Jayco Premium Finance Of California Mortgage Rates, Fees & Info
COSTA MESA, CALEI: 54930009LUIVFTPRGT26
Tax ID: 46-0797627
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Mortgage Data
Review & Overview
Jayco Premium Finance Of California is a smaller mortgage company specializing in Cash Out Refi and Home Improvement loans. Jayco Premium Finance Of California has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, Seattle, San Francisco, and San Diego among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Jayco Premium Finance Of California has an above average approval rate when compared to the average across all lenders.
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Originations
42Origination Dollar Volume (All Markets)
$24,160,000Top 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 21 | $15,165,000 | $722,143 | $0 | 12.56% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 8 | $2,300,000 | $287,500 | $0 | 12.44% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $1,985,000 | $1,985,000 | $0 | 12.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $1,375,000 | $1,375,000 | $0 | 11.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $0 | 12.50% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 11.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 11.88% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 13.50% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 11.88% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 13.50% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 42 | $24,160,000 | $575,238 | $0 | 12.49% |
For 2023, Jayco Premium Finance Of California's most frequently originated type of loan was Conventional, with 42 originations.
Loan Reason
For 2023, Jayco Premium Finance Of California's most frequently cited loan purpose was Cash Out Refi, with 26 originations. The 2nd most popular reason was Refi, with 7 originations.
Loan Duration/Length
For 2023, Jayco Premium Finance Of California's most frequently cited loan duration was 1 Year, with 28 originations. The 2nd most popular length was Other, with 8 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 41 | $24,085,000 | $587,439 |
During 2023, Jayco Premium Finance Of California's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 41 originations.
Loan Sizing
2023 saw Jayco Premium Finance Of California place emphasis on $1MM+ loans with 11 originations, totaling $15,415,000 in origination value.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 45% | 5 | $535,000 | $107,000 | $0 | 12.94% |
| Exempt% | 1 | $1,405,000 | $1,405,000 | $0 | 12.25% |
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not provided | 42 | $24,160,000 | $575,238 | $0 | 12.49% |
Approval Rates
Total approvals of all applications100.00%
Jayco Premium Finance Of California has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 42 | $24,160,000 | $575,238 |