Assurance Financial Group Mortgage Rates, Fees & Info

Baton Rouge, LA

LEI: 254900ZX1UPIG2E7TH11

Tax ID: 72-1505298

4.8 stars - out of 5 stars, based on 85 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Assurance Financial Group is a small mortgage company specializing in Home Purchase and Refi loans. Assurance Financial Group has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Baton Rouge, Lafayette, Atlanta, Birmingham, and Houma among others. We have data for 212 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Assurance Financial Group 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. Assurance Financial Group 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 6.66% 1/29/23
    30 Year Conventional Refi 6.55% 1/29/23
    30 Year Cash-out Refi 6.68% 1/29/23
    30 Year FHA Purchase 7.49% 1/29/23
    30 Year FHA Refi 7.13% 1/29/23
    30 Year VA Purchase 6.43% 1/29/23
    30 Year VA Refi 6.10% 1/29/23
    30 Year USDA Purchase 6.92% 1/29/23
    30 Year USDA Refi 6.73% 1/29/23
    15 Year Conventional Purchase 6.23% 1/29/23
    15 Year Conventional Refi 6.10% 1/29/23
    15 Year Cash-out Refi 6.10% 1/29/23
    15 Year FHA Purchase 5.68% 1/29/23
    15 Year VA Purchase 6.37% 1/29/23
    15 Year VA Refi 5.68% 1/29/23
    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.


    Originations

    7,288

    Origination Dollar Volume (All Markets)

    $1,810,930,000
    Show all (6) awards

    Relative Rate

    Assurance Financial Group's average 30 year fixed mortgage rate was 3.15%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0%.

    Relative Fees (Closing Costs)

