Leaderone Financial Corporation Mortgage Rates, Fees & Info

TOPEKA, KS

LEI: 5493000NYUJT9UC6G261

Tax ID: 48-1148159

2020 Data | 2019 Data | 2018 Data


Overview

Leaderone Financial Corporation is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Leaderone Financial Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Minneapolis, Kansas City, Denver, Phoenix, and Chicago among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Leaderone Financial Corporation is typically an average fee lendor.


Originations

21,499

Origination Dollar Volume (All Markets)

$5,378,755,000

Relative Rate

Leaderone Financial Corporation's average 30 year fixed rate mortgage was 3.2%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.16%.

Relative Fees

Leaderone Financial Corporation's average total fees for a 30 year fixed rate mortgage are $4,614.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 15,724 $4,084,800,000 $259,781 $3,534 3.11%
FHA 3,551 $720,125,000 $202,795 $7,640 3.41%
VA 1,826 $507,490,000 $277,924 $5,382 2.93%
USDA 398 $66,340,000 $166,683 $4,893 3.20%

For the 2020 period, Leaderone Financial Corporation's most frequently originated loan type was Conventional, with 15,724 originations. Their 2nd most popular type is FHA, with 3,551 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 10,279 $2,371,855,000 $230,748 $5,253 3.20%
Refi 8,215 $2,227,465,000 $271,146 $3,368 3.04%
Cash Out Refi 3,005 $779,435,000 $259,379 $4,281 3.28%

For the 2020, Leaderone Financial Corporation's most frequently cited loan purpose was Home Purchase, with 10,279 originations. The 2nd most popular reason was Refi, with 8,215 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 18,597 $4,765,675,000 $256,260 $4,614 3.19%
15 Year 1,636 $354,130,000 $216,461 $3,206 2.81%
20 Year 667 $163,215,000 $244,700 $3,103 3.13%
10 Year 315 $23,225,000 $73,730 $1,328 2.60%
Other 282 $72,500,000 $257,092 $3,107 3.08%
5 Year 2 $10,000 $5,000 $0 0.00%

For the 2020, Leaderone Financial Corporation's most frequently cited loan length was 30 Year, with 18,597 originations. The 2nd most popular length was 15 Year, with 1,636 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 11,298 $2,837,190,000 $251,123
$<1k 4,814 $1,119,820,000 $232,617
$2k-3k 2,713 $638,735,000 $235,435
$3k-4k 1,994 $541,100,000 $271,364
$5k+ 673 $241,065,000 $358,195

