S1l Mortgage Rates, Fees & Info
Wilmington, DELEI: 2549004FXPNKCLIN8250
Tax ID: 84-2764875
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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, Dallas, San Diego, Colorado Springs, and Sacramento among others. We have data for 320 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 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 | 6.37% | 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
7,034Origination Dollar Volume (All Markets)
$2,825,890,000Awards
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S1L - 2022
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For 2022, 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 |
|---|---|---|---|---|---|
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 859 | $374,245,000 | $435,675 | $7,401 | 4.51% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 528 | $180,260,000 | $341,402 | $10,521 | 5.09% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 233 | $154,735,000 | $664,099 | $14,580 | 4.96% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 374 | $147,840,000 | $395,294 | $8,245 | 4.66% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 270 | $127,240,000 | $471,259 | $10,374 | 4.66% |
| BOISE CITY, ID (FHA|USDA|VA) | 340 | $124,460,000 | $366,059 | $8,481 | 5.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 145 | $107,275,000 | $739,828 | $12,169 | 5.30% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 125 | $89,395,000 | $715,160 | $10,500 | 4.51% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 197 | $88,035,000 | $446,878 | $7,483 | 5.17% |
| SALEM, OR (FHA|USDA|VA) | 185 | $72,815,000 | $393,595 | $9,238 | 4.86% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 259 | $67,985,000 | $262,490 | $8,521 | 4.64% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 138 | $63,950,000 | $463,406 | $11,129 | 5.02% |
| MODESTO, CA (FHA|USDA|VA) | 178 | $59,370,000 | $333,539 | $8,560 | 4.60% |
| SALINAS, CA (FHA|USDA|VA) | 72 | $58,660,000 | $814,722 | $10,685 | 4.94% |
| Outside of Metro Areas | 168 | $55,190,000 | $328,512 | $7,592 | 4.83% |
| BOULDER, CO (FHA|USDA|VA) | 72 | $44,260,000 | $614,722 | $7,049 | 4.80% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 96 | $42,970,000 | $447,604 | $9,048 | 4.61% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 141 | $42,735,000 | $303,085 | $9,212 | 5.18% |
| BEND, OR (FHA|USDA|VA) | 87 | $42,465,000 | $488,103 | $10,562 | 4.74% |
| Moscow, ID (FHA|USDA|VA) | 111 | $37,595,000 | $338,694 | $6,684 | 5.20% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 153 | $34,125,000 | $223,039 | $10,554 | 5.20% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 62 | $33,820,000 | $545,484 | $9,395 | 4.64% |
| GRANTS PASS, OR (FHA|USDA|VA) | 102 | $32,170,000 | $315,392 | $9,516 | 4.91% |
| Montrose, CO (FHA|USDA|VA) | 93 | $28,265,000 | $303,925 | $8,775 | 4.47% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 63 | $27,975,000 | $444,048 | $10,938 | 4.96% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 50 | $27,810,000 | $556,200 | $8,908 | 4.52% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 40 | $26,770,000 | $669,250 | $12,417 | 5.02% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 91 | $25,815,000 | $283,681 | $5,609 | 5.03% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 28 | $25,420,000 | $907,857 | $12,298 | 4.58% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 101 | $21,765,000 | $215,495 | $5,533 | 5.46% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 25 | $20,105,000 | $804,200 | $13,269 | 4.35% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 84 | $19,730,000 | $234,881 | $7,811 | 5.20% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 43 | $19,335,000 | $449,651 | $12,157 | 4.52% |
| GREELEY, CO (FHA|USDA|VA) | 57 | $19,265,000 | $337,982 | $7,508 | 4.15% |
| Pullman, WA (FHA|USDA|VA) | 51 | $18,235,000 | $357,549 | $7,132 | 5.28% |
| STOCKTON, CA (FHA|USDA|VA) | 40 | $15,600,000 | $390,000 | $8,660 | 4.41% |
| RENO, NV (FHA|USDA|VA) | 19 | $14,795,000 | $778,684 | $13,573 | 4.79% |
| LONGVIEW, WA (FHA|USDA|VA) | 49 | $13,945,000 | $284,592 | $7,995 | 4.78% |
| PROVO-OREM, UT (FHA|USDA|VA) | 26 | $13,040,000 | $501,538 | $13,164 | 5.01% |
| MEDFORD, OR (FHA|USDA|VA) | 33 | $11,575,000 | $350,758 | $9,714 | 5.02% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 29 | $11,325,000 | $390,517 | $10,986 | 4.98% |
| ST. GEORGE, UT (FHA|USDA|VA) | 32 | $11,280,000 | $352,500 | $9,038 | 5.07% |
| FORT COLLINS, CO (FHA|USDA|VA) | 27 | $9,995,000 | $370,185 | $6,243 | 5.20% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 33 | $9,795,000 | $296,818 | $7,209 | 5.39% |
| PUEBLO, CO (FHA|USDA|VA) | 47 | $9,775,000 | $207,979 | $6,096 | 3.37% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 24 | $8,710,000 | $362,917 | $9,188 | 4.99% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $8,430,000 | $602,143 | $11,766 | 5.28% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 20 | $8,180,000 | $409,000 | $6,976 | 5.19% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 37 | $7,905,000 | $213,649 | $10,483 | 5.35% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 18 | $7,480,000 | $415,556 | $6,895 | 4.82% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 22 | $7,380,000 | $335,455 | $10,562 | 5.03% |
