S1l Mortgage Rates, Fees & Info

Wilmington, DE

LEI: 2549004FXPNKCLIN8250

Tax ID: 84-2764875

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

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & 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 by origination volume include: Denver, San Diego, Boise City, Sacramento, and San Francisco among others. We have data for 314 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 an average 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.

    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 6.38% 1/29/23
    30 Year Conventional Refi 6.48% 1/29/23
    30 Year Cash-out Refi 6.66% 1/29/23
    30 Year FHA Purchase 7.71% 1/29/23
    30 Year FHA Refi 7.19% 1/29/23
    30 Year VA Purchase 6.38% 1/29/23
    30 Year VA Refi 6.07% 1/29/23
    30 Year USDA Purchase 6.85% 1/29/23
    30 Year USDA Refi 6.60% 1/29/23
    15 Year Conventional Purchase 6.02% 1/29/23
    15 Year Conventional Refi 5.97% 1/29/23
    15 Year Cash-out Refi 5.97% 1/29/23
    15 Year FHA Purchase 8.48% 1/29/23
    15 Year FHA Refi 5.68% 1/29/23
    15 Year VA Refi 6.31% 1/29/23
    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.


    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 mortgage rate was 3.09%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.06%.

    Relative Fees (Closing Costs)

    S1l's average total fees/closing costs for a 30 year fixed rate mortgage were $6,058.

    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 $4,750.

    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) 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.

    Their top states include:
  • California (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against S1L based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SANDIA LABORATORY
    Similarity Rank: 140
    First Credit Union
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    El Dorado Savings Bank, F.S.B.
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    SPOKANE FIREFIGHTERS CREDIT UNION
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    PIONEER
    Similarity Rank: 360
    AAXY L.L.C.
    Similarity Rank: 486
    Del Norte Credit Union
    Similarity Rank: 488
    First State Bank
    Similarity Rank: 496
    ARIZONA CENTRAL
    Similarity Rank: 506
    GUADALUPE CREDIT UNION
    Similarity Rank: 525

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, S1l's most frequently originated type of loan was Conventional, with 9,899 originations. Their 2nd most popular type was FHA, with 1,196 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, S1l's most frequently cited loan purpose was Home Purchase, with 6,448 originations. The 2nd most popular reason was 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 2021, S1l's most frequently cited loan duration was 30 Year, with 10,525 originations. The 2nd most popular length was 15 Year, with 793 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 5,654 $2,159,760,000 $381,988
    $2k-3k 1,770 $576,120,000 $325,492
    $5k+ 1,418 $734,030,000 $517,652
    $3k-4k 1,119 $382,395,000 $341,729
    $<1k 1,052 $213,740,000 $203,175
    $4k-5k 770 $283,040,000 $367,584

    S1l's average total fees were $6,058, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.09%, while their most frequently originated rate bucket for loans was 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 or Islander 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 Hawaiian 1 $315,000 $315,000 $3,329 2.88%

    Approval Rates

    Total approvals of all applications
    96.13%

    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
    73.15%

    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%