$4,614 was Leaderone Financial Corporation's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 11,298 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 3,819 $1,061,275,000 $277,893 $3,718 3.07%
KANSAS CITY, MO-KS 2,142 $437,600,000 $204,295 $3,850 3.13%
Outside of Metro Areas 1,943 $395,495,000 $203,549 $4,386 3.21%
DENVER-AURORA-LAKEWOOD, CO 806 $283,280,000 $351,464 $4,502 3.17%
PHOENIX-MESA-CHANDLER, AZ 1,074 $278,730,000 $259,525 $4,534 3.20%
CHICAGO-NAPERVILLE-EVANSTON, IL 926 $221,410,000 $239,104 $5,615 3.22%
SEATTLE-BELLEVUE-KENT, WA 548 $195,980,000 $357,628 $5,305 3.14%
LAS VEGAS-HENDERSON-PARADISE, NV 581 $169,285,000 $291,368 $4,899 3.28%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 402 $124,880,000 $310,647 $3,276 3.01%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 391 $116,335,000 $297,532 $4,016 3.15%
SPOKANE-SPOKANE VALLEY, WA 408 $99,800,000 $244,608 $4,640 3.10%
PROVO-OREM, UT 320 $98,430,000 $307,594 $3,713 3.09%
WICHITA, KS 566 $90,340,000 $159,611 $4,651 3.22%
DALLAS-PLANO-IRVING, TX 342 $89,340,000 $261,228 $5,723 3.28%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 387 $88,015,000 $227,429 $6,931 3.23%
TACOMA-LAKEWOOD, WA 271 $87,785,000 $323,930 $5,006 3.14%
ST. LOUIS, MO-IL 370 $74,990,000 $202,676 $3,471 3.14%
MILWAUKEE-WAUKESHA, WI 367 $71,675,000 $195,300 $3,570 3.18%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 197 $65,055,000 $330,228 $4,131 3.05%
MANCHESTER-NASHUA, NH 208 $53,400,000 $256,731 $4,616 3.18%
COLORADO SPRINGS, CO 181 $52,125,000 $287,983 $3,591 3.35%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 143 $41,195,000 $288,077 $5,299 2.98%
LOS ANGELES-LONG BEACH-GLENDALE, CA 79 $38,725,000 $490,190 $4,079 3.19%
KILLEEN-TEMPLE, TX 209 $38,095,000 $182,273 $5,131 3.17%
GARY, IN 202 $35,020,000 $173,366 $3,540 3.21%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 142 $34,490,000 $242,887 $4,047 3.22%
BANGOR, ME 183 $33,605,000 $183,634 $4,446 3.03%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 174 $32,960,000 $189,425 $5,840 3.25%
GREELEY, CO 100 $32,780,000 $327,800 $5,438 3.18%
BIRMINGHAM-HOOVER, AL 169 $31,825,000 $188,314 $5,645 3.41%
BELLINGHAM, WA 103 $31,605,000 $306,845 $3,272 2.92%
KOKOMO, IN 186 $30,750,000 $165,323 $3,492 3.29%
SALT LAKE CITY, UT 94 $29,490,000 $313,723 $3,946 3.03%
PORTLAND-SOUTH PORTLAND, ME 97 $24,845,000 $256,134 $4,397 3.23%
OLYMPIA-LACEY-TUMWATER, WA 89 $24,175,000 $271,629 $4,720 3.04%
EAU CLAIRE, WI 157 $23,735,000 $151,178 $3,185 3.01%
ANAHEIM-SANTA ANA-IRVINE, CA 44 $22,990,000 $522,500 $4,172 2.98%
ELGIN, IL 117 $22,525,000 $192,521 $6,344 3.15%
MANHATTAN, KS 111 $22,495,000 $202,658 $4,064 3.03%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 91 $22,255,000 $244,560 $6,775 3.18%
PEORIA, IL 168 $20,620,000 $122,738 $3,388 2.76%
