Rms & Associates Mortgage Rates, Fees & Info

LAS VEGAS, NV

LEI: 254900FSIRD1E5MR0U30

Tax ID: 88-0354299

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

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Mortgage Data

Review & Overview

Rms & Associates is a smaller mortgage company specializing in Home Purchase and Refi loans. Rms & Associates 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: Las Vegas, Los Angeles, Riverside, Pahrump, and San Francisco among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)

Rms & Associates has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Rms & Associates 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 6.96% 4/21/24
30 Year Conventional Refi 6.74% 4/21/24
30 Year Cash-out Refi 6.78% 4/21/24
30 Year FHA Purchase 7.57% 4/21/24
30 Year VA Purchase 6.49% 4/21/24
30 Year VA Refi 7.33% 4/21/24
15 Year Conventional Refi 6.18% 4/21/24
15 Year Cash-out Refi 6.18% 4/21/24
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.

Rms & Associates Mortgage Calculator






Your Estimates

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

This is not an official calculator from Rms & Associates. 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

965

Origination Dollar Volume (All Markets)

$250,505,000

Awards

RMS & Associates FHA Loans bronze RMS & Associates FHA Loans bronze
Show all (2) awards

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
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 932 $240,330,000 $257,865 $6,991 3.19%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $2,665,000 $380,714 $0 2.86%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,460,000 $365,000 $8,605 2.81%
Outside of Metro Areas 4 $1,180,000 $295,000 $0 2.72%
Pahrump, NV (FHA|USDA|VA) 5 $1,005,000 $201,000 $7,227 4.02%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $910,000 $455,000 $0 3.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $720,000 $360,000 $0 3.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $560,000 $280,000 $11,459 2.69%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $505,000 $505,000 $0 2.50%
RENO, NV (FHA|USDA|VA) 2 $470,000 $235,000 $0 2.75%
Cedar City, UT (FHA|USDA|VA) 2 $380,000 $190,000 $0 3.63%
ST. GEORGE, UT (FHA|USDA|VA) 1 $195,000 $195,000 $0 2.63%
MERCED, CA (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.25%
Rms & Associates's top markets include Las Vegas, Los Angeles, Riverside, Pahrump, and San Francisco among others.

Their top states include:
  • Nevada (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
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    We use machine learning to identify the top lenders compared against RMS & Associates 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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 711 $182,555,000 $256,758 $5,683 3.18%
    FHA 207 $51,265,000 $247,657 $10,780 3.30%
    VA 45 $16,025,000 $356,111 $8,336 2.90%
    HELOC 1 $355,000 $355,000 n/a 3.13%
    FHA 1 $305,000 $305,000 $0 2.75%

    For 2020, Rms & Associates's most frequently originated type of loan was Conventional, with 711 originations. Their 2nd most popular type was FHA, with 207 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 426 $117,360,000 $275,493 $9,282 3.29%
    Refi 363 $90,195,000 $248,471 $4,777 3.00%
    Cash Out Refi 176 $42,950,000 $244,034 $6,720 3.33%

    For 2020, Rms & Associates's most frequently cited loan purpose was Home Purchase, with 426 originations. The 2nd most popular reason was Refi, with 363 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 847 $223,615,000 $264,008 $7,418 3.24%
    15 Year 71 $16,965,000 $238,944 $4,150 2.75%
    20 Year 27 $5,545,000 $205,370 $3,489 3.10%
    Other 16 $3,820,000 $238,750 $3,533 2.91%
    10 Year 4 $560,000 $140,000 $2,276 2.56%

    For 2020, Rms & Associates's most frequently cited loan duration was 30 Year, with 847 originations. The 2nd most popular length was 15 Year, with 71 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $3k-4k 308 $68,760,000 $223,247
    $1k-2k 191 $53,025,000 $277,618
    $4k-5k 169 $47,075,000 $278,550
    $2k-3k 142 $27,540,000 $193,944
    $5k+ 128 $45,300,000 $353,906
    $<1k 25 $8,145,000 $325,800