    Assurance Financial Group's average total fees/closing costs for a 30 year fixed rate mortgage were $4,909.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    BATON ROUGE, LA (FHA|USDA|VA) 1,983 $492,175,000 $248,197 $4,724 3.08%
    LAFAYETTE, LA (FHA|USDA|VA) 732 $156,790,000 $214,194 $4,868 3.12%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 438 $140,210,000 $320,114 $4,051 3.04%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 470 $112,590,000 $239,553 $4,153 3.23%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 414 $81,970,000 $197,995 $4,945 3.08%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 230 $80,660,000 $350,696 $6,774 3.00%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 179 $65,155,000 $363,994 $4,312 2.95%
    HUNTSVILLE, AL (FHA|USDA|VA) 270 $62,210,000 $230,407 $4,492 3.25%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 215 $55,075,000 $256,163 $5,351 3.09%
    COLUMBIA, SC (FHA|USDA|VA) 214 $45,860,000 $214,299 $4,184 3.10%
    RICHMOND, VA (FHA|USDA|VA) 170 $44,370,000 $261,000 $4,114 3.07%
    Outside of Metro Areas 204 $41,410,000 $202,990 $5,135 3.23%
    MONROE, LA (FHA|USDA|VA) 174 $36,750,000 $211,207 $6,340 3.14%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 196 $34,890,000 $178,010 $3,627 3.08%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 107 $30,615,000 $286,121 $5,386 3.06%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 136 $28,870,000 $212,279 $4,482 3.10%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 104 $26,980,000 $259,423 $4,907 2.99%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 66 $26,830,000 $406,515 $7,230 3.17%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 96 $22,550,000 $234,896 $6,368 3.06%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 49 $17,195,000 $350,918 $2,669 2.76%
    LYNCHBURG, VA (FHA|USDA|VA) 64 $12,610,000 $197,031 $4,318 3.30%
    HAMMOND, LA (FHA|USDA|VA) 35 $7,425,000 $212,143 $4,896 3.04%
    TUSCALOOSA, AL (FHA|USDA|VA) 31 $7,335,000 $236,613 $4,773 3.41%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 25 $7,075,000 $283,000 $4,615 3.22%
    Opelousas, LA (FHA|USDA|VA) 41 $6,845,000 $166,951 $4,637 3.20%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 11 $5,365,000 $487,727 $5,448 3.19%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 18 $5,240,000 $291,111 $2,648 2.80%
    DECATUR, AL (FHA|USDA|VA) 28 $5,200,000 $185,714 $4,648 3.33%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 18 $5,110,000 $283,889 $4,716 3.03%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 18 $4,470,000 $248,333 $5,137 3.30%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 14 $4,390,000 $313,571 $4,385 3.28%
    BOULDER, CO (FHA|USDA|VA) 8 $4,130,000 $516,250 $3,568 2.92%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 14 $3,810,000 $272,143 $3,474 2.85%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $3,715,000 $285,769 $4,761 3.11%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 10 $3,460,000 $346,000 $4,594 2.82%
    ROANOKE, VA (FHA|USDA|VA) 10 $3,200,000 $320,000 $6,441 3.59%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 9 $2,835,000 $315,000 $6,093 3.19%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 8 $2,810,000 $351,250 $4,143 3.06%
    GREELEY, CO (FHA|USDA|VA) 8 $2,740,000 $342,500 $3,023 3.03%
    WORCESTER, MA-CT (FHA|USDA|VA) 11 $2,735,000 $248,636 $2,347 3.01%
    LAKE CHARLES, LA (FHA|USDA|VA) 12 $2,720,000 $226,667 $4,330 3.01%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 9 $2,625,000 $291,667 $4,451 2.92%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 9 $2,615,000 $290,556 $3,184 3.06%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 11 $2,615,000 $237,727 $4,184 2.93%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 8 $2,600,000 $325,000 $2,831 2.91%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $2,275,000 $455,000 $4,202 3.50%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $2,090,000 $522,500 $5,068 3.06%
    Cullman, AL (FHA|USDA|VA) 9 $2,065,000 $229,444 $4,926 3.18%
    MOBILE, AL (FHA|USDA|VA) 12 $2,040,000 $170,000 $4,033 3.19%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $2,040,000 $340,000 $3,810 3.00%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 8 $2,020,000 $252,500 $6,064 3.20%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $1,905,000 $272,143 $4,726 2.89%
    GAINESVILLE, GA (FHA|USDA|VA) 7 $1,905,000 $272,143 $4,186 3.21%
    Sevierville, TN (FHA|USDA|VA) 7 $1,785,000 $255,000 $5,060 3.30%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 7 $1,715,000 $245,000 $4,778 3.34%
    ALEXANDRIA, LA (FHA|USDA|VA) 8 $1,700,000 $212,500 $6,088 3.03%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,640,000 $410,000 $6,086 3.13%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 7 $1,515,000 $216,429 $3,123 3.09%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,510,000 $377,500 $4,734 2.81%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 5 $1,505,000 $301,000 $4,506 3.33%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $1,420,000 $236,667 $5,494 3.06%
    MIDLAND, TX (FHA|USDA|VA) 4 $1,340,000 $335,000 $4,741 2.90%
    JACKSON, MS (FHA|USDA|VA) 6 $1,310,000 $218,333 $5,109 2.83%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 5 $1,245,000 $249,000 $2,860 2.73%
    Ruston, LA (FHA|USDA|VA) 5 $1,195,000 $239,000 $6,538 3.25%
    RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,175,000 $235,000 $3,880 2.97%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $1,055,000 $211,000 $4,451 3.08%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $1,040,000 $520,000 $3,181 3.06%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $1,015,000 $203,000 $3,703 3.12%
    FORT COLLINS, CO (FHA|USDA|VA) 4 $1,010,000 $252,500 $2,924 2.81%
    Newberry, SC (FHA|USDA|VA) 3 $1,005,000 $335,000 $2,571 3.75%
    MONTGOMERY, AL (FHA|USDA|VA) 6 $980,000 $163,333 $3,815 3.21%
    Alexander City, AL (FHA|USDA|VA) 2 $980,000 $490,000 $4,922 4.06%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $940,000 $235,000 $2,884 3.06%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $905,000 $181,000 $4,278 3.15%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $900,000 $450,000 $8,499 3.50%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $885,000 $295,000 $4,629 3.33%
    Morgan City, LA (FHA|USDA|VA) 7 $855,000 $122,143 $3,612 3.29%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $840,000 $210,000 $5,758 3.22%
    Albertville, AL (FHA|USDA|VA) 4 $830,000 $207,500 $6,241 3.19%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $830,000 $415,000 $9,343 3.69%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $815,000 $271,667 $8,463 3.58%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $810,000 $202,500 $3,523 2.84%
    Rockport, TX (FHA|USDA|VA) 1 $805,000 $805,000 $9,366 3.25%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $790,000 $395,000 $3,931 2.69%
    SUMTER, SC (FHA|USDA|VA) 4 $730,000 $182,500 $6,813 3.09%
    Gainesville, TX (FHA|USDA|VA) 2 $720,000 $360,000 $14,215 2.44%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $710,000 $177,500 $3,046 2.91%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $700,000 $350,000 $10,081 3.68%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $695,000 $231,667 $3,419 2.75%
    Keene, NH (FHA|USDA|VA) 3 $685,000 $228,333 $4,055 2.50%
    Jennings, LA (FHA|USDA|VA) 3 $685,000 $228,333 $5,188 2.75%
    Minden, LA (FHA|USDA|VA) 6 $680,000 $113,333 $4,331 3.44%
    Natchez, MS-LA (FHA|USDA|VA) 5 $675,000 $135,000 $5,517 3.33%
    Kerrville, TX (FHA|USDA|VA) 3 $645,000 $215,000 $5,453 3.00%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $630,000 $157,500 $3,184 3.06%
    Breckenridge, CO (FHA|USDA|VA) 2 $630,000 $315,000 $2,972 3.50%
    GADSDEN, AL (FHA|USDA|VA) 2 $620,000 $310,000 $5,650 3.69%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $610,000 $305,000 $7,635 2.87%
    McComb, MS (FHA|USDA|VA) 3 $575,000 $191,667 $5,668 2.96%
    Laconia, NH (FHA|USDA|VA) 2 $550,000 $275,000 $3,424 2.81%
    WILMINGTON, NC (FHA|USDA|VA) 2 $550,000 $275,000 $4,254 3.69%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $545,000 $545,000 $6,361 5.00%
    Emporia, KS (FHA|USDA|VA) 3 $535,000 $178,333 $5,307 3.50%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $535,000 $535,000 $6,725 2.50%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $520,000 $260,000 $3,016 2.94%
    PUEBLO, CO (FHA|USDA|VA) 2 $510,000 $255,000 $3,359 2.94%
    JONESBORO, AR (FHA|USDA|VA) 1 $495,000 $495,000 $4,260 3.38%
    FLINT, MI (FHA|USDA|VA) 3 $495,000 $165,000 $3,384 3.08%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $485,000 $485,000 $6,317 3.12%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $480,000 $240,000 $3,370 3.31%
    SPRINGFIELD, MA (FHA|USDA|VA) 2 $460,000 $230,000 $2,742 3.13%
    Fort Payne, AL (FHA|USDA|VA) 1 $445,000 $445,000 $55 2.25%
    WACO, TX (FHA|USDA|VA) 5 $445,000 $89,000 $3,027 3.20%
    HATTIESBURG, MS (FHA|USDA|VA) 4 $440,000 $110,000 $3,421 3.25%
    Moultrie, GA (FHA|USDA|VA) 1 $435,000 $435,000 $3,765 2.13%
    Georgetown, SC (FHA|USDA|VA) 1 $435,000 $435,000 $3,952 3.25%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $430,000 $215,000 $3,767 3.44%
    TYLER, TX (FHA|USDA|VA) 2 $420,000 $210,000 $3,920 2.94%
    Jefferson, GA (FHA|USDA|VA) 2 $420,000 $210,000 $2,474 2.56%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $415,000 $415,000 $4,707 2.99%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $405,000 $405,000 $4,453 3.50%
    ODESSA, TX (FHA|USDA|VA) 1 $405,000 $405,000 $6,944 3.25%
    Edwards, CO (FHA|USDA|VA) 1 $395,000 $395,000 $5,094 3.50%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $375,000 $375,000 $3,499 2.75%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $375,000 $375,000 $3,841 3.13%
    Jasper, AL (FHA|USDA|VA) 2 $360,000 $180,000 $3,863 2.94%
    Bogalusa, LA (FHA|USDA|VA) 2 $360,000 $180,000 $5,302 3.13%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $355,000 $355,000 $2,930 3.50%
    Outside of Metro Areas 1 $355,000 $355,000 $3,484 3.25%
    Stephenville, TX (FHA|USDA|VA) 1 $345,000 $345,000 $8,462 2.88%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $345,000 $345,000 $15,007 2.63%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $340,000 $170,000 $3,072 3.25%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $340,000 $170,000 $5,220 4.06%
    LONGVIEW, WA (FHA|USDA|VA) 1 $335,000 $335,000 $5,765 3.63%
    MANHATTAN, KS (FHA|USDA|VA) 1 $335,000 $335,000 $3,277 3.63%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $325,000 $325,000 $4,098 2.25%
    Milledgeville, GA (FHA|USDA|VA) 1 $325,000 $325,000 $4,684 3.99%