OKLAHOMA CITY, OK 72 $17,920,000 $248,889 $4,246 2.66%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 63 $17,655,000 $280,238 $5,439 3.22%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 48 $17,010,000 $354,375 $3,838 3.15%
BOULDER, CO 43 $16,895,000 $392,907 $4,634 3.35%
SAN ANTONIO-NEW BRAUNFELS, TX 57 $15,895,000 $278,860 $7,250 3.17%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 52 $15,230,000 $292,885 $5,899 3.34%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 46 $15,180,000 $330,000 $5,250 2.95%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 41 $15,175,000 $370,122 $6,449 2.93%
ST. CLOUD, MN 73 $14,075,000 $192,808 $3,452 3.07%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 47 $13,725,000 $292,021 $5,364 3.02%
INDIANAPOLIS-CARMEL-ANDERSON, IN 76 $13,380,000 $176,053 $3,734 3.81%
SPRINGFIELD, IL 83 $12,705,000 $153,072 $4,036 3.35%
OGDEN-CLEARFIELD, UT 40 $12,570,000 $314,250 $4,001 2.93%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 31 $12,495,000 $403,065 $6,677 3.07%
COEUR D'ALENE, ID 42 $12,250,000 $291,667 $4,984 3.10%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 29 $12,065,000 $416,034 $4,678 2.93%
CLEVELAND-ELYRIA, OH 67 $11,455,000 $170,970 $5,045 3.17%
FORT COLLINS, CO 28 $10,580,000 $377,857 $5,180 3.16%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 47 $10,055,000 $213,936 $2,817 3.14%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 31 $9,885,000 $318,871 $5,124 2.94%
MOUNT VERNON-ANACORTES, WA 33 $9,655,000 $292,576 $4,455 2.91%
ORLANDO-KISSIMMEE-SANFORD, FL 33 $9,435,000 $285,909 $5,384 2.99%
RALEIGH-CARY, NC 40 $9,080,000 $227,000 $4,531 3.03%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 22 $8,500,000 $386,364 $6,532 3.11%
MIAMI-MIAMI BEACH-KENDALL, FL 24 $8,430,000 $351,250 $5,841 3.02%
LAREDO, TX 40 $7,030,000 $175,750 $7,650 3.64%
BOSTON, MA 19 $6,975,000 $367,105 $4,716 2.89%
BROWNSVILLE-HARLINGEN, TX 46 $6,730,000 $146,304 $6,358 3.19%
MCALLEN-EDINBURG-MISSION, TX 41 $6,695,000 $163,293 $6,980 3.59%
PHILADELPHIA, PA 30 $6,550,000 $218,333 $5,301 3.68%
KANKAKEE, IL 40 $6,510,000 $162,750 $4,478 3.27%
DULUTH, MN-WI 29 $6,435,000 $221,897 $4,168 3.13%
TUCSON, AZ 30 $5,980,000 $199,333 $4,884 2.94%
RACINE, WI 26 $5,690,000 $218,846 $3,910 3.05%
SAN ANGELO, TX 31 $5,675,000 $183,065 $4,634 3.56%
NORTH PORT-SARASOTA-BRADENTON, FL 21 $5,605,000 $266,905 $5,438 2.82%
ST. GEORGE, UT 19 $5,595,000 $294,474 $3,299 3.09%
OXNARD-THOUSAND OAKS-VENTURA, CA 13 $5,345,000 $411,154 $3,174 3.46%
AKRON, OH 27 $5,335,000 $197,593 $4,709 3.08%
TOPEKA, KS 30 $5,260,000 $175,333 $3,872 3.11%
JACKSONVILLE, FL 18 $4,500,000 $250,000 $4,799 2.76%
ROCHESTER, MN 20 $4,480,000 $224,000 $3,775 2.90%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 12 $4,370,000 $364,167 $4,491 2.90%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 6 $4,350,000 $725,000 $3,856 3.23%
