Yolo Federal Credit Union Mortgage Rates, Fees & Info

Woodland, CA

LEI: 254900EHOJ91PS23E696

Tax ID: 94-1432367

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

Jump to:

Mortgage Data

Review & Overview

Yolo Federal Credit Union is a smaller credit union specializing in Refi and Cash Out Refi loans. Yolo Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Vallejo, Truckee, and Yuba City among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

Yolo Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. 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 6.27% 11/22/24
30 Year Conventional Refi 6.27% 11/22/24
30 Year Cash-out Refi 6.27% 11/22/24
15 Year Conventional Refi 5.68% 11/22/24
15 Year Cash-out Refi 5.68% 11/22/24
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.

Yolo Federal Credit Union Mortgage Calculator






Your Estimates

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

This is not an official calculator from Yolo Federal Credit Union. 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

352

Origination Dollar Volume (All Markets)

$107,740,000

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
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 332 $100,940,000 $304,036 $0 3.13%
VALLEJO, CA (FHA|USDA|VA) 9 $3,785,000 $420,556 $0 2.97%
Outside of Metro Areas 7 $1,645,000 $235,000 $0 2.82%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $775,000 $775,000 $0 3.25%
YUBA CITY, CA (FHA|USDA|VA) 3 $595,000 $198,333 $0 2.71%
Yolo Federal Credit Union's top markets include Sacramento, Vallejo, Truckee, and Yuba City among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 352 $107,740,000 $306,080 $0 3.11%

    For 2020, Yolo Federal Credit Union's most frequently originated type of loan was Conventional, with 352 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 194 $56,250,000 $289,948 $0 2.84%
    Cash Out Refi 107 $34,245,000 $320,047 $0 3.06%
    Home Purchase 42 $16,470,000 $392,143 $0 4.27%
    Other 9 $775,000 $86,111 $0 4.28%

    For 2020, Yolo Federal Credit Union's most frequently cited loan purpose was Refi, with 194 originations. The 2nd most popular reason was Cash Out Refi, with 107 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 169 $65,495,000 $387,544 $0 3.14%
    15 Year 101 $25,045,000 $247,970 $0 2.74%
    20 Year 57 $11,965,000 $209,912 $0 3.77%
    10 Year 17 $2,315,000 $136,176 $0 3.01%
    Other 8 $2,920,000 $365,000 $0 2.84%

    For 2020, Yolo Federal Credit Union's most frequently cited loan duration was 30 Year, with 169 originations. The 2nd most popular length was 15 Year, with 101 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 167 $32,945,000 $197,275
    $1k-2k 113 $37,605,000 $332,788
    $2k-3k 21 $12,545,000 $597,381
    $3k-4k 15 $9,615,000 $641,000
    $5k+ 7 $4,605,000 $657,857
    $4k-5k 5 $2,795,000 $559,000

    Yolo Federal Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 167 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 168 $53,980,000 $321,310
    3-4% 101 $38,425,000 $380,446
    <2.5% 60 $12,500,000 $208,333
    4-5% 11 $1,755,000 $159,545
    7-8% 8 $670,000 $83,750
    5-6% 4 $410,000 $102,500

    During 2020, Yolo Federal Credit Union's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 2.5-3%, with 168 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 174 $48,610,000 $279,368 $0 2.96%
    $100k-200k 82 $11,870,000 $144,756 $0 3.02%
    $400k-600k 40 $18,900,000 $472,500 $0 3.08%
    $600k-1MM 35 $25,015,000 $714,714 $0 3.03%
    $100,000 or less 19 $1,125,000 $59,211 $0 5.13%
    $1MM+ 2 $2,220,000 $1,110,000 $0 3.00%

    2020 saw Yolo Federal Credit Union place emphasis on $200k-400k loans with 174 originations, totaling $48,610,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 85 $24,485,000 $288,059 $0 3.14%
    $75k-100k 76 $18,020,000 $237,105 $0 3.01%
    $150k-250k 68 $29,240,000 $430,000 $0 3.15%
    $50k-75k 63 $13,275,000 $210,714 $0 3.11%
    $250k+ 30 $18,710,000 $623,667 $0 2.96%
    $50k or less 30 $4,010,000 $133,667 $0 3.38%