| YUBA CITY, CA (FHA|USDA|VA) | 23 | $7,045,000 | $306,304 | $8,371 | 3.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 20 | $6,890,000 | $344,500 | $9,293 | 5.71% |
| TWIN FALLS, ID (FHA|USDA|VA) | 21 | $6,395,000 | $304,524 | $10,336 | 4.64% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 24 | $6,370,000 | $265,417 | $7,435 | 4.42% |
| Rexburg, ID (FHA|USDA|VA) | 18 | $5,740,000 | $318,889 | $9,299 | 5.11% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 17 | $5,675,000 | $333,824 | $8,315 | 4.73% |
| MERCED, CA (FHA|USDA|VA) | 21 | $5,585,000 | $265,952 | $8,452 | 4.42% |
| CORVALLIS, OR (FHA|USDA|VA) | 15 | $5,535,000 | $369,000 | $6,836 | 4.92% |
| Breckenridge, CO (FHA|USDA|VA) | 6 | $5,360,000 | $893,333 | $4,720 | 5.33% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 18 | $5,050,000 | $280,556 | $7,764 | 4.06% |
| FRESNO, CA (FHA|USDA|VA) | 16 | $4,900,000 | $306,250 | $7,931 | 4.32% |
| VALLEJO, CA (FHA|USDA|VA) | 10 | $4,670,000 | $467,000 | $11,281 | 5.11% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 14 | $4,410,000 | $315,000 | $7,693 | 4.53% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $3,950,000 | $329,167 | $8,530 | 4.71% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 11 | $3,735,000 | $339,545 | $6,800 | 5.67% |
| EL CENTRO, CA (FHA|USDA|VA) | 15 | $3,645,000 | $243,000 | $7,637 | 5.04% |
| Roseburg, OR (FHA|USDA|VA) | 15 | $3,635,000 | $242,333 | $9,855 | 4.79% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 8 | $3,440,000 | $430,000 | $7,683 | 5.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 8 | $3,390,000 | $423,750 | $9,131 | 5.25% |
| Ontario, OR-ID (FHA|USDA|VA) | 13 | $3,315,000 | $255,000 | $8,760 | 4.76% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 8 | $3,160,000 | $395,000 | $7,745 | 5.26% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $3,150,000 | $525,000 | $8,430 | 5.25% |
| Cañon City, CO (FHA|USDA|VA) | 12 | $2,980,000 | $248,333 | $9,013 | 3.77% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $2,960,000 | $370,000 | $8,065 | 4.09% |
| REDDING, CA (FHA|USDA|VA) | 10 | $2,840,000 | $284,000 | $6,889 | 4.35% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 5 | $2,725,000 | $545,000 | $10,321 | 5.40% |
| Blackfoot, ID (FHA|USDA|VA) | 11 | $2,725,000 | $247,727 | $7,449 | 5.48% |
| Hailey, ID (FHA|USDA|VA) | 3 | $2,675,000 | $891,667 | $19,363 | 3.96% |
| Sonora, CA (FHA|USDA|VA) | 5 | $2,625,000 | $525,000 | $9,835 | 4.58% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $2,570,000 | $321,250 | $6,764 | 5.20% |
| Mountain Home, ID (FHA|USDA|VA) | 9 | $2,495,000 | $277,222 | $7,492 | 4.35% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 7 | $2,485,000 | $355,000 | $8,881 | 4.57% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 10 | $2,400,000 | $240,000 | $10,374 | 4.54% |
| KNOXVILLE, TN (FHA|USDA|VA) | 6 | $2,360,000 | $393,333 | $12,157 | 6.44% |
| Key West, FL (FHA|USDA|VA) | 1 | $2,315,000 | $2,315,000 | $16,393 | 3.63% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $2,250,000 | $1,125,000 | $14,003 | 4.50% |
| Heber, UT (FHA|USDA|VA) | 2 | $2,250,000 | $1,125,000 | $24,070 | 4.25% |
| Athens, TX (FHA|USDA|VA) | 10 | $2,250,000 | $225,000 | $9,461 | 4.96% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $2,170,000 | $271,250 | $6,903 | 5.17% |
| TYLER, TX (FHA|USDA|VA) | 6 | $2,140,000 | $356,667 | $12,958 | 5.54% |
| NAPA, CA (FHA|USDA|VA) | 4 | $2,110,000 | $527,500 | $16,195 | 4.72% |
| MADERA, CA (FHA|USDA|VA) | 8 | $2,050,000 | $256,250 | $5,891 | 3.83% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $2,030,000 | $338,333 | $8,802 | 3.87% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $13,686 | 4.92% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 8 | $1,990,000 | $248,750 | $7,255 | 5.78% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,985,000 | $397,000 | $8,600 | 5.72% |
| YUMA, AZ (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $6,771 | 5.29% |
| Coos Bay, OR (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $11,347 | 5.00% |
| Newport, OR (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $7,361 | 4.34% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $1,830,000 | $457,500 | $6,434 | 4.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 5 | $1,815,000 | $363,000 | $7,729 | 4.40% |
| EL PASO, TX (FHA|USDA|VA) | 9 | $1,805,000 | $200,556 | $6,588 | 5.28% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $8,265 | 4.60% |
| CHICO, CA (FHA|USDA|VA) | 6 | $1,770,000 | $295,000 | $6,323 | 5.19% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $1,740,000 | $870,000 | $7,149 | 6.81% |
| Hereford, TX (FHA|USDA|VA) | 9 | $1,725,000 | $191,667 | $11,558 | 6.17% |
| Prineville, OR (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $9,692 | 5.31% |
| CARSON CITY, NV (FHA|USDA|VA) | 3 | $1,615,000 | $538,333 | $6,737 | 5.29% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $1,595,000 | $1,595,000 | $6,552 | 5.38% |
| Gainesville, TX (FHA|USDA|VA) | 7 | $1,585,000 | $226,429 | $8,428 | 3.98% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $13,350 | 5.29% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $6,866 | 6.19% |
| Corsicana, TX (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $6,054 | 3.96% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,440,000 | $720,000 | $12,463 | 4.37% |
