Watermark Capital Mortgage Rates, Fees & Info

Irvine, CA

LEI: 2549005Q4HZ55QX7YC64

Tax ID: 20-4255880

4.7 stars - Updated: 6/9/24 - out of 5 stars, based on 25 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Watermark Capital is a smaller mortgage company specializing in Home Purchase loans. Watermark Capital has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Dallas, San Diego, Houston, and Washington among others. We have data for 108 markets. (Some data included below & more in-depth data is available with an active subscription.)

Watermark Capital 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. Watermark Capital 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 6.31% 6/9/24
30 Year Conventional Refi 6.10% 6/9/24
30 Year Cash-out Refi 6.29% 6/9/24
30 Year FHA Purchase 7.19% 6/9/24
30 Year FHA Refi 6.16% 6/9/24
30 Year VA Purchase 5.86% 6/9/24
30 Year VA Refi 5.66% 6/9/24
30 Year USDA Purchase 6.19% 6/9/24
15 Year Conventional Purchase 5.85% 6/9/24
15 Year Conventional Refi 5.60% 6/9/24
15 Year Cash-out Refi 5.60% 6/9/24
15 Year VA Purchase 5.77% 6/9/24
15 Year VA Refi 5.23% 6/9/24
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.

Watermark Capital Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Watermark Capital. 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

617

Origination Dollar Volume (All Markets)

$306,375,000

Awards

Watermark Capital FHA Loans bronze Watermark Capital VA Loans silver
Show all (2) awards

Relative Rate

Watermark Capital's average 30 year fixed mortgage rate was 6.66%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.18%.

Relative Fees (Closing Costs)

Watermark Capital's average total fees/closing costs for a 30 year fixed rate mortgage were $8,898.