    Yolo Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 85 originations. The second most popular income band? $75k-100k, with 76 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 136 $44,070,000 $324,044 $0 3.19%
    <20% 72 $21,360,000 $296,667 $0 3.03%
    30-36% 66 $20,030,000 $303,485 $0 3.11%
    37% 12 $4,000,000 $333,333 $0 2.86%
    36% 11 $3,975,000 $361,364 $0 3.07%
    40% 10 $2,920,000 $292,000 $0 3.46%
    38% 8 $2,230,000 $278,750 $0 3.00%
    43% 7 $2,155,000 $307,857 $0 3.04%
    47% 6 $1,070,000 $178,333 $0 2.75%
    41% 5 $1,485,000 $297,000 $0 3.03%
    39% 5 $995,000 $199,000 $0 3.50%
    42% 5 $1,225,000 $245,000 $0 3.35%
    45% 3 $895,000 $298,333 $0 2.88%
    44% 3 $685,000 $228,333 $0 2.67%
    50-60% 2 $470,000 $235,000 $0 2.94%
    48% 1 $175,000 $175,000 $0 2.50%

    Yolo Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 136 originations. The next most common DTI ratio? <20%, with 72 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 217 $67,555,000 $311,313 $0 3.18%
    Not provided 112 $31,560,000 $281,786 $0 3.03%
    Asian 15 $6,065,000 $404,333 $0 2.88%
    American Indian 4 $1,280,000 $320,000 $0 2.97%
    Native Hawaiian or Islander 2 $690,000 $345,000 $0 2.63%
    Black 2 $590,000 $295,000 $0 2.56%

