Helm Bank Usa Mortgage Rates, Fees & Info
Miami, FLLEI: 254900OGMHGN3FQRRB74
Tax ID: 65-0159184
Latest/2023 | 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, Lakeland, Crestview, and Tampa among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Helm Bank Usa 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.
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Originations
192Origination Dollar Volume (All Markets)
$99,460,000Top 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) | 88 | $62,420,000 | $709,318 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 76 | $29,000,000 | $381,579 | $0 | 0.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 13 | $3,005,000 | $231,154 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,860,000 | $930,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $1,795,000 | $256,429 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 192 | $99,460,000 | $518,021 | $0 | 0.00% |
For 2023, Helm Bank Usa's most frequently originated type of loan was Conventional, with 192 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 178 | $81,950,000 | $460,393 | $0 | 0.00% |
| Refi | 14 | $17,510,000 | $1,250,714 | $0 | 0.00% |
For 2023, Helm Bank Usa's most frequently cited loan purpose was Home Purchase, with 178 originations. The 2nd most popular reason was Refi, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 192 | $99,460,000 | $518,021 | $0 | 0.00% |
For 2023, Helm Bank Usa's most frequently cited loan duration was Other, with 192 originations.
Loan Sizing
2023 saw Helm Bank Usa place emphasis on $200k-400k loans with 106 originations, totaling $30,440,000 in origination value.
Applicant Income
Helm Bank Usa lent most frequently to those with incomes in the $250k+ range, with 42 originations. The second most popular income band? $100k-150k, with 19 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 192 | $99,460,000 | $518,021 | $0 | 0.00% |
Helm Bank Usa lent most frequently to those with DTI ratios of Exempt%, with 192 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.31%
Helm Bank Usa has an average approval rate.
Pick Rate
Approvals leading to origination75.52%
Helm Bank Usa has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 192 | $99,460,000 | $518,021 |