VICTORIA, TX 24 $4,210,000 $175,417 $6,155 3.51%
EVANSVILLE, IN-KY 30 $4,020,000 $134,000 $3,053 3.22%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 18 $3,820,000 $212,222 $7,284 3.48%
LEWISTON-AUBURN, ME 21 $3,805,000 $181,190 $4,907 3.58%
FORT SMITH, AR-OK 23 $3,725,000 $161,957 $3,941 3.29%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 15 $3,675,000 $245,000 $4,216 2.90%
FLAGSTAFF, AZ 14 $3,620,000 $258,571 $2,826 2.96%
SPRINGFIELD, MO 20 $3,410,000 $170,500 $5,117 3.23%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 10 $3,380,000 $338,000 $4,149 3.09%
OAKLAND-BERKELEY-LIVERMORE, CA 6 $3,330,000 $555,000 $3,377 2.96%
CAPE CORAL-FORT MYERS, FL 14 $3,230,000 $230,714 $4,402 3.12%
PENSACOLA-FERRY PASS-BRENT, FL 14 $3,150,000 $225,000 $4,969 3.08%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 13 $3,095,000 $238,077 $4,258 3.06%
WILMINGTON, DE-MD-NJ 11 $2,855,000 $259,545 $4,748 2.91%
LAWRENCE, KS 16 $2,830,000 $176,875 $3,354 3.48%
WARREN-TROY-FARMINGTON HILLS, MI 10 $2,740,000 $274,000 $2,701 3.11%
TUSCALOOSA, AL 19 $2,675,000 $140,789 $5,415 3.56%
WORCESTER, MA-CT 9 $2,645,000 $293,889 $4,092 2.65%
GRAND RAPIDS-KENTWOOD, MI 8 $2,480,000 $310,000 $3,425 3.06%
NAPLES-MARCO ISLAND, FL 11 $2,415,000 $219,545 $4,556 3.09%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 11 $2,385,000 $216,818 $5,828 2.94%
MADISON, WI 11 $2,365,000 $215,000 $3,530 2.84%
ST. JOSEPH, MO-KS 15 $2,325,000 $155,000 $3,781 3.32%
WENATCHEE, WA 6 $2,230,000 $371,667 $4,706 3.21%
ANN ARBOR, MI 8 $2,210,000 $276,250 $3,323 2.91%
CHATTANOOGA, TN-GA 10 $2,140,000 $214,000 $4,666 2.84%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 5 $2,045,000 $409,000 $2,312 3.26%
KENNEWICK-RICHLAND, WA 8 $2,030,000 $253,750 $5,277 2.64%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 6 $2,020,000 $336,667 $5,740 3.17%
NEWARK, NJ-PA 7 $1,975,000 $282,143 $4,617 3.11%
MANKATO, MN 10 $1,960,000 $196,000 $2,939 2.94%
DURHAM-CHAPEL HILL, NC 9 $1,885,000 $209,444 $5,124 3.12%
CORPUS CHRISTI, TX 7 $1,855,000 $265,000 $7,291 3.34%
LONGVIEW, WA 7 $1,835,000 $262,143 $3,493 2.70%
ODESSA, TX 7 $1,725,000 $246,429 $6,889 3.34%
PUEBLO, CO 8 $1,710,000 $213,750 $4,065 2.91%
KNOXVILLE, TN 6 $1,680,000 $280,000 $7,626 3.08%
PRESCOTT VALLEY-PRESCOTT, AZ 7 $1,665,000 $237,857 $5,355 3.55%
PORT ST. LUCIE, FL 6 $1,660,000 $276,667 $4,706 2.85%
FAYETTEVILLE, NC 10 $1,650,000 $165,000 $4,507 3.01%
LOGAN, UT-ID 6 $1,600,000 $266,667 $3,805 3.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL 7 $1,575,000 $225,000 $5,805 2.98%
BALTIMORE-COLUMBIA-TOWSON, MD 5 $1,475,000 $295,000 $4,932 2.43%
LAFAYETTE-WEST LAFAYETTE, IN 8 $1,450,000 $181,250 $2,379 3.30%