    Approval Rates

    Total approvals of all applications
    79.77%

    Yolo Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.52%

    Yolo Federal Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1001.55 1 $105,000 $105,000
    1016.25 1 $255,000 $255,000
    1021.27 1 $125,000 $125,000
    1022.19 1 $115,000 $115,000
    1023.76 1 $265,000 $265,000
    1032.28 1 $275,000 $275,000
    1040.48 1 $105,000 $105,000
    1040.86 1 $315,000 $315,000
    1045.01 1 $245,000 $245,000
    1047.56 1 $265,000 $265,000
    1049.95 1 $235,000 $235,000
    1058.22 1 $155,000 $155,000
    1070.72 1 $225,000 $225,000
    1076.42 1 $215,000 $215,000
    1084.26 1 $285,000 $285,000
    1091.74 1 $125,000 $125,000
    1094.52 1 $205,000 $205,000
    1103.65 1 $185,000 $185,000
    1105.21 1 $345,000 $345,000
    1106.55 1 $215,000 $215,000
    1106.77 1 $305,000 $305,000
    1107.48 1 $145,000 $145,000
    1110.17 1 $135,000 $135,000
    1113.46 1 $215,000 $215,000
    1115.72 1 $215,000 $215,000
    11264.08 1 $955,000 $955,000
    1134.81 1 $205,000 $205,000
    1135.78 1 $175,000 $175,000
    1137.05 1 $195,000 $195,000
    1137.69 1 $175,000 $175,000
    1145.63 1 $245,000 $245,000
    1168.96 1 $165,000 $165,000
    1169.25 1 $215,000 $215,000
    1171.78 1 $155,000 $155,000
    1173.26 1 $255,000 $255,000
    1187.66 1 $385,000 $385,000
    1204.11 1 $145,000 $145,000
    1218.68 1 $175,000 $175,000
    1220.57 1 $245,000 $245,000
    1228.4 1 $245,000 $245,000
    1230.09 1 $155,000 $155,000
    1235.35 1 $225,000 $225,000
    1236.84 1 $325,000 $325,000
    1237.77 1 $125,000 $125,000
    1257.68 1 $235,000 $235,000
    1260.03 1 $335,000 $335,000
    1267.86 1 $215,000 $215,000
    1273.23 1 $165,000 $165,000
    1280.74 1 $195,000 $195,000
    1281.12 1 $205,000 $205,000
    1285.29 1 $275,000 $275,000
    1289.92 1 $185,000 $185,000
    1294.04 1 $125,000 $125,000
    1294.2 1 $235,000 $235,000
    1320.37 1 $155,000 $155,000
    1323.82 1 $275,000 $275,000
    1328.52 1 $425,000 $425,000
    1329.49 1 $205,000 $205,000
    1343.86 1 $895,000 $895,000
    1354.12 1 $215,000 $215,000
    1357.93 1 $645,000 $645,000
    1358.63 1 $225,000 $225,000
    1362.43 1 $225,000 $225,000
    1363.27 1 $265,000 $265,000
    1367.54 1 $265,000 $265,000
    1376.45 1 $195,000 $195,000
    1376.58 1 $365,000 $365,000
    1409.19 1 $225,000 $225,000
    1411.34 1 $405,000 $405,000
    1415.71 1 $305,000 $305,000
    1419.82 1 $225,000 $225,000
    1437.2 1 $235,000 $235,000
    1438.55 1 $205,000 $205,000
    1441.42 1 $325,000 $325,000
    1443.73 1 $335,000 $335,000
    1448.79 1 $275,000 $275,000
    1452.25 1 $255,000 $255,000
    1453.91 1 $445,000 $445,000
    1456.77 1 $205,000 $205,000
    1459.78 1 $235,000 $235,000
    1466.92 1 $215,000 $215,000
    1470.35 1 $175,000 $175,000
    1484.03 1 $575,000 $575,000
    1493.2 1 $275,000 $275,000
    1495.44 1 $265,000 $265,000
    1526.48 1 $205,000 $205,000
    1530.39 1 $325,000 $325,000
    1542.49 1 $365,000 $365,000
    1545.82 1 $315,000 $315,000
    1553.05 1 $325,000 $325,000
    1562.84 1 $215,000 $215,000
    1572.7 1 $195,000 $195,000
    1573.08 1 $145,000 $145,000
    1581.27 1 $195,000 $195,000
    1585.55 1 $245,000 $245,000
    1603.36 1 $305,000 $305,000
    1610.67 1 $195,000 $195,000
    1612.19 1 $155,000 $155,000
    1613.08 1 $215,000 $215,000
    1613.29 1 $255,000 $255,000
    1621.53 1 $245,000 $245,000
    1628.75 1 $225,000 $225,000
    1634.66 1 $305,000 $305,000
    1639.93 1 $295,000 $295,000
    1643.55 1 $255,000 $255,000
    1650.21 1 $215,000 $215,000
    1654.99 1 $265,000 $265,000
    1661.31 1 $245,000 $245,000
    1663.73 1 $255,000 $255,000
    1679.92 1 $225,000 $225,000
    1683.05 1 $295,000 $295,000
    1684.27 1 $215,000 $215,000
    1698.89 1 $215,000 $215,000
    1719.66 1 $395,000 $395,000
    1730.84 1 $215,000 $215,000
    1739.48 1 $205,000 $205,000