    Rms & Associates's average total fees were $7,418, while their most frequently occuring range of origination fees (closing costs) were in the $3k-4k bucket, with 308 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 426 $111,580,000 $261,925
    3-4% 417 $108,725,000 $260,731
    <2.5% 60 $15,800,000 $263,333
    4-5% 59 $13,845,000 $234,661
    5-6% 3 $555,000 $185,000

    During 2020, Rms & Associates's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 2.5-3%, with 426 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 638 $173,410,000 $271,803 $7,411 3.18%
    $100k-200k 232 $37,460,000 $161,466 $5,202 3.24%
    $400k-600k 78 $36,640,000 $469,744 $7,648 3.13%
    $100,000 or less 15 $1,315,000 $87,667 $5,180 3.13%
    $600k-1MM 2 $1,680,000 $840,000 $0 3.63%

    2020 saw Rms & Associates place emphasis on $200k-400k loans with 638 originations, totaling $173,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 279 $57,015,000 $204,355 $7,375 3.13%
    $50k-75k 259 $64,265,000 $248,127 $7,134 3.23%
    $75k-100k 173 $48,305,000 $279,220 $7,505 3.17%
    $100k-150k 150 $45,410,000 $302,733 $5,682 3.24%
    $150k-250k 75 $25,475,000 $339,667 $6,820 3.26%
    $250k+ 29 $10,035,000 $346,034 $6,041 3.09%

    Rms & Associates lent most frequently to those with incomes in the $50k or less range, with 279 originations. The second most popular income band? $50k-75k, with 259 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 166 $42,680,000 $257,108 $7,150 3.24%
    20-30% 119 $30,655,000 $257,605 $5,346 3.07%
    44% 94 $23,930,000 $254,574 $8,373 3.26%
    40% 58 $16,500,000 $284,483 $7,266 3.15%
    43% 56 $14,070,000 $251,250 $8,270 3.30%
    42% 50 $13,480,000 $269,600 $9,678 3.30%
    41% 48 $11,350,000 $236,458 $5,607 3.18%
    36% 41 $10,465,000 $255,244 $6,507 3.22%
    <20% 40 $9,960,000 $249,000 $3,927 2.99%
    39% 39 $9,595,000 $246,026 $7,235 3.24%
    49% 35 $8,775,000 $250,714 $8,824 3.16%
    38% 35 $9,835,000 $281,000 $7,866 3.10%
    50-60% 34 $10,630,000 $312,647 $10,344 3.20%
    47% 33 $8,105,000 $245,606 $7,780 3.17%
    37% 33 $8,465,000 $256,515 $5,392 3.20%
    45% 32 $8,680,000 $271,250 $4,570 3.11%
    46% 28 $6,910,000 $246,786 $9,056 3.17%
    48% 24 $6,420,000 $267,500 $6,049 3.26%

    Rms & Associates lent most frequently to those with DTI ratios of 30-36%, with 166 originations. The next most common DTI ratio? 20-30%, with 119 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 842 $216,570,000 $257,209 $7,057 3.19%
    Asian 65 $18,135,000 $279,000 $5,062 3.12%
    Black 40 $10,860,000 $271,500 $7,092 3.17%
    Native Hawaiian or Islander 12 $2,680,000 $223,333 $10,540 3.45%
    Not provided 4 $1,680,000 $420,000 $0 3.53%
    American Indian 2 $580,000 $290,000 $9,518 3.50%

    Approval Rates

    Total approvals of all applications
    99.30%

    Rms & Associates 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
    96.37%