| Fort Morgan, CO (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $5,090 | 4.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $5,329 | 3.59% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $1,400,000 | $700,000 | $6,908 | 4.06% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $1,400,000 | $700,000 | $11,496 | 4.88% |
| WALLA WALLA, WA (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $4,923 | 5.46% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $9,475 | 3.65% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $18,439 | 4.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $9,902 | 4.90% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $1,345,000 | $1,345,000 | $9,603 | 5.13% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $5,588 | 4.55% |
| Centralia, WA (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $11,059 | 5.69% |
| Ukiah, CA (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $10,692 | 5.44% |
| Edwards, CO (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $5,343 | 5.12% |
| WACO, TX (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $13,820 | 5.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $6,384 | 4.72% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $7,863 | 4.54% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $5,322 | 3.94% |
| POCATELLO, ID (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $8,074 | 4.98% |
| AMARILLO, TX (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $10,065 | 6.41% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $25,818 | 3.81% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $9,617 | 5.54% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $9,985 | 4.78% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $5,362 | 5.13% |
| Sterling, CO (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $7,066 | 4.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $6,281 | 4.88% |
| El Campo, TX (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $6,652 | 5.71% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $6,089 | 6.78% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $6,135 | 3.88% |
| TULSA, OK (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $7,730 | 4.94% |
| Granbury, TX (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $9,715 | 5.12% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $890,000 | $148,333 | $6,418 | 5.17% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $5,811 | 4.03% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $5,986 | 5.99% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $8,081 | 5.50% |
| Durango, CO (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $7,088 | 6.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $9,326 | 5.19% |
| Burley, ID (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $13,425 | 3.67% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $8,072 | 5.08% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $14,059 | 6.38% |
| Klamath Falls, OR (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $6,149 | 4.66% |
| Warrensburg, MO (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $6,936 | 5.21% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $7,679 | 6.08% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $12,803 | 6.04% |
| Clearlake, CA (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $5,166 | 4.66% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $6,243 | 5.50% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $10,531 | 5.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,105 | 3.00% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $9,815 | 4.68% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,485 | 4.29% |
| Paris, TX (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $14,682 | 5.69% |
| LAREDO, TX (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,701 | 5.58% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $4,773 | 4.00% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,534 | 4.56% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $5,160 | 5.38% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,086 | 4.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $20,496 | 5.58% |
| AKRON, OH (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $5,665 | 4.63% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $18,140 | 5.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $7,983 | 4.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,819 | 5.62% |
| La Grande, OR (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $16,305 | 4.25% |
| Outside of Metro Areas | 2 | $620,000 | $310,000 | $7,447 | 5.19% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,266 | 6.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $9,373 | 4.88% |
| Astoria, OR (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $20,553 | 6.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,871 | 6.13% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $8,784 | 5.06% |
| Bonham, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $11,918 | 3.94% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $5,747 | 4.99% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $10,672 | 5.06% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $10,278 | 4.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $8,002 | 5.92% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $16,163 | 4.63% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,177 | 4.81% |
