Helm Bank Usa Mortgage Rates, Fees & Info
Miami, FLLEI: 254900OGMHGN3FQRRB74
Tax ID: 65-0159184
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Helm Bank Usa is a smaller bank specializing in Home Purchase loans. Helm Bank Usa has a high proportion of conventional loans. Their top markets by origination volume include: Miami, Orlando, Tampa, Lakeland, and Ocala among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Helm Bank Usa 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.
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Originations
195Origination Dollar Volume (All Markets)
$108,225,000Top 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 |
|---|---|---|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 81 | $65,015,000 | $802,654 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 84 | $34,930,000 | $415,833 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 11 | $4,265,000 | $387,727 | $0 | 0.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $0 | 0.00% |
| OCALA, FL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 0.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 0.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 195 | $108,225,000 | $555,000 | $0 | 0.00% |
For 2024, Helm Bank Usa's most frequently originated type of loan was Conventional, with 195 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 183 | $100,365,000 | $548,443 | $0 | 0.00% |
| Refi | 12 | $7,860,000 | $655,000 | $0 | 0.00% |
For 2024, Helm Bank Usa's most frequently cited loan purpose was Home Purchase, with 183 originations. The 2nd most popular reason was Refi, with 12 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 195 | $108,225,000 | $555,000 | $0 | 0.00% |
For 2024, Helm Bank Usa's most frequently cited loan duration was Other, with 195 originations.
Loan Sizing
2024 saw Helm Bank Usa place emphasis on $200k-400k loans with 89 originations, totaling $25,005,000 in origination value.
Applicant Income
Helm Bank Usa lent most frequently to those with incomes in the $250k+ range, with 38 originations. The second most popular income band? $100k-150k, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 195 | $108,225,000 | $555,000 | $0 | 0.00% |
Helm Bank Usa lent most frequently to those with DTI ratios of Exempt%, with 195 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.72%
Helm Bank Usa has an average approval rate.
Pick Rate
Approvals leading to origination72.82%
Helm Bank Usa has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 195 | $108,225,000 | $555,000 |