    Rms & Associates has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    11448.0 1 $705,000 $705,000
    1502.2 1 $305,000 $305,000
    1576.0 1 $315,000 $315,000
    1625.0 2 $470,000 $235,000
    1626.0 152 $42,830,000 $281,776
    1634.0 1 $355,000 $355,000
    1662.0 1 $365,000 $365,000
    1741.0 1 $185,000 $185,000
    1775.0 1 $195,000 $195,000
    1860.0 1 $95,000 $95,000
    1875.0 1 $365,000 $365,000
    1912.0 1 $225,000 $225,000
    1913.0 1 $225,000 $225,000
    2007.0 1 $305,000 $305,000
    2045.0 1 $115,000 $115,000
    2072.0 1 $95,000 $95,000
    2121.0 1 $195,000 $195,000
    2126.0 1 $105,000 $105,000
    2140.0 1 $225,000 $225,000
    2148.0 1 $205,000 $205,000
    2186.0 1 $115,000 $115,000
    2206.0 1 $235,000 $235,000
    2238.0 1 $245,000 $245,000
    2251.0 1 $255,000 $255,000
    2283.61 1 $135,000 $135,000
    2300.05 1 $275,000 $275,000
    2314.0 1 $135,000 $135,000
    2323.0 1 $275,000 $275,000
    2346.0 1 $145,000 $145,000
    2356.0 1 $75,000 $75,000
    2362.0 1 $145,000 $145,000
    2376.0 1 $155,000 $155,000
    2389.0 1 $215,000 $215,000
    2406.0 1 $75,000 $75,000
    2451.0 1 $225,000 $225,000
    2466.0 1 $115,000 $115,000
    2476.0 1 $85,000 $85,000
    2506.0 1 $85,000 $85,000
    2513.0 1 $355,000 $355,000
    2518.0 1 $85,000 $85,000
    2519.0 1 $185,000 $185,000
    2541.0 1 $95,000 $95,000
    2542.0 1 $185,000 $185,000
    2546.0 1 $95,000 $95,000
    2556.23 1 $185,000 $185,000
    2561.0 2 $380,000 $190,000
    2566.0 1 $255,000 $255,000
    2571.0 1 $125,000 $125,000
    2582.0 1 $125,000 $125,000
    2582.85 1 $255,000 $255,000
    2609.3 1 $205,000 $205,000
    2613.0 1 $195,000 $195,000
    2616.0 1 $205,000 $205,000
    2622.0 1 $265,000 $265,000
    2626.0 1 $105,000 $105,000
    2632.0 1 $105,000 $105,000
    2634.0 1 $205,000 $205,000
    2639.0 1 $205,000 $205,000
    2642.0 1 $105,000 $105,000
    2646.29 1 $215,000 $215,000
    2653.0 1 $205,000 $205,000
    2656.0 1 $105,000 $105,000
    2670.0 1 $215,000 $215,000
    2674.59 1 $205,000 $205,000
    2681.0 1 $105,000 $105,000
    2684.09 1 $215,000 $215,000
    2697.0 1 $215,000 $215,000
    2706.0 2 $320,000 $160,000
    2714.19 1 $295,000 $295,000
    2717.48 1 $225,000 $225,000
    2718.13 1 $145,000 $145,000
    2719.0 1 $215,000 $215,000
    27219.0 1 $975,000 $975,000
    2726.0 2 $340,000 $170,000
    2731.0 1 $225,000 $225,000
    2732.0 1 $175,000 $175,000
    2736.0 1 $225,000 $225,000
    2740.63 1 $125,000 $125,000
    2742.0 1 $225,000 $225,000
    2747.19 1 $145,000 $145,000
    2749.0 1 $225,000 $225,000
    2751.0 1 $105,000 $105,000
    2756.0 1 $115,000 $115,000
    2758.88 1 $235,000 $235,000
    2760.0 1 $115,000 $115,000
    2773.0 1 $455,000 $455,000
    2774.0 1 $235,000 $235,000
    2778.78 1 $235,000 $235,000
    2791.0 1 $115,000 $115,000
    2792.65 1 $235,000 $235,000
    2806.0 1 $115,000 $115,000