| BATON ROUGE, LA (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $5,015 | 3.94% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $5,319 | 4.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,337 | 3.56% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $6,769 | 5.71% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,262 | 6.44% |
| Seneca, SC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $9,320 | 5.69% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,398 | 4.56% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $5,859 | 4.66% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,279 | 5.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,076 | 6.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,291 | 4.58% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,120 | 5.13% |
| Oxford, MS (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,405 | 5.88% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $8,265 | 3.50% |
| MADISON, WI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,023 | 4.13% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,913 | 4.63% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $5,283 | 6.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,975 | 6.50% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $10,314 | 5.31% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,809 | 5.13% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,036 | 4.75% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,731 | 3.62% |
| Shawano, WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $17,503 | 3.99% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $6,645 | 6.12% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,754 | 5.25% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,663 | 5.63% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,455 | 4.75% |
| READING, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,004 | 6.38% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,728 | 3.88% |
| Pampa, TX (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,094 | 6.54% |
| MONROE, LA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,184 | 5.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,793 | 4.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,271 | 6.50% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,512 | 3.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,414 | 7.13% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,690 | 6.50% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,712 | 3.99% |
| Brookings, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,182 | 4.38% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,521 | 3.88% |
| Columbus, MS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,985 | 5.25% |
| Shelton, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,446 | 5.63% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,802 | 5.75% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,949 | 3.75% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,356 | 7.00% |
| Taos, NM (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,721 | 4.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,960 | 4.81% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,009 | 4.25% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,350 | 6.63% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,930 | 3.99% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,582 | 4.50% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,775 | 4.75% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,066 | 3.38% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,695 | 7.50% |
| Gillette, WY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,300 | 5.25% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,264 | 4.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,696 | 7.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,391 | 4.75% |
| Ozark, AL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,999 | 5.25% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,448 | 5.25% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,318 | 3.75% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,633 | 4.75% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,068 | 3.88% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,234 | 4.38% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,269 | 7.63% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,071 | 3.38% |
| Minot, ND (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,244 | 4.75% |
| Bay City, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,007 | 5.13% |
| Alice, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,858 | 5.50% |
| Harrison, AR (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,503 | 3.81% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,561 | 5.99% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,482 | 5.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,274 | 4.88% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,024 | 3.63% |
| NILES, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,642 | 5.00% |
| Palestine, TX (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,604 | 3.13% |
| Yankton, SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,880 | 3.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,641 | 4.99% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $9,184 | 3.06% |