SHERMAN-DENISON, TX 6 $1,440,000 $240,000 $5,237 3.06%
JANESVILLE-BELOIT, WI 9 $1,405,000 $156,111 $4,035 3.56%
CANTON-MASSILLON, OH 9 $1,395,000 $155,000 $5,105 3.01%
YAKIMA, WA 5 $1,385,000 $277,000 $3,590 3.03%
LONGVIEW, TX 6 $1,360,000 $226,667 $7,192 3.46%
WALLA WALLA, WA 5 $1,355,000 $271,000 $5,858 3.13%
PUNTA GORDA, FL 6 $1,350,000 $225,000 $3,650 3.19%
PROVIDENCE-WARWICK, RI-MA 5 $1,335,000 $267,000 $7,411 2.68%
SPRINGFIELD, MA 5 $1,325,000 $265,000 $7,352 2.85%
LAKELAND-WINTER HAVEN, FL 7 $1,325,000 $189,286 $5,308 3.29%
BEAUMONT-PORT ARTHUR, TX 9 $1,295,000 $143,889 $5,814 3.21%
FLORENCE-MUSCLE SHOALS, AL 13 $1,265,000 $97,308 $4,502 3.72%
BARNSTABLE TOWN, MA 5 $1,255,000 $251,000 $3,013 3.00%
ROCKFORD, IL 8 $1,220,000 $152,500 $5,441 3.22%
LUBBOCK, TX 6 $1,210,000 $201,667 $6,875 3.21%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 4 $1,180,000 $295,000 $5,255 3.19%
MIDLAND, MI 6 $1,170,000 $195,000 $2,982 2.87%
IOWA CITY, IA 4 $1,160,000 $290,000 $1,861 2.87%
STOCKTON, CA 3 $1,155,000 $385,000 $3,069 2.71%
NILES, MI 3 $1,145,000 $381,667 $2,367 2.71%
FOND DU LAC, WI 6 $1,110,000 $185,000 $3,522 2.94%
SAVANNAH, GA 4 $1,110,000 $277,500 $3,046 2.93%
YUMA, AZ 4 $1,110,000 $277,500 $6,030 2.63%
GAINESVILLE, FL 5 $1,095,000 $219,000 $5,846 2.93%
MIDLAND, TX 5 $1,055,000 $211,000 $6,398 3.55%
SOUTH BEND-MISHAWAKA, IN-MI 6 $1,040,000 $173,333 $2,649 3.00%
FRESNO, CA 4 $1,040,000 $260,000 $5,058 3.19%
CARBONDALE-MARION, IL 6 $1,030,000 $171,667 $4,004 3.23%
OCALA, FL 4 $1,020,000 $255,000 $7,290 2.75%
RENO, NV 4 $1,020,000 $255,000 $4,662 3.12%
LEXINGTON-FAYETTE, KY 6 $1,010,000 $168,333 $3,442 3.31%
COLUMBUS, OH 5 $995,000 $199,000 $6,373 3.18%
DETROIT-DEARBORN-LIVONIA, MI 4 $990,000 $247,500 $2,879 3.28%
WILMINGTON, NC 3 $985,000 $328,333 $6,523 2.88%
WACO, TX 3 $975,000 $325,000 $7,554 2.83%
SHEBOYGAN, WI 5 $945,000 $189,000 $4,217 3.33%
GREENVILLE-ANDERSON, SC 5 $935,000 $187,000 $6,729 3.10%
SIERRA VISTA-DOUGLAS, AZ 5 $895,000 $179,000 $6,752 3.10%
PITTSBURGH, PA 4 $880,000 $220,000 $5,729 3.72%
TULSA, OK 5 $865,000 $173,000 $5,507 3.23%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 5 $855,000 $171,000 $4,615 2.94%
READING, PA 3 $845,000 $281,667 $5,484 3.08%
MICHIGAN CITY-LA PORTE, IN 3 $845,000 $281,667 $5,947 3.63%
TYLER, TX 4 $820,000 $205,000 $5,137 3.47%
EL PASO, TX 4 $820,000 $205,000 $5,223 3.22%
BOISE CITY, ID 3 $815,000 $271,667 $4,747 3.37%
FLINT, MI 5 $795,000 $159,000 $2,756 3.22%
ELKHART-GOSHEN, IN 2 $780,000 $390,000 $1,595 2.87%
OCEAN CITY, NJ 2 $770,000 $385,000 $5,068 2.81%
CHAMPAIGN-URBANA, IL 4 $770,000 $192,500 $2,279 2.94%
DECATUR, IL 7 $755,000 $107,857 $4,386 3.46%
RICHMOND, VA 2 $740,000 $370,000 $3,950 2.75%
SIOUX FALLS, SD 2 $740,000 $370,000 $2,638 3.31%
LA CROSSE-ONALASKA, WI-MN 4 $740,000 $185,000 $2,641 3.63%