    2807.13 1 $245,000 $245,000
    2822.0 2 $480,000 $240,000
    2827.0 1 $245,000 $245,000
    2829.0 1 $165,000 $165,000
    2831.0 1 $245,000 $245,000
    2833.0 1 $165,000 $165,000
    2838.63 1 $345,000 $345,000
    2841.0 1 $165,000 $165,000
    2842.63 1 $245,000 $245,000
    2848.0 1 $125,000 $125,000
    2851.0 1 $245,000 $245,000
    2855.38 3 $765,000 $255,000
    2856.0 1 $125,000 $125,000
    2858.0 1 $245,000 $245,000
    2859.73 1 $165,000 $165,000
    2863.0 2 $490,000 $245,000
    2875.0 1 $175,000 $175,000
    2876.0 2 $250,000 $125,000
    2883.84 1 $255,000 $255,000
    2886.0 2 $290,000 $145,000
    2889.15 1 $255,000 $255,000
    2898.0 1 $125,000 $125,000
    2902.0 2 $1,030,000 $515,000
    2906.0 1 $125,000 $125,000
    2908.0 1 $255,000 $255,000
    2921.0 2 $230,000 $115,000
    2926.0 1 $135,000 $135,000
    2928.0 2 $400,000 $200,000
    2936.0 1 $135,000 $135,000
    2946.0 1 $175,000 $175,000
    2946.4 1 $305,000 $305,000
    2951.0 1 $135,000 $135,000
    2951.94 1 $155,000 $155,000
    2956.0 1 $135,000 $135,000
    2976.0 3 $775,000 $258,333
    2977.0 1 $275,000 $275,000
    2981.0 1 $275,000 $275,000
    2983.0 1 $275,000 $275,000
    2986.0 2 $270,000 $135,000
    2992.0 1 $275,000 $275,000
    3000.13 1 $275,000 $275,000
    3001.0 1 $185,000 $185,000
    3003.0 1 $135,000 $135,000
    3006.0 1 $95,000 $95,000
    3007.0 1 $185,000 $185,000
    3017.0 2 $370,000 $185,000
    3021.8 1 $275,000 $275,000
    3024.0 1 $135,000 $135,000
    3031.0 1 $305,000 $305,000
    3033.9 1 $285,000 $285,000
    3034.0 2 $350,000 $175,000
    3036.0 3 $435,000 $145,000
    3037.0 1 $145,000 $145,000
    3046.0 1 $145,000 $145,000
    3048.38 1 $285,000 $285,000
    3056.0 2 $290,000 $145,000
    3058.03 1 $295,000 $295,000
    3062.38 1 $215,000 $215,000
    3065.0 1 $285,000 $285,000
    3066.0 2 $290,000 $145,000
    3067.0 1 $385,000 $385,000
    3069.0 2 $580,000 $290,000
    3072.03 1 $215,000 $215,000
    3073.0 1 $305,000 $305,000
    3076.0 2 $290,000 $145,000
    3086.0 2 $290,000 $145,000
    3096.0 2 $330,000 $165,000
    3106.0 2 $290,000 $145,000
    3116.0 1 $295,000 $295,000
    3117.69 1 $395,000 $395,000
    3119.0 1 $225,000 $225,000
    3119.84 1 $205,000 $205,000
    3126.0 3 $465,000 $155,000
    3130.0 1 $225,000 $225,000
    3131.0 1 $305,000 $305,000
    3135.0 1 $225,000 $225,000
    3144.88 1 $305,000 $305,000
    3145.0 1 $305,000 $305,000
    3146.0 1 $155,000 $155,000
    3148.5 1 $155,000 $155,000
    3156.0 1 $155,000 $155,000
    3158.88 1 $235,000 $235,000
    3164.17 1 $155,000 $155,000
    3168.53 1 $235,000 $235,000
    3171.0 1 $205,000 $205,000
    3176.0 1 $315,000 $315,000
    3186.0 1 $155,000 $155,000
    3189.0 1 $235,000 $235,000
    3191.0 1 $235,000 $235,000
    3192.0 1 $235,000 $235,000
    3192.65 1 $235,000 $235,000
    3196.0 1 $315,000 $315,000
    3197.48 1 $235,000 $235,000
