan purpose was Home Purchase, with 3,529 originations. The 2nd most popular reason was Other, with 216 originations.
Loan Duration/Length
For 2023, S1l's most frequently cited loan duration was 30 Year, with 3,928 originations. The 2nd most popular length was 15 Year, with 173 originations.
Origination Fees/Closing Costs
S1l's average total fees were $10,538, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,773 originations.
Interest Rates
During 2023, S1l's average interest rate for loans was 6.58%, while their most frequently originated rate bucket for loans was 6-7%, with 1,817 originations.
Loan Sizing
2023 saw S1l place emphasis on $200k-400k loans with 1,542 originations, totaling $468,490,000 in origination value.
Applicant Income
S1l lent most frequently to those with incomes in the $100k-150k range, with 1,162 originations. The second most popular income band? $150k-250k, with 878 originations.
Applicant Debt to Income Ratio
S1l lent most frequently to those with DTI ratios of 30-36%, with 510 originations. The next most common DTI ratio? 50-60%, with 472 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.43%
S1l has an average approval rate.
Pick Rate
Approvals leading to origination66.04%
S1l has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,187 | $1,550,105,000 | $370,219 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,187 | $1,550,105,000 | $370,219 |