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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 74 $52,020,000 $702,973 $9,871 6.69%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 78 $43,750,000 $560,897 $8,641 6.67%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 52 $28,930,000 $556,346 $12,171 6.23%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 40 $18,590,000 $464,750 $7,737 6.56%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 38 $18,320,000 $482,105 $10,699 6.71%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 32 $12,970,000 $405,313 $9,398 6.86%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 17 $12,395,000 $729,118 $14,418 7.40%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 21 $10,035,000 $477,857 $10,407 6.50%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 14 $9,340,000 $667,143 $8,925 6.58%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 21 $9,155,000 $435,952 $7,784 6.68%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 12 $7,020,000 $585,000 $7,646 6.42%
STOCKTON, CA (FHA|USDA|VA) 16 $5,950,000 $371,875 $9,149 6.66%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 8 $4,820,000 $602,500 $12,244 6.57%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 8 $4,220,000 $527,500 $5,376 6.83%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $4,215,000 $843,000 $9,720 6.28%
Outside of Metro Areas 10 $3,670,000 $367,000 $7,038 7.07%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $2,665,000 $380,714 $7,256 7.59%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $2,455,000 $491,000 $7,488 6.87%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $2,080,000 $346,667 $7,545 5.85%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $2,055,000 $411,000 $7,677 6.42%
OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $1,920,000 $320,000 $10,193 6.77%
WORCESTER, MA-CT (FHA|USDA|VA) 5 $1,835,000 $367,000 $5,141 6.33%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $1,740,000 $435,000 $4,949 6.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,600,000 $400,000 $8,775 6.94%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $1,595,000 $531,667 $5,967 7.04%
BAKERSFIELD, CA (FHA|USDA|VA) 8 $1,570,000 $196,250 $6,879 7.58%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $1,490,000 $745,000 $6,096 7.00%
BOISE CITY, ID (FHA|USDA|VA) 5 $1,465,000 $293,000 $4,808 6.20%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,380,000 $345,000 $5,131 7.15%
TULSA, OK (FHA|USDA|VA) 4 $1,370,000 $342,500 $6,726 6.72%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,365,000 $455,000 $5,205 6.58%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,235,000 $411,667 $9,621 6.21%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $1,225,000 $408,333 $8,758 5.83%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,165,000 $388,333 $4,128 6.37%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,150,000 $575,000 $8,651 6.49%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,030,000 $515,000 $3,960 6.69%
FRESNO, CA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $3,480 6.88%
PROVO-OREM, UT (FHA|USDA|VA) 2 $990,000 $495,000 $11,006 5.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $880,000 $440,000 $5,170 6.19%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $780,000 $390,000 $4,398 6.75%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $780,000 $390,000 $7,389 7.43%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $710,000 $355,000 $9,808 6.69%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $700,000 $350,000 $5,280 6.94%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $685,000 $685,000 $4,484 7.49%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $685,000 $685,000 $19,950 5.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $680,000 $340,000 $4,207 6.93%
MODESTO, CA (FHA|USDA|VA) 2 $670,000 $335,000 $5,052 6.56%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $620,000 $310,000 $9,947 5.88%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $615,000 $615,000 $4,494 6.13%
KNOXVILLE, TN (FHA|USDA|VA) 1 $585,000 $585,000 $7,763 7.63%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $570,000 $285,000 $3,875 5.81%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $565,000 $565,000 $11,922 5.13%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $555,000 $555,000 $4,005 5.50%
RENO, NV (FHA|USDA|VA) 2 $540,000 $270,000 $3,565 6.44%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $525,000 $525,000 $8,513 6.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $520,000 $260,000 $5,913 6.69%
LANCASTER, PA (FHA|USDA|VA) 1 $495,000 $495,000 $6,516 6.99%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $475,000 $475,000 $11,635 6.88%
Laramie, WY (FHA|USDA|VA) 1 $475,000 $475,000 $5,363 5.88%
CARSON CITY, NV (FHA|USDA|VA) 2 $470,000 $235,000 $4,603 6.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $460,000 $230,000 $4,240 7.00%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $445,000 $445,000 $5,814 6.63%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $435,000 $435,000 $4,576 5.88%
Athens, TX (FHA|USDA|VA) 1 $435,000 $435,000 $3,682 6.38%
CORVALLIS, OR (FHA|USDA|VA) 1 $435,000 $435,000 $7,022 7.63%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $420,000 $210,000 $6,238 6.63%
VISALIA, CA (FHA|USDA|VA) 1 $405,000 $405,000 $4,251 6.00%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $395,000 $395,000 $6,726 5.63%
WILMINGTON, NC (FHA|USDA|VA) 1 $385,000 $385,000 $11,560 7.62%
Heber, UT (FHA|USDA|VA) 1 $375,000 $375,000 $5,898 7.99%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $365,000 $365,000 $4,804 7.50%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $365,000 $365,000 $3,727 5.88%
GREEN BAY, WI (FHA|USDA|VA) 1 $335,000 $335,000 $3,587 6.63%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $325,000 $325,000 $2,630 6.00%
ODESSA, TX (FHA|USDA|VA) 1 $325,000 $325,000 $4,969 5.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $315,000 $315,000 $9,798 6.75%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $315,000 $315,000 $10,934 5.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $305,000 $305,000 $4,320 7.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $305,000 $305,000 $10,338 7.63%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $305,000 $305,000 $4,486 6.63%
GREELEY, CO (FHA|USDA|VA) 1 $305,000 $305,000 $4,854 5.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $275,000 $275,000 $10,396 5.50%
COLUMBIA, SC (FHA|USDA|VA) 1 $265,000 $265,000 $4,905 6.50%
Big Spring, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,937 5.99%
SALINAS, CA (FHA|USDA|VA) 1 $255,000 $255,000 $4,612 6.61%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $7,983 6.62%
RICHMOND, VA (FHA|USDA|VA) 1 $245,000 $245,000 $3,954 6.13%
WACO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $5,143 5.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,399 5.75%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $235,000 $235,000 $3,444 6.99%
ASHEVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $5,440 7.99%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $225,000 $225,000 $8,041 6.25%
Pahrump, NV (FHA|USDA|VA) 1 $225,000 $225,000 $3,101 6.13%
TUCSON, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $4,192 5.50%
Pecos, TX (FHA|USDA|VA) 1 $195,000 $195,000 $9,254 5.63%
LONGVIEW, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,065 6.13%
Sunbury, PA (FHA|USDA|VA) 1 $165,000 $165,000 $5,872 6.13%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $165,000 $165,000 $3,807 6.50%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $6,816 8.50%
PITTSBURGH, PA (FHA|USDA|VA) 1 $165,000 $165,000 $4,276 6.13%
READING, PA (FHA|USDA|VA) 1 $155,000 $155,000 $5,477 8.00%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $145,000 $145,000 $5,566 6.13%
BURLINGTON, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,448 6.13%
VICTORIA, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,613 5.88%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $5,110 6.13%
Mount Vernon, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,789 7.50%
DOVER, DE (FHA|USDA|VA) 1 $105,000 $105,000 $3,631 6.63%
MEDFORD, OR (FHA|USDA|VA) 1 $105,000 $105,000 $2,849 6.88%
Watermark Capital's top markets include Los Angeles, Dallas, San Diego, Houston, and Washington among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Similar Lenders

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

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    CALIFORNIA CREDIT UNION
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 542 $270,510,000 $499,096 $7,940 6.70%
    FHA 41 $18,325,000 $446,951 $15,254 6.29%
    VA 32 $16,610,000 $519,063 $14,218 5.98%
    Reverse Mortgage 1 $455,000 $455,000 $0 9.74%
    FHA 1 $475,000 $475,000 $0 6.56%

    For 2023, Watermark Capital's most frequently originated type of loan was Conventional, with 542 originations. Their 2nd most popular type was FHA, with 41 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 519 $262,685,000 $506,137 $9,072 6.65%
    Cash Out Refi 49 $17,405,000 $355,204 $7,885 6.84%
    Refi 40 $23,260,000 $581,500 $6,197 6.23%
    Home Improvement 9 $3,025,000 $336,111 $6,843 6.53%