    3206.0 1 $155,000 $155,000
    3207.13 1 $245,000 $245,000
    3213.0 1 $295,000 $295,000
    3216.0 2 $310,000 $155,000
    3226.0 2 $330,000 $165,000
    3232.0 2 $490,000 $245,000
    3243.55 1 $245,000 $245,000
    3245.73 1 $245,000 $245,000
    3255.38 1 $255,000 $255,000
    3276.0 1 $165,000 $165,000
    3280.0 1 $255,000 $255,000
    3282.0 1 $255,000 $255,000
    3287.1 1 $75,000 $75,000
    3287.38 1 $335,000 $335,000
    3288.0 1 $165,000 $165,000
    3298.0 1 $165,000 $165,000
    3303.63 3 $795,000 $265,000
    3306.0 3 $495,000 $165,000
    3309.0 1 $265,000 $265,000
    3313.0 1 $165,000 $165,000
    3313.28 1 $265,000 $265,000
    3314.0 1 $165,000 $165,000
    3321.0 1 $165,000 $165,000
    3326.0 2 $350,000 $175,000
    3327.0 2 $290,000 $145,000
    3328.0 1 $265,000 $265,000
    3331.0 1 $345,000 $345,000
    3343.0 1 $175,000 $175,000
    3351.88 1 $275,000 $275,000
    3356.0 1 $175,000 $175,000
    3358.0 1 $155,000 $155,000
    3361.0 1 $345,000 $345,000
    3361.53 1 $275,000 $275,000
    3363.0 1 $175,000 $175,000
    3367.0 2 $550,000 $275,000
    3372.0 1 $275,000 $275,000
    3376.0 1 $175,000 $175,000
    3377.0 1 $275,000 $275,000
    3388.0 1 $175,000 $175,000
    3390.0 1 $175,000 $175,000
    3396.0 1 $115,000 $115,000
    3400.13 2 $550,000 $275,000
    3401.0 2 $360,000 $180,000
    3408.0 1 $175,000 $175,000
    3416.0 2 $350,000 $175,000
    3420.0 1 $285,000 $285,000
    3426.0 3 $555,000 $185,000
    3430.0 1 $185,000 $185,000
    3436.0 2 $370,000 $185,000
    3448.0 1 $245,000 $245,000
    3449.0 1 $185,000 $185,000
    3451.0 1 $185,000 $185,000
    3466.0 1 $185,000 $185,000
    3473.0 2 $660,000 $330,000
    3474.0 1 $185,000 $185,000
    3476.0 1 $185,000 $185,000
    3481.0 1 $185,000 $185,000
    3486.0 2 $370,000 $185,000
    3490.0 1 $185,000 $185,000
    3492.0 1 $185,000 $185,000
    3496.63 1 $295,000 $295,000
    3511.0 1 $305,000 $305,000
    3517.0 1 $185,000 $185,000
    3526.0 1 $195,000 $195,000
    3531.0 1 $195,000 $195,000
    3557.0 1 $195,000 $195,000
    3570.0 1 $315,000 $315,000
    3583.48 1 $315,000 $315,000
    3586.0 1 $225,000 $225,000
    3593.13 1 $315,000 $315,000
    3598.0 1 $195,000 $195,000
    3603.0 1 $195,000 $195,000
    3606.0 3 $785,000 $261,667
    3610.0 1 $195,000 $195,000
    3613.0 1 $195,000 $195,000
    3616.0 1 $195,000 $195,000
    3626.0 5 $1,225,000 $245,000
    3631.0 1 $265,000 $265,000
    3638.0 2 $410,000 $205,000
    3641.38 2 $650,000 $325,000
    3646.0 1 $205,000 $205,000
    3651.0 4 $820,000 $205,000
    3666.0 3 $615,000 $205,000
    3676.0 3 $615,000 $205,000
    3678.0 1 $415,000 $415,000
    3681.4 1 $205,000 $205,000
    3689.63 1 $335,000 $335,000
    3696.0 2 $620,000 $310,000
    3701.0 1 $215,000 $215,000
    3701.88 1 $205,000 $205,000
    3702.0 1 $135,000 $135,000
    3706.0 3 $615,000 $205,000
    3709.53 1 $205,000 $205,000
    3711.0 1 $205,000 $205,000