VALLEJO, CA 2 $730,000 $365,000 $4,611 2.75%
ALBUQUERQUE, NM 3 $715,000 $238,333 $5,409 3.18%
COLLEGE STATION-BRYAN, TX 3 $715,000 $238,333 $6,734 3.25%
BLOOMINGTON, IL 4 $710,000 $177,500 $3,556 3.25%
JEFFERSON CITY, MO 6 $690,000 $115,000 $4,213 2.94%
DAPHNE-FAIRHOPE-FOLEY, AL 3 $675,000 $225,000 $5,839 3.29%
DAYTON-KETTERING, OH 3 $655,000 $218,333 $1,566 2.67%
NEW BRUNSWICK-LAKEWOOD, NJ 2 $650,000 $325,000 $3,134 3.00%
HUNTSVILLE, AL 3 $645,000 $215,000 $5,330 3.21%
BAKERSFIELD, CA 3 $635,000 $211,667 $2,735 2.67%
DES MOINES-WEST DES MOINES, IA 4 $630,000 $157,500 $1,955 2.66%
ASHEVILLE, NC 3 $615,000 $205,000 $5,731 3.38%
ABILENE, TX 3 $595,000 $198,333 $5,721 4.08%
GREEN BAY, WI 2 $590,000 $295,000 $2,541 3.50%
TALLAHASSEE, FL 4 $580,000 $145,000 $2,954 3.25%
GAINESVILLE, GA 2 $580,000 $290,000 $6,272 3.00%
NAPA, CA 1 $565,000 $565,000 $15,874 3.13%
ATHENS-CLARKE COUNTY, GA 2 $550,000 $275,000 $3,300 3.12%
LAKE HAVASU CITY-KINGMAN, AZ 3 $525,000 $175,000 $4,455 2.88%
MUSKEGON, MI 3 $525,000 $175,000 $3,091 2.83%
HICKORY-LENOIR-MORGANTON, NC 1 $515,000 $515,000 $3,881 3.00%
JOPLIN, MO 2 $510,000 $255,000 $7,670 3.88%
CAMDEN, NJ 2 $500,000 $250,000 $3,988 2.69%
AUGUSTA-RICHMOND COUNTY, GA-SC 2 $500,000 $250,000 $2,068 3.13%
FARGO, ND-MN 2 $480,000 $240,000 $6,096 2.81%
GREENSBORO-HIGH POINT, NC 3 $475,000 $158,333 $5,197 3.00%
MEMPHIS, TN-MS-AR 3 $465,000 $155,000 $6,159 3.25%
APPLETON, WI 3 $465,000 $155,000 $4,486 2.91%
SEBASTIAN-VERO BEACH, FL 2 $450,000 $225,000 $7,430 2.19%
KINGSPORT-BRISTOL, TN-VA 2 $440,000 $220,000 $3,425 2.88%
ELIZABETHTOWN-FORT KNOX, KY 2 $440,000 $220,000 $4,006 3.31%
MERCED, CA 1 $435,000 $435,000 $8,956 2.25%
NORWICH-NEW LONDON, CT 2 $420,000 $210,000 $2,979 3.31%
SALEM, OR 2 $420,000 $210,000 $3,919 2.94%
SALINAS, CA 1 $415,000 $415,000 $11,320 4.13%
EL CENTRO, CA 2 $410,000 $205,000 $5,052 3.06%
CHICO, CA 1 $405,000 $405,000 $3,446 3.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 3 $405,000 $135,000 $3,111 2.79%
REDDING, CA 1 $405,000 $405,000 $6,761 2.50%
SAN RAFAEL, CA 1 $395,000 $395,000 $2,539 2.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 3 $395,000 $131,667 $3,821 3.13%
SALISBURY, MD-DE 2 $380,000 $190,000 $3,532 3.19%
COLUMBIA, SC 2 $370,000 $185,000 $2,744 3.00%
OWENSBORO, KY 2 $370,000 $185,000 $6,845 4.50%
BURLINGTON, NC 2 $370,000 $185,000 $3,550 3.06%
BRUNSWICK, GA 1 $365,000 $365,000 $5,523 2.75%
HARRISBURG-CARLISLE, PA 2 $360,000 $180,000 $3,491 2.75%
WAUSAU-WESTON, WI 2 $360,000 $180,000 $3,593 3.75%
CLARKSVILLE, TN-KY 3 $355,000 $118,333 $4,445 3.17%
JACKSONVILLE, NC 1 $355,000 $355,000 $9,323 3.25%
WARNER ROBINS, GA 1 $355,000 $355,000 $2,408 2.25%
ATLANTIC CITY-HAMMONTON, NJ 1 $355,000 $355,000 $3,649 2.88%
SHREVEPORT-BOSSIER CITY, LA 2 $340,000 $170,000 $5,948 3.94%