| Wilson, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.88% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,128 | 5.63% |
| Raymondville, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,078 | 6.00% |
| Elko, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,478 | 5.13% |
| Dumas, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,223 | 5.75% |
| Sulphur Springs, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,572 | 1.94% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,700 | 5.38% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,611 | 3.50% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,281 | 4.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,076 | 3.38% |
| Duncan, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,134 | 4.50% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,267 | 6.25% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,977 | 3.99% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,575 | 3.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,109 | 3.50% |
| Barre, VT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,557 | 6.88% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,008 | 3.38% |
| OCALA, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,488 | 3.63% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,096 | 5.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,054 | 7.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $4,355 | 5.56% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,325 | 4.13% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,561 | 6.63% |
| Maysville, KY (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $5,855 | 7.00% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,171 | 3.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,722 | 2.88% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,538 | 2.88% |
| Othello, WA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $6,154 | 2.00% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,065 | 3.25% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,957 | 5.38% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,475 | 3.88% |
| Clovis, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,902 | 3.99% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,562 | 6.13% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,182 | 3.63% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,466 | 3.50% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,116 | 5.81% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $4,117 | 4.56% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.88% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.99% |
| Susanville, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.00% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,865 | 7.13% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,356 | 6.50% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,517 | 5.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,738 | 2.38% |
| Defiance, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,492 | 3.75% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,518 | 6.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,260 | 6.63% |
| Danville, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,294 | 2.99% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $7,126 | 6.25% |
| Beeville, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,631 | 4.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,911 | 4.25% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,152 | 2.50% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,335 | 4.75% |
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.
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Product Mix
For 2022, S1l's most frequently originated type of loan was Conventional, with 5,280 originations. Their 2nd most popular type was FHA, with 1,190 originations.
Loan Reason
For 2022, S1l's most frequently cited loan purpose was Home Purchase, with 5,757 originations. The 2nd most popular reason was Cash Out Refi, with 898 originations.
Loan Duration/Length
For 2022, S1l's most frequently cited loan duration was 30 Year, with 6,735 originations. The 2nd most popular length was 15 Year, with 184 originations.
Origination Fees/Closing Costs
S1l's average total fees were $9,145, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,519 originations.
Interest Rates
During 2022, S1l's average interest rate for loans was 4.86%, while their most frequently originated rate bucket for loans was 5-6%, with 2,052 originations.
Loan Sizing
2022 saw S1l place emphasis on $200k-400k loans with 2,963 originations, totaling $898,355,000 in origination value.
Applicant Income
S1l lent most frequently to those with incomes in the $100k-150k range, with 1,796 originations. The second most popular income band? $75k-100k, with 1,367 originations.
Applicant Debt to Income Ratio
S1l lent most frequently to those with DTI ratios of 30-36%, with 1,043 originations. The next most common DTI ratio? 20-30%, with 789 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.71%
S1l has an average approval rate.
Pick Rate
Approvals leading to origination55.81%
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 | 7,034 | $2,825,890,000 | $401,747 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7,034 | $2,825,890,000 | $401,747 |