    1741.45 1 $315,000 $315,000
    1743.72 1 $265,000 $265,000
    1749.75 1 $275,000 $275,000
    1755.17 1 $395,000 $395,000
    1772.43 1 $395,000 $395,000
    1779.89 1 $375,000 $375,000
    1792.81 1 $505,000 $505,000
    18137.07 1 $635,000 $635,000
    1815.17 1 $415,000 $415,000
    1829.45 1 $275,000 $275,000
    1853.97 1 $225,000 $225,000
    1854.34 1 $255,000 $255,000
    1874.09 1 $225,000 $225,000
    1880.01 1 $785,000 $785,000
    1900.63 1 $345,000 $345,000
    1920.16 1 $315,000 $315,000
    1920.53 1 $255,000 $255,000
    1923.66 1 $275,000 $275,000
    1928.89 1 $235,000 $235,000
    1931.14 1 $295,000 $295,000
    1937.37 1 $275,000 $275,000
    1949.86 1 $245,000 $245,000
    1952.11 1 $325,000 $325,000
    1966.05 1 $315,000 $315,000
    1979.18 1 $325,000 $325,000
    1983.39 1 $335,000 $335,000
    201.66 1 $65,000 $65,000
    2043.3 1 $335,000 $335,000
    2048.35 1 $415,000 $415,000
    2053.63 1 $355,000 $355,000
    2065.44 1 $265,000 $265,000
    2074.82 1 $275,000 $275,000
    2077.88 1 $375,000 $375,000
    2080.58 1 $335,000 $335,000
    2085.73 1 $305,000 $305,000
    2102.51 1 $255,000 $255,000
    214.06 1 $35,000 $35,000
    2156.3 1 $335,000 $335,000
    2164.83 1 $335,000 $335,000
    2166.56 1 $355,000 $355,000
    2169.08 1 $325,000 $325,000
    2169.76 1 $275,000 $275,000
    2182.73 1 $245,000 $245,000
    2197.88 1 $405,000 $405,000
    2209.77 1 $405,000 $405,000
    2228.41 1 $265,000 $265,000
    2229.93 1 $435,000 $435,000
    2234.21 1 $355,000 $355,000
    224.1 1 $35,000 $35,000
    2248.45 1 $325,000 $325,000
    2278.33 1 $295,000 $295,000
    2283.44 1 $405,000 $405,000
    2293.03 1 $235,000 $235,000
    2294.49 1 $445,000 $445,000
    2333.19 1 $295,000 $295,000
    2357.65 1 $355,000 $355,000
    2375.48 1 $395,000 $395,000
    2389.23 1 $285,000 $285,000
    2400.94 1 $315,000 $315,000
    2413.22 1 $375,000 $375,000
    2417.84 1 $425,000 $425,000
    2434.55 1 $465,000 $465,000
    2454.75 1 $335,000 $335,000
    2462.44 1 $395,000 $395,000
    24633.6 1 $695,000 $695,000
    2482.48 1 $365,000 $365,000
    2499.73 1 $325,000 $325,000
    2510.51 1 $495,000 $495,000
    2518.53 1 $345,000 $345,000
    2544.9 1 $355,000 $355,000
    2550.88 1 $355,000 $355,000
    2560.1 1 $585,000 $585,000
    2582.7 1 $285,000 $285,000
    2593.67 1 $315,000 $315,000
    2607.07 1 $275,000 $275,000
    2607.61 1 $475,000 $475,000
    2625.89 1 $615,000 $615,000
    2628.42 1 $385,000 $385,000
    2644.21 1 $365,000 $365,000
    2659.81 1 $475,000 $475,000
    2682.75 1 $365,000 $365,000
    2685.12 1 $505,000 $505,000
    2706.58 1 $465,000 $465,000
    2717.11 1 $605,000 $605,000
    2767.32 1 $575,000 $575,000
    2772.25 1 $565,000 $565,000
    2789.74 1 $515,000 $515,000
    2789.88 1 $675,000 $675,000
    2815.1 1 $445,000 $445,000
    282.58 1 $95,000 $95,000
    2834.26 1 $465,000 $465,000
    2839.04 1 $1,035,000 $1,035,000
    2873.37 1 $385,000 $385,000
    2894.99 1 $455,000 $455,000
    2906.19 1 $635,000 $635,000
    292.74 1 $65,000 $65,000
    297.56 1 $225,000 $225,000
    3031.8 1 $425,000 $425,000
    304.9 1 $135,000 $135,000
    305.63 1 $755,000 $755,000
    3092.77 1 $405,000 $405,000
    3122.42 1 $515,000 $515,000
    312.62 1 $165,000 $165,000
    3129.31 1 $625,000 $625,000
    3156.23 1 $845,000 $845,000
    3159.86 1 $665,000 $665,000
    3191.97 1 $385,000 $385,000
    322.81 1 $35,000 $35,000
    3240.94 1 $475,000 $475,000
    3257.47 1 $525,000 $525,000
    326.16 1 $35,000 $35,000
    330.0 1 $65,000 $65,000
    3311.77 1 $355,000 $355,000
    3358.45 1 $555,000 $555,000
    336.45 1 $145,000 $145,000
    341.92 1 $105,000 $105,000
    3422.84 1 $445,000 $445,000
    3458.84 1 $615,000 $615,000
    3491.39 1 $505,000 $505,000
    355.61 1 $375,000 $375,000
    3636.34 1 $685,000 $685,000
    372.6 1 $45,000 $45,000
    3783.07 1 $585,000 $585,000