    DALTON, GA (FHA|USDA|VA) 1 $325,000 $325,000 $2,776 2.63%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $315,000 $315,000 $8,863 2.63%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $315,000 $315,000 $3,202 2.75%
    Scottsboro, AL (FHA|USDA|VA) 2 $310,000 $155,000 $3,080 3.19%
    Vicksburg, MS (FHA|USDA|VA) 1 $305,000 $305,000 $5,046 3.00%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $305,000 $305,000 $4,879 3.38%
    JACKSON, TN (FHA|USDA|VA) 1 $305,000 $305,000 $2,819 2.88%
    FLORENCE, SC (FHA|USDA|VA) 1 $305,000 $305,000 $5,155 3.37%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $305,000 $305,000 $2,937 2.75%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $300,000 $150,000 $4,055 3.63%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $300,000 $150,000 $4,503 3.43%
    BANGOR, ME (FHA|USDA|VA) 1 $295,000 $295,000 $13,111 2.38%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,151 2.99%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $295,000 $295,000 $5,199 2.38%
    Glenwood Springs, CO (FHA|USDA|VA) 2 $290,000 $145,000 $5,116 1.63%
    SAVANNAH, GA (FHA|USDA|VA) 2 $280,000 $140,000 $5,632 3.19%
    Jacksonville, TX (FHA|USDA|VA) 1 $275,000 $275,000 $3,223 2.88%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $275,000 $275,000 $2,255 2.87%
    Orangeburg, SC (FHA|USDA|VA) 2 $270,000 $135,000 $5,033 3.19%
    Enterprise, AL (FHA|USDA|VA) 3 $265,000 $88,333 $4,198 3.46%
    NEW BERN, NC (FHA|USDA|VA) 2 $260,000 $130,000 $2,062 2.93%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $260,000 $130,000 $3,763 3.44%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $255,000 $255,000 $13,294 2.25%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $250,000 $125,000 $4,640 3.25%
    TULSA, OK (FHA|USDA|VA) 1 $245,000 $245,000 $4,270 2.50%
    LANCASTER, PA (FHA|USDA|VA) 1 $245,000 $245,000 $3,159 2.75%
    Calhoun, GA (FHA|USDA|VA) 1 $245,000 $245,000 $7,551 2.50%
    Lewistown, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,765 2.25%
    Danville, VA (FHA|USDA|VA) 2 $230,000 $115,000 $3,824 2.69%
    Jackson, WY-ID (FHA|USDA|VA) 1 $225,000 $225,000 $4,867 2.87%
    Brookhaven, MS (FHA|USDA|VA) 2 $220,000 $110,000 $3,518 3.00%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,947 2.25%
    Fort Polk South, LA (FHA|USDA|VA) 1 $215,000 $215,000 $3,792 3.25%
    Winona, MN (FHA|USDA|VA) 1 $205,000 $205,000 $3,121 3.25%
    Morehead City, NC (FHA|USDA|VA) 1 $205,000 $205,000 $4,071 2.88%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $205,000 $205,000 $10,101 3.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,417 2.99%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $205,000 $205,000 $2,694 3.25%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $200,000 $100,000 $2,554 3.31%
    Lufkin, TX (FHA|USDA|VA) 1 $195,000 $195,000 $8,429 3.75%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $195,000 $195,000 $2,352 3.25%
    Brevard, NC (FHA|USDA|VA) 1 $195,000 $195,000 $4,227 2.38%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,052 2.63%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,340 3.13%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $185,000 $185,000 $3,213 3.00%
    Toccoa, GA (FHA|USDA|VA) 1 $185,000 $185,000 $4,733 3.25%
    Crossville, TN (FHA|USDA|VA) 1 $185,000 $185,000 $3,909 2.63%
    Pearsall, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,929 3.13%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,540 2.75%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $175,000 $175,000 $3,340 3.00%
    Montrose, CO (FHA|USDA|VA) 1 $165,000 $165,000 $2,243 2.88%
    Picayune, MS (FHA|USDA|VA) 1 $165,000 $165,000 $5,532 2.88%
    Starkville, MS (FHA|USDA|VA) 1 $165,000 $165,000 $3,767 3.25%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,135 2.63%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,664 2.25%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $155,000 $155,000 $2,798 2.88%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,368 2.25%
    Durango, CO (FHA|USDA|VA) 1 $155,000 $155,000 $2,937 2.88%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $155,000 $155,000 $2,656 3.37%
    ROME, GA (FHA|USDA|VA) 2 $150,000 $75,000 $3,216 4.00%
    CLEVELAND, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,080 2.50%
    Albemarle, NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,475 3.88%
    Las Vegas, NM (FHA|USDA|VA) 1 $135,000 $135,000 $6,111 3.88%
    El Dorado, AR (FHA|USDA|VA) 1 $125,000 $125,000 $3,102 3.13%
    MADISON, WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,707 3.25%
    ABILENE, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,951 3.38%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $105,000 $105,000 $3,378 3.63%
    Atmore, AL (FHA|USDA|VA) 1 $95,000 $95,000 $4,423 2.75%
    Shelby, NC (FHA|USDA|VA) 1 $95,000 $95,000 $1,795 2.50%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $75,000 $75,000 $3,777 3.25%
    HINESVILLE, GA (FHA|USDA|VA) 1 $75,000 $75,000 $3,283 3.25%
    Cornelia, GA (FHA|USDA|VA) 1 $65,000 $65,000 $3,259 3.25%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $65,000 $65,000 $3,197 3.75%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $55,000 $55,000 $2,494 3.25%
    Assurance Financial Group's top markets include Baton Rouge, Lafayette, Atlanta, Birmingham, and Houma among others.

    Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,630 $1,439,270,000 $255,643 $4,103 3.12%
    FHA 777 $165,885,000 $213,494 $7,665 3.13%
    USDA 508 $92,710,000 $182,500 $5,596 3.04%
    VA 373 $113,065,000 $303,123 $7,089 2.83%

    For 2021, Assurance Financial Group's most frequently originated type of loan was Conventional, with 5,630 originations. Their 2nd most popular type was FHA, with 777 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,203 $1,051,825,000 $250,256 $5,302 3.17%
    Refi 2,563 $635,455,000 $247,934 $3,924 2.97%
    Cash Out Refi 506 $119,490,000 $236,146 $4,231 3.19%
    Home Improvement 13 $3,255,000 $250,385 $3,697 3.15%
    Other 3 $905,000 $301,667 $6,093 4.38%

    For 2021, Assurance Financial Group's most frequently cited loan purpose was Home Purchase, with 4,203 originations. The 2nd most popular reason was Refi, with 2,563 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,175 $1,555,355,000 $251,879 $4,909 3.15%
    15 Year 613 $130,295,000 $212,553 $3,711 2.67%
    20 Year 291 $72,145,000 $247,921 $3,802 2.92%
    Other 132 $36,280,000 $274,848 $4,104 3.00%
    10 Year 55 $8,725,000 $158,636 $2,868 2.58%
    30+ year 21 $8,125,000 $386,905 $8,374 5.00%
    3 Year 1 $5,000 $5,000 $0 0.00%

    For 2021, Assurance Financial Group's most frequently cited loan duration was 30 Year, with 6,175 originations. The 2nd most popular length was 15 Year, with 613 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 4,634 $1,052,180,000 $227,057
    $<1k 1,257 $329,775,000 $262,351
    $2k-3k 815 $226,645,000 $278,092
    $3k-4k 295 $96,105,000 $325,780
    $5k+ 153 $59,445,000 $388,529
    $4k-5k 130 $45,490,000 $349,923

    Assurance Financial Group's average total fees were $4,909, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,634 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 3,543 $840,795,000 $237,312
    2.5-3% 2,973 $776,835,000 $261,297
    <2.5% 566 $151,100,000 $266,961
    4-5% 203 $41,915,000 $206,478
    5-6% 2 $280,000 $140,000

    During 2021, Assurance Financial Group's average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was 3-4%, with 3,543 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,317 $917,685,000 $276,661 $5,131 3.06%
    $100k-200k 2,603 $404,875,000 $155,542 $4,121 3.15%
    $400k-600k 821 $392,885,000 $478,544 $5,673 3.00%
    $100,000 or less 471 $34,725,000 $73,726 $3,226 3.25%
    $600k-1MM 66 $47,390,000 $718,030 $8,451 3.34%
    $1MM+ 10 $13,370,000 $1,337,000 $7,973 3.23%