    3714.0 1 $345,000 $345,000
    3726.0 3 $715,000 $238,333
    3737.88 1 $345,000 $345,000
    3740.0 1 $215,000 $215,000
    3746.0 1 $215,000 $215,000
    3747.03 1 $215,000 $215,000
    3749.0 1 $215,000 $215,000
    3751.0 1 $355,000 $355,000
    3757.65 1 $215,000 $215,000
    3763.0 1 $215,000 $215,000
    3776.0 2 $430,000 $215,000
    3786.0 2 $430,000 $215,000
    3791.0 1 $225,000 $225,000
    3796.0 2 $590,000 $295,000
    3797.0 1 $225,000 $225,000
    3801.0 1 $345,000 $345,000
    3806.0 1 $215,000 $215,000
    3816.0 1 $215,000 $215,000
    3826.0 1 $225,000 $225,000
    3836.0 1 $225,000 $225,000
    3845.0 2 $450,000 $225,000
    3856.0 2 $450,000 $225,000
    3862.0 1 $225,000 $225,000
    3866.0 2 $450,000 $225,000
    3875.4 1 $225,000 $225,000
    3876.0 1 $225,000 $225,000
    3879.0 1 $225,000 $225,000
    3886.0 1 $225,000 $225,000
    3893.0 2 $460,000 $230,000
    3901.0 1 $225,000 $225,000
    3906.0 2 $450,000 $225,000
    3916.0 1 $225,000 $225,000
    39193.0 1 $155,000 $155,000
    3921.0 1 $225,000 $225,000
    3926.0 1 $235,000 $235,000
    3942.0 1 $235,000 $235,000
    3945.0 1 $235,000 $235,000
    3946.0 1 $235,000 $235,000
    3950.0 1 $235,000 $235,000
    3952.03 1 $235,000 $235,000
    3953.0 1 $235,000 $235,000
    3954.46 1 $185,000 $185,000
    3956.0 2 $470,000 $235,000
    3960.3 1 $235,000 $235,000
    3963.0 1 $235,000 $235,000
    3966.0 1 $235,000 $235,000
    3976.0 1 $235,000 $235,000
    3980.0 2 $470,000 $235,000
    3981.0 1 $235,000 $235,000
    3984.0 1 $235,000 $235,000
    3986.0 1 $235,000 $235,000
    3995.0 1 $145,000 $145,000
    4005.0 1 $235,000 $235,000
    4025.0 1 $235,000 $235,000
    4026.0 2 $490,000 $245,000
    4038.0 2 $490,000 $245,000
    4048.0 1 $245,000 $245,000
    4062.0 1 $295,000 $295,000
    4072.0 2 $490,000 $245,000
    4073.0 1 $245,000 $245,000
    4076.0 1 $245,000 $245,000
    4081.0 1 $245,000 $245,000
    4086.0 3 $755,000 $251,667
    4090.0 1 $245,000 $245,000
    4091.0 2 $490,000 $245,000
    4101.0 1 $245,000 $245,000
    4113.0 1 $245,000 $245,000
    4126.0 2 $510,000 $255,000
    4143.0 1 $255,000 $255,000
    4148.0 1 $255,000 $255,000
    4151.0 1 $255,000 $255,000
    4160.0 1 $165,000 $165,000
    4176.0 3 $1,285,000 $428,333
    4181.0 1 $345,000 $345,000
    4188.0 1 $265,000 $265,000
    4207.63 1 $345,000 $345,000
    4222.0 1 $255,000 $255,000
    4226.0 3 $795,000 $265,000
    4229.89 1 $305,000 $305,000
    4236.0 1 $175,000 $175,000
    4238.0 3 $795,000 $265,000
    4245.0 1 $265,000 $265,000
    4254.0 1 $265,000 $265,000
    4261.0 1 $265,000 $265,000
    4264.0 1 $265,000 $265,000
    4266.0 2 $530,000 $265,000
    4271.0 1 $265,000 $265,000
    4276.0 1 $265,000 $265,000
    4279.0 1 $275,000 $275,000
    4286.0 1 $265,000 $265,000
    4305.0 1 $265,000 $265,000
    4320.14 1 $175,000 $175,000
    4326.0 1 $185,000 $185,000