    3787.95 1 $1,185,000 $1,185,000
    3831.71 1 $605,000 $605,000
    391.23 1 $45,000 $45,000
    3944.67 1 $285,000 $285,000
    4003.65 1 $635,000 $635,000
    407.47 1 $295,000 $295,000
    414.35 1 $55,000 $55,000
    4157.55 1 $205,000 $205,000
    4207.42 1 $665,000 $665,000
    4263.62 1 $665,000 $665,000
    428.8 1 $105,000 $105,000
    430.75 1 $185,000 $185,000
    4315.42 1 $885,000 $885,000
    439.93 1 $115,000 $115,000
    446.29 1 $235,000 $235,000
    4542.04 1 $735,000 $735,000
    4552.4 1 $275,000 $275,000
    4591.73 1 $645,000 $645,000
    4649.39 1 $775,000 $775,000
    4841.94 1 $675,000 $675,000
    4932.67 1 $775,000 $775,000
    498.14 1 $55,000 $55,000
    4990.51 1 $695,000 $695,000
    4991.89 1 $905,000 $905,000
    4996.74 1 $675,000 $675,000
    5040.39 1 $655,000 $655,000
    521.6 1 $255,000 $255,000
    5241.16 1 $485,000 $485,000
    532.38 1 $145,000 $145,000
    537.35 1 $205,000 $205,000
    542.6 1 $145,000 $145,000
    5493.37 1 $695,000 $695,000
    550.57 1 $145,000 $145,000
    550.7 1 $35,000 $35,000
    553.0 1 $135,000 $135,000
    554.84 1 $115,000 $115,000
    557.08 1 $215,000 $215,000
    561.04 1 $105,000 $105,000
    576.26 1 $145,000 $145,000
    5873.34 1 $645,000 $645,000
    588.62 1 $135,000 $135,000
    593.01 1 $155,000 $155,000
    597.36 1 $105,000 $105,000
    601.86 1 $105,000 $105,000
    620.47 1 $115,000 $115,000
    626.44 1 $255,000 $255,000
    653.5 1 $145,000 $145,000
    655.84 1 $75,000 $75,000
    660.07 1 $135,000 $135,000
    667.19 1 $75,000 $75,000
    6699.39 1 $415,000 $415,000
    671.27 1 $105,000 $105,000
    672.1 1 $245,000 $245,000
    677.69 1 $65,000 $65,000
    696.45 1 $385,000 $385,000
    701.56 1 $165,000 $165,000
    703.7 1 $485,000 $485,000
    706.44 1 $75,000 $75,000
    710.14 1 $205,000 $205,000
    7163.91 1 $895,000 $895,000
    737.37 1 $165,000 $165,000
    739.07 1 $105,000 $105,000
    741.55 1 $105,000 $105,000
    742.97 1 $275,000 $275,000
    744.74 1 $195,000 $195,000
    751.33 1 $115,000 $115,000
    7545.73 1 $405,000 $405,000
    754.66 1 $95,000 $95,000
    758.32 1 $155,000 $155,000
    763.92 1 $175,000 $175,000
    764.98 1 $255,000 $255,000
    774.42 1 $145,000 $145,000
    788.55 1 $205,000 $205,000
    789.35 1 $295,000 $295,000
    794.88 1 $145,000 $145,000
    796.37 1 $75,000 $75,000
    812.49 1 $145,000 $145,000
    814.27 1 $155,000 $155,000
    815.49 1 $115,000 $115,000
    818.94 1 $205,000 $205,000
    822.02 1 $295,000 $295,000
    8293.91 1 $485,000 $485,000
    830.03 1 $105,000 $105,000
    831.96 1 $125,000 $125,000
    835.02 1 $215,000 $215,000
    8413.15 1 $815,000 $815,000
    848.65 1 $155,000 $155,000
    849.16 1 $115,000 $115,000
    865.69 1 $125,000 $125,000
    873.55 1 $215,000 $215,000
    874.13 1 $645,000 $645,000
    878.6 1 $265,000 $265,000
    879.45 1 $195,000 $195,000
    881.77 1 $215,000 $215,000
    882.06 1 $315,000 $315,000
    885.53 1 $135,000 $135,000
    891.92 1 $115,000 $115,000
    892.34 1 $135,000 $135,000
    894.22 1 $205,000 $205,000
    895.17 1 $255,000 $255,000
    898.59 1 $265,000 $265,000
    905.81 1 $165,000 $165,000
    907.34 1 $165,000 $165,000
    913.37 1 $155,000 $155,000
    928.03 1 $225,000 $225,000
    928.61 1 $155,000 $155,000
    932.14 1 $115,000 $115,000
    932.35 1 $345,000 $345,000
    932.4 1 $125,000 $125,000
    955.16 1 $305,000 $305,000
    988.87 1 $115,000 $115,000
    991.38 1 $155,000 $155,000
    998.46 1 $215,000 $215,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 9 $725,000 $80,556
    Single Family (1-4 Units):Site-Built 343 $107,015,000 $311,997

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 48 $7,740,000 $161,250 $0 2.69%
    40-60% 116 $27,560,000 $237,586 $0 2.93%
    60-80% 129 $53,775,000 $416,860 $0 3.15%
    80-100% 41 $17,255,000 $420,854 $0 3.38%
    Under 20% 18 $1,410,000 $78,333 $0 4.58%