AMARILLO, TX 1 $335,000 $335,000 $10,687 3.63%
LAFAYETTE, LA 2 $330,000 $165,000 $7,157 2.56%
LINCOLN, NE 1 $325,000 $325,000 $4,272 3.00%
ERIE, PA 1 $325,000 $325,000 $5,393 2.75%
MONTGOMERY, AL 2 $310,000 $155,000 $4,502 2.94%
BLOOMINGTON, IN 1 $305,000 $305,000 $14,266 3.00%
SAN LUIS OBISPO-PASO ROBLES, CA 1 $305,000 $305,000 $1,506 2.63%
VISALIA, CA 1 $305,000 $305,000 $388 3.50%
GRAND JUNCTION, CO 1 $295,000 $295,000 $3,523 2.88%
COLUMBIA, MO 2 $290,000 $145,000 $1,436 3.00%
BATON ROUGE, LA 2 $290,000 $145,000 $4,658 3.38%
CHARLESTON-NORTH CHARLESTON, SC 1 $285,000 $285,000 $2,626 3.75%
PANAMA CITY, FL 1 $265,000 $265,000 $5,991 2.75%
CLEVELAND, TN 1 $265,000 $265,000 $4,837 3.50%
WINSTON-SALEM, NC 2 $260,000 $130,000 $5,233 3.00%
HOMOSASSA SPRINGS, FL 1 $245,000 $245,000 $1,678 3.25%
GRAND FORKS, ND-MN 1 $245,000 $245,000 $3,057 3.00%
HANFORD-CORCORAN, CA 1 $245,000 $245,000 $11,046 3.25%
GULFPORT-BILOXI, MS 1 $245,000 $245,000 $209 3.50%
MACON-BIBB COUNTY, GA 1 $235,000 $235,000 $3,335 2.63%
PITTSFIELD, MA 1 $235,000 $235,000 $3,736 2.25%
BISMARCK, ND 1 $235,000 $235,000 $9,684 3.50%
SIOUX CITY, IA-NE-SD 1 $215,000 $215,000 $2,041 3.25%
IDAHO FALLS, ID 1 $205,000 $205,000 $7,913 2.75%
CUMBERLAND, MD-WV 1 $205,000 $205,000 $1,567 2.63%
ROANOKE, VA 1 $205,000 $205,000 $1,564 3.25%
SANTA ROSA-PETALUMA, CA 1 $205,000 $205,000 $5,010 2.63%
TERRE HAUTE, IN 2 $200,000 $100,000 $2,891 3.81%
SEBRING-AVON PARK, FL 1 $195,000 $195,000 $6,266 3.13%
LANCASTER, PA 1 $185,000 $185,000 $4,732 3.50%
HUNTINGTON-ASHLAND, WV-KY-OH 1 $185,000 $185,000 $2,992 2.75%
CINCINNATI, OH-KY-IN 1 $185,000 $185,000 $4,722 2.75%
BEND, OR 1 $185,000 $185,000 $7,618 3.75%
FORT WAYNE, IN 1 $175,000 $175,000 $2,628 3.38%
MOBILE, AL 1 $175,000 $175,000 $2,020 2.50%
DECATUR, AL 2 $170,000 $85,000 $4,139 3.38%
ROCKY MOUNT, NC 2 $170,000 $85,000 $5,301 3.88%
JACKSON, MI 1 $165,000 $165,000 $3,297 2.99%
LANSING-EAST LANSING, MI 1 $155,000 $155,000 $3,067 2.88%
GREENVILLE, NC 1 $155,000 $155,000 $4,788 3.13%
DANVILLE, IL 1 $145,000 $145,000 $1,073 2.75%
SAGINAW, MI 1 $145,000 $145,000 $2,467 2.75%
GOLDSBORO, NC 1 $145,000 $145,000 $8,003 3.50%
Outside of Metro Areas 1 $145,000 $145,000 $2,697 4.88%
ENID, OK 1 $145,000 $145,000 $2,423 2.88%
COLUMBUS, IN 1 $135,000 $135,000 $2,710 4.00%
OSHKOSH-NEENAH, WI 1 $135,000 $135,000 $2,443 2.80%
BATTLE CREEK, MI 1 $125,000 $125,000 $3,915 2.85%
CORVALLIS, OR 1 $115,000 $115,000 $3,477 3.13%
CAPE GIRARDEAU, MO-IL 1 $115,000 $115,000 $2,718 3.15%
BLACKSBURG-CHRISTIANSBURG, VA 1 $115,000 $115,000 $2,612 2.88%
BAY CITY, MI 1 $105,000 $105,000 $2,385 2.63%
TEXARKANA, TX-AR 1 $105,000 $105,000 $3,788 2.88%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 1 $85,000 $85,000 $1,933 3.50%
SPRINGFIELD, OH 1 $55,000 $55,000 $3,224 3.15%