    4346.0 3 $825,000 $275,000
    4356.0 2 $550,000 $275,000
    4361.8 1 $275,000 $275,000
    4371.0 1 $185,000 $185,000
    4371.88 1 $435,000 $435,000
    4386.0 1 $275,000 $275,000
    4391.0 1 $315,000 $315,000
    4395.0 1 $275,000 $275,000
    4396.63 1 $365,000 $365,000
    4424.0 2 $570,000 $285,000
    4426.0 5 $1,385,000 $277,000
    4436.0 1 $285,000 $285,000
    4438.0 1 $255,000 $255,000
    4444.0 1 $235,000 $235,000
    4456.0 2 $570,000 $285,000
    4467.1 1 $285,000 $285,000
    4476.0 1 $285,000 $285,000
    4487.0 1 $285,000 $285,000
    4491.05 1 $295,000 $295,000
    4521.0 1 $195,000 $195,000
    4540.93 1 $295,000 $295,000
    4542.0 1 $295,000 $295,000
    4544.0 1 $295,000 $295,000
    4546.0 1 $295,000 $295,000
    4549.0 1 $295,000 $295,000
    4558.0 1 $295,000 $295,000
    4561.0 1 $295,000 $295,000
    4571.0 1 $295,000 $295,000
    4578.0 1 $285,000 $285,000
    4580.0 1 $295,000 $295,000
    4586.0 2 $590,000 $295,000
    4605.0 1 $295,000 $295,000
    4612.47 1 $305,000 $305,000
    4621.0 1 $295,000 $295,000
    4630.5 1 $265,000 $265,000
    4651.0 1 $305,000 $305,000
    4662.0 1 $305,000 $305,000
    4664.75 1 $305,000 $305,000
    4665.0 1 $305,000 $305,000
    4666.0 1 $305,000 $305,000
    4671.88 1 $245,000 $245,000
    4675.0 2 $610,000 $305,000
    4676.0 2 $610,000 $305,000
    4682.0 1 $155,000 $155,000
    4686.0 1 $205,000 $205,000
    4688.0 1 $175,000 $175,000
    4706.0 1 $305,000 $305,000
    4708.85 1 $235,000 $235,000
    4714.0 1 $315,000 $315,000
    4716.0 1 $305,000 $305,000
    4746.0 1 $315,000 $315,000
    4761.0 1 $315,000 $315,000
    4770.63 1 $355,000 $355,000
    4776.0 1 $215,000 $215,000
    4786.0 1 $315,000 $315,000
    4810.0 1 $325,000 $325,000
    4821.0 1 $315,000 $315,000
    4826.0 3 $975,000 $325,000
    4836.0 1 $325,000 $325,000
    4857.0 1 $325,000 $325,000
    4858.0 1 $325,000 $325,000
    4866.0 2 $650,000 $325,000
    4896.35 1 $335,000 $335,000
    4908.0 1 $165,000 $165,000
    4911.0 1 $215,000 $215,000
    4920.0 1 $205,000 $205,000
    4926.0 1 $335,000 $335,000
    4983.0 1 $335,000 $335,000
    4985.0 1 $335,000 $335,000
    4994.0 1 $305,000 $305,000
    4998.0 1 $335,000 $335,000
    5018.0 1 $335,000 $335,000
    5026.0 1 $345,000 $345,000
    5036.0 2 $520,000 $260,000
    5049.0 1 $245,000 $245,000
    5052.05 1 $345,000 $345,000
    5103.0 1 $175,000 $175,000
    5113.0 2 $530,000 $265,000
    5116.0 1 $345,000 $345,000
    5126.0 3 $845,000 $281,667
    5141.0 1 $355,000 $355,000
    5170.0 1 $355,000 $355,000
    5184.0 1 $285,000 $285,000
    5188.0 1 $355,000 $355,000
    5198.0 1 $265,000 $265,000
    5220.0 1 $185,000 $185,000
    5226.0 1 $185,000 $185,000
    5266.0 1 $365,000 $365,000
    5271.0 1 $365,000 $365,000
    5276.0 1 $365,000 $365,000
    5292.9 1 $275,000 $275,000
    5297.0 1 $365,000 $365,000
    5301.0 1 $215,000 $215,000
    5316.0 1 $245,000 $245,000
