A Mortgage Boutique Rates, Fees & Info
Murfreesboro, TNLEI: 254900IZM1F435SFXE81
Tax ID: 84-1790675
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Mortgage Data
Review & Overview
A Mortgage Boutique is a smaller mortgage company specializing in Home Purchase and Refi loans. A Mortgage Boutique has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Knoxville, Nashville, Pensacola, Birmingham, and Mobile among others. We have data for 77 markets. (Some data included below & more in-depth data is available with an active subscription.)A Mortgage Boutique 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. A Mortgage Boutique is typically a low 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.
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Originations
3,065Origination Dollar Volume (All Markets)
$672,755,000Awards
A Mortgage Boutique - 2020
A Mortgage Boutique is a 2020 , due to their low .
For 2020, 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 |
|---|---|---|---|---|---|
| KNOXVILLE, TN (FHA|USDA|VA) | 797 | $161,785,000 | $202,992 | $4,059 | 2.96% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 579 | $152,165,000 | $262,807 | $4,785 | 2.97% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 316 | $84,990,000 | $268,956 | $4,976 | 3.20% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 178 | $38,540,000 | $216,517 | $4,633 | 3.06% |
| Outside of Metro Areas | 209 | $35,245,000 | $168,636 | $4,709 | 3.17% |
| MOBILE, AL (FHA|USDA|VA) | 141 | $25,875,000 | $183,511 | $4,806 | 3.05% |
| MORRISTOWN, TN (FHA|USDA|VA) | 87 | $17,175,000 | $197,414 | $4,358 | 3.02% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 78 | $16,240,000 | $208,205 | $3,552 | 3.12% |
| MONTGOMERY, AL (FHA|USDA|VA) | 72 | $14,690,000 | $204,028 | $4,451 | 3.00% |
| Sevierville, TN (FHA|USDA|VA) | 67 | $13,785,000 | $205,746 | $4,119 | 3.05% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 55 | $13,435,000 | $244,273 | $5,553 | 3.17% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 66 | $12,550,000 | $190,152 | $4,322 | 3.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 40 | $9,620,000 | $240,500 | $5,593 | 2.96% |
| Shelbyville, TN (FHA|USDA|VA) | 37 | $9,015,000 | $243,649 | $4,332 | 2.82% |
| Lawrenceburg, TN (FHA|USDA|VA) | 42 | $6,890,000 | $164,048 | $4,313 | 3.28% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 32 | $6,020,000 | $188,125 | $4,195 | 3.19% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 24 | $5,440,000 | $226,667 | $5,381 | 3.26% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 29 | $4,765,000 | $164,310 | $3,753 | 3.21% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 14 | $4,480,000 | $320,000 | $5,748 | 3.06% |
| JACKSON, TN (FHA|USDA|VA) | 22 | $3,490,000 | $158,636 | $4,091 | 3.04% |
| Madisonville, KY (FHA|USDA|VA) | 19 | $2,885,000 | $151,842 | $3,365 | 3.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 16 | $2,800,000 | $175,000 | $3,976 | 2.96% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 11 | $2,555,000 | $232,273 | $6,026 | 3.20% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $1,810,000 | $226,250 | $6,372 | 3.09% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 7 | $1,785,000 | $255,000 | $4,193 | 3.09% |
| Cookeville, TN (FHA|USDA|VA) | 10 | $1,730,000 | $173,000 | $6,365 | 3.40% |
| Lewisburg, TN (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $4,615 | 3.00% |
| Newport, TN (FHA|USDA|VA) | 8 | $1,430,000 | $178,750 | $4,225 | 3.00% |
| Crossville, TN (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $3,966 | 3.10% |
| Athens, TN (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $7,518 | 3.28% |
| CLEVELAND, TN (FHA|USDA|VA) | 6 | $1,020,000 | $170,000 | $5,426 | 3.15% |
| PANAMA CITY, FL (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $3,036 | 3.40% |
| OWENSBORO, KY (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $4,514 | 2.81% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $5,466 | 3.38% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $4,953 | 3.42% |
| Alexander City, AL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $2,798 | 3.03% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,314 | 3.38% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $5,569 | 2.96% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,257 | 3.88% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,225 | 3.06% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $15,975 | 3.75% |
| McMinnville, TN (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $4,016 | 3.29% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $7,483 | 3.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,440 | 2.94% |
| Dayton, TN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,756 | 3.56% |
| Big Stone Gap, VA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,831 | 3.29% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,145 | 2.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,607 | 2.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,239 | 3.13% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,729 | 2.69% |
| Greeneville, TN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,775 | 3.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,089 | 2.88% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $13,822 | 3.13% |
| Danville, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,594 | 3.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,573 | 2.75% |
| Jasper, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,716 | 3.63% |
| Union City, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,385 | 2.50% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,677 | 2.88% |
| Albertville, AL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,198 | 2.88% |
| Atmore, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,701 | 3.38% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,932 | 3.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,411 | 3.13% |
| Greenville, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,338 | 3.13% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,475 | 3.13% |
| Paducah, KY-IL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,663 | 2.81% |
| Brownsville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,397 | 2.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,874 | 2.75% |
| Somerset, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,661 | 3.63% |
| London, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,270 | 3.25% |
| Troy, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,747 | 3.63% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $710 | 3.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,848 | 3.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,693 | 3.63% |
| Ozark, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,485 | 2.25% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,513 | 3.63% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,810 | 3.00% |
| Paris, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,582 | 3.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against A Mortgage Boutique 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 2020, A Mortgage Boutique's most frequently originated type of loan was Conventional, with 1,963 originations. Their 2nd most popular type was VA, with 464 originations.
Loan Reason
For 2020, A Mortgage Boutique's most frequently cited loan purpose was Home Purchase, with 1,461 originations. The 2nd most popular reason was Refi, with 1,325 originations.
Loan Duration/Length
For 2020, A Mortgage Boutique's most frequently cited loan duration was 30 Year, with 2,616 originations. The 2nd most popular length was 15 Year, with 301 originations.
Origination Fees/Closing Costs
A Mortgage Boutique's average total fees were $4,703, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,190 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,338 | $304,490,000 | $227,571 |
| 3-4% | 1,320 | $273,870,000 | $207,477 |
| <2.5% | 350 | $84,160,000 | $240,457 |
| 4-5% | 57 | $10,235,000 | $179,561 |
During 2020, A Mortgage Boutique's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,338 originations.
Loan Sizing
2020 saw A Mortgage Boutique place emphasis on $200k-400k loans with 1,387 originations, totaling $374,345,000 in origination value.
Applicant Income
A Mortgage Boutique lent most frequently to those with incomes in the $50k-75k range, with 881 originations. The second most popular income band? $50k or less, with 856 originations.
Applicant Debt to Income Ratio
A Mortgage Boutique lent most frequently to those with DTI ratios of 20-30%, with 637 originations. The next most common DTI ratio? 30-36%, with 536 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.51%
A Mortgage Boutique has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination90.28%
A Mortgage Boutique has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,065 | $672,755,000 | $219,496 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 3,065 | $672,755,000 | $219,496 |