Leaderone Financial Corporation's top markets include Minneapolis, Kansas City, Denver, Phoenix, and Chicago among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 9,650 $2,380,630,000 $246,697
2.5-3% 8,953 $2,376,825,000 $265,478
<2.5% 1,621 $370,795,000 $228,745
4-5% 1,102 $225,130,000 $204,292
5-6% 152 $24,650,000 $162,171
7-8% 17 $95,000 $5,588
6-7% 4 $630,000 $157,500

During 2020, Leaderone Financial Corporation's average interest rate was 3.20%, while their most frequently originated rate bucket was 3-4%, with 9,650 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 10,741 $3,016,085,000 $280,801 $4,726 3.14%
$100k-200k 6,675 $1,033,425,000 $154,820 $4,096 3.25%
$400k-600k 2,257 $1,051,055,000 $465,687 $4,756 3.06%
$100,000 or less 1,598 $95,740,000 $59,912 $2,611 2.86%
$600k-1MM 200 $145,900,000 $729,500 $6,087 3.15%
$1MM+ 28 $36,550,000 $1,305,357 $7,825 2.97%

2020 saw Leaderone Financial Corporation place emphasis on $200k-400k loans with 10,741 originations, totaling $3,016,085,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 5,300 $1,077,850,000 $203,368 $4,650 3.16%
$100k-150k 4,397 $1,285,465,000 $292,350 $4,394 3.19%
$75k-100k 3,956 $976,200,000 $246,764 $4,555 3.19%
$50k or less 3,342 $470,530,000 $140,793 $4,321 3.14%
$150k-250k 2,596 $894,450,000 $344,549 $4,032 3.16%
$250k+ 899 $382,415,000 $425,378 $3,982 3.15%

Leaderone Financial Corporation lent most frequently to those with incomes in the $50k-75k range, with 5,300 originations. The second most popular income band? $100k-150k, with 4,397 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 4,484 $1,151,090,000 $256,711 $3,665 3.11%
30-36% 3,840 $954,930,000 $248,680 $4,081 3.14%
<20% 1,554 $397,120,000 $255,547 $3,252 3.04%
50-60% 1,004 $224,950,000 $224,054 $7,356 3.27%
44% 950 $233,850,000 $246,158 $4,898 3.28%
43% 842 $199,260,000 