    2021 saw Assurance Financial Group place emphasis on $200k-400k loans with 3,317 originations, totaling $917,685,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,694 $349,790,000 $206,488 $4,811 3.09%
    $100k-150k 1,581 $456,765,000 $288,909 $4,860 3.08%
    $50k or less 1,310 $207,750,000 $158,588 $4,422 3.08%
    $75k-100k 1,271 $302,135,000 $237,714 $4,732 3.12%
    $150k-250k 1,074 $351,180,000 $326,983 $4,736 3.12%
    $250k+ 346 $140,120,000 $404,971 $5,132 3.17%

    Assurance Financial Group lent most frequently to those with incomes in the $50k-75k range, with 1,694 originations. The second most popular income band? $100k-150k, with 1,581 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,708 $432,810,000 $253,402 $4,336 3.05%
    30-36% 1,308 $326,730,000 $249,794 $4,688 3.12%
    <20% 656 $148,560,000 $226,463 $3,920 3.00%
    44% 316 $76,850,000 $243,196 $4,788 3.21%
    43% 290 $66,980,000 $230,966 $4,699 3.19%
    40% 286 $73,570,000 $257,238 $5,003 3.20%
    50-60% 266 $62,740,000 $235,865 $7,772 3.11%
    37% 260 $65,070,000 $250,269 $4,628 3.14%
    42% 257 $62,525,000 $243,288 $4,695 3.20%
    38% 250 $62,920,000 $251,680 $4,889 3.10%
    39% 249 $63,245,000 $253,996 $4,867 3.12%
    41% 247 $60,495,000 $244,919 $4,810 3.18%
    45% 241 $59,165,000 $245,498 $5,014 3.16%
    36% 215 $53,425,000 $248,488 $4,718 3.10%
    47% 174 $45,860,000 $263,563 $5,151 3.11%
    49% 167 $41,965,000 $251,287 $5,384 3.13%
    46% 156 $43,140,000 $276,538 $5,483 3.16%
    48% 154 $41,980,000 $272,597 $5,039 3.09%
    >60% 7 $1,465,000 $209,286 $6,931 2.64%

    Assurance Financial Group lent most frequently to those with DTI ratios of 20-30%, with 1,708 originations. The next most common DTI ratio? 30-36%, with 1,308 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,876 $1,469,840,000 $250,143 $4,652 3.09%
    Not provided 520 $131,540,000 $252,962 $4,842 3.11%
    Black 558 $119,070,000 $213,387 $5,513 3.20%
    Asian 250 $68,550,000 $274,200 $4,763 3.11%
    American Indian 49 $11,765,000 $240,102 $4,948 3.12%
    Asian Indian 12 $4,000,000 $333,333 $5,319 3.15%
    Other Asian 6 $1,890,000 $315,000 $6,389 2.90%
    Chinese 5 $1,015,000 $203,000 $3,738 3.37%
    Filipino 3 $865,000 $288,333 $7,001 2.91%
    Other Pacific Islander 2 $760,000 $380,000 $7,038 2.75%
    Vietnamese 2 $570,000 $285,000 $3,699 3.25%
    Native Hawaiian or Islander 2 $350,000 $175,000 $3,146 2.88%
    1 $325,000 $325,000 $2,756 2.50%
    Japanese 1 $235,000 $235,000 $7,961 3.25%
    Korean 1 $155,000 $155,000 $2,347 2.75%

    Approval Rates

    Total approvals of all applications
    96.54%

    Assurance Financial Group 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
    64.56%

    Assurance Financial Group has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,288 $1,810,930,000 $248,481

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,288 $1,810,930,000 $248,481

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 203 $33,195,000 $163,522 $3,463 2.89%
    40-60% 684 $162,700,000 $237,865 $3,697 2.93%
    60-80% 2,438 $614,560,000 $252,075 $4,007 3.15%
    80-100% 3,834 $970,400,000 $253,104 $5,337 3.12%
    Over 100% 91 $27,705,000 $304,451 $11,406 2.97%
    Under 20% 38 $2,370,000 $62,368 $1,130 2.19%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    ASSURANCE FINANCIAL GROUP, LLC Conventional home mortgage Trouble during payment process 1 50.0%
    ASSURANCE FINANCIAL GROUP, LLC FHA mortgage Trouble during payment process 1 50.0%