    For 2023, Watermark Capital's most frequently cited loan purpose was Home Purchase, with 519 originations. The 2nd most popular reason was Cash Out Refi, with 49 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 593 $297,095,000 $501,003 $8,898 6.66%
    15 Year 18 $7,130,000 $396,111 $4,905 5.96%
    20 Year 4 $1,220,000 $305,000 $5,804 6.34%
    Other 2 $930,000 $465,000 $0 8.15%

    For 2023, Watermark Capital's most frequently cited loan duration was 30 Year, with 593 originations. The 2nd most popular length was 15 Year, with 18 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 293 $141,115,000 $481,621
    $5k+ 165 $97,645,000 $591,788
    $2k-3k 63 $25,655,000 $407,222
    $3k-4k 49 $22,285,000 $454,796
    $4k-5k 42 $17,970,000 $427,857
    $<1k 2 $400,000 $200,000

    Watermark Capital's average total fees were $8,898, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 293 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 297 $142,755,000 $480,657
    7-8% 152 $77,310,000 $508,618
    5-6% 146 $75,590,000 $517,740
    Over 8% 16 $7,190,000 $449,375
    4-5% 6 $3,530,000 $588,333

    During 2023, Watermark Capital's average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 6-7%, with 297 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 197 $58,485,000 $296,878 $7,078 6.67%
    $400k-600k 192 $94,170,000 $490,469 $8,974 6.60%
    $600k-1MM 147 $108,945,000 $741,122 $10,496 6.59%
    $100k-200k 51 $8,005,000 $156,961 $4,877 6.78%
    $1MM+ 28 $36,620,000 $1,307,857 $17,503 6.68%
    $100,000 or less 2 $150,000 $75,000 $3,834 6.06%

    2023 saw Watermark Capital place emphasis on $200k-400k loans with 197 originations, totaling $58,485,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 216 $112,880,000 $522,593 $8,996 6.62%
    $100k-150k 153 $59,185,000 $386,830 $8,218 6.49%
    $250k+ 150 $107,560,000 $717,067 $10,091 6.84%
    $75k-100k 60 $17,730,000 $295,500 $6,951 6.60%
    $50k-75k 31 $7,735,000 $249,516 $7,438 6.61%
    $50k or less 7 $1,285,000 $183,571 $5,551 6.70%

    Watermark Capital lent most frequently to those with incomes in the $150k-250k range, with 216 originations. The second most popular income band? $100k-150k, with 153 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 85 $40,425,000 $475,588 $7,503 6.54%
    20-30% 79 $36,655,000 $463,987 $7,686 6.53%
    48% 37 $17,235,000 $465,811 $8,542 6.59%
    39% 34 $21,690,000 $637,941 $8,945 6.57%
    49% 34 $18,030,000 $530,294 $10,825 6.66%
    50-60% 31 $14,195,000 $457,903 $15,357 6.25%
    47% 31 $13,715,000 $442,419 $7,820 6.60%
    45% 30 $12,410,000 $413,667 $7,723 6.79%
    43% 30 $15,020,000 $500,667 $8,781 6.93%
    38% 28 $13,700,000 $489,286 $7,651 6.67%
    42% 27 $13,385,000 $495,741 $8,558 6.37%
    46% 27 $13,805,000 $511,296 $8,703 6.77%
    <20% 26 $13,220,000 $508,462 $7,120 6.80%
    36% 24 $12,330,000 $513,750 $7,975 6.88%
    40% 23 $12,565,000 $546,304 $9,268 6.80%
    41% 22 $12,980,000 $590,000 $10,227 6.96%
    37% 22 $11,300,000 $513,636 $7,525 6.63%
    44% 18 $8,950,000 $497,222 $9,404 6.63%
    >60% 6 $3,460,000 $576,667 $17,274 6.12%

    Watermark Capital lent most frequently to those with DTI ratios of 30-36%, with 85 originations. The next most common DTI ratio? 20-30%, with 79 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 429 $216,185,000 $503,928 $8,768 6.66%
    Not provided 79 $38,605,000 $488,671 $9,239 6.62%
    Asian 72 $32,970,000 $457,917 $7,769 6.64%
    Black 29 $14,815,000 $510,862 $10,035 6.52%
    Asian Indian 5 $2,505,000 $501,000 $6,023 6.62%
    Chinese 1 $725,000 $725,000 $12,219 6.75%
    Native Hawaiian or Islander 1 $305,000 $305,000 $11,814 5.75%
    American Indian 1 $265,000 $265,000 $8,038 5.98%

    Approval Rates

    Total approvals of all applications
    95.00%

    Watermark Capital has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.47%

    Watermark Capital has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 617 $306,375,000 $496,556

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    617 $306,375,000 $496,556

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 34 $13,960,000 $410,588 $5,643 6.61%
    40-60% 83 $37,065,000 $446,566 $6,726 6.64%
    60-80% 248 $135,260,000 $545,403 $9,091 6.71%
    80-100% 243 $118,835,000 $489,033 $9,660 6.57%
    Over 100% 1 $275,000 $275,000 $8,383 7.13%
    Under 20% 8 $980,000 $122,500 $4,726 6.42%