    5325.0 1 $365,000 $365,000
    5346.0 1 $375,000 $375,000
    5350.0 2 $750,000 $375,000
    5361.0 1 $375,000 $375,000
    5416.0 1 $375,000 $375,000
    5426.0 2 $770,000 $385,000
    5486.0 1 $315,000 $315,000
    5487.0 2 $770,000 $385,000
    5506.0 1 $385,000 $385,000
    5513.0 1 $385,000 $385,000
    5518.0 1 $315,000 $315,000
    5526.0 1 $195,000 $195,000
    5534.0 1 $265,000 $265,000
    5544.0 1 $285,000 $285,000
    5556.0 1 $265,000 $265,000
    5563.0 1 $315,000 $315,000
    5582.0 1 $315,000 $315,000
    5589.0 1 $455,000 $455,000
    5598.0 1 $455,000 $455,000
    5626.0 1 $405,000 $405,000
    5651.0 1 $325,000 $325,000
    5692.88 1 $235,000 $235,000
    5706.0 1 $375,000 $375,000
    5736.0 1 $415,000 $415,000
    5740.0 1 $205,000 $205,000
    5746.0 1 $415,000 $415,000
    5769.0 1 $335,000 $335,000
    5773.0 1 $235,000 $235,000
    5822.0 1 $215,000 $215,000
    5853.13 1 $225,000 $225,000
    5854.0 1 $245,000 $245,000
    5878.0 1 $485,000 $485,000
    5935.0 1 $205,000 $205,000
    5961.0 1 $435,000 $435,000
    5968.0 1 $295,000 $295,000
    5983.0 1 $495,000 $495,000
    5996.0 1 $435,000 $435,000
    6000.0 1 $215,000 $215,000
    6051.0 1 $295,000 $295,000
    6056.0 1 $445,000 $445,000
    605.84 1 $245,000 $245,000
    6106.0 1 $445,000 $445,000
    6122.0 2 $820,000 $410,000
    6126.0 2 $910,000 $455,000
    6156.27 1 $335,000 $335,000
    6171.0 1 $455,000 $455,000
    6176.0 1 $265,000 $265,000
    6213.0 1 $365,000 $365,000
    6220.0 1 $285,000 $285,000
    6244.0 1 $465,000 $465,000
    6366.0 1 $315,000 $315,000
    6376.0 1 $385,000 $385,000
    6384.0 1 $425,000 $425,000
    6387.0 1 $295,000 $295,000
    6416.0 1 $475,000 $475,000
    6506.0 1 $245,000 $245,000
    6587.0 1 $445,000 $445,000
    6588.05 1 $255,000 $255,000
    6613.0 1 $215,000 $215,000
    6730.0 5 $2,575,000 $515,000
    6750.25 1 $455,000 $455,000
    6785.0 1 $265,000 $265,000
    7006.0 1 $435,000 $435,000
    7181.76 1 $245,000 $245,000
    7194.38 1 $335,000 $335,000
    7289.8 1 $285,000 $285,000
    7321.0 1 $285,000 $285,000
    7328.75 1 $505,000 $505,000
    7351.0 1 $415,000 $415,000
    746.84 1 $305,000 $305,000
    7674.0 1 $265,000 $265,000
    7760.08 1 $275,000 $275,000
    8060.0 1 $325,000 $325,000
    8121.27 1 $285,000 $285,000
    8323.0 1 $285,000 $285,000
    8715.62 1 $485,000 $485,000
    8731.82 1 $365,000 $365,000
    9063.0 1 $595,000 $595,000
    9326.0 1 $305,000 $305,000
    976.0 20 $6,860,000 $343,000
    NA 131 $34,065,000 $260,038

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 965 $250,505,000 $259,591

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 20 $2,660,000 $133,000 $0 2.88%
    40-60% 116 $25,950,000 $223,707 $4,834 2.98%
    60-80% 359 $90,795,000 $252,911 $5,604 3.21%
    80-100% 462 $127,580,000 $276,147 $8,558 3.24%
    Over 100% 8 $3,520,000 $440,000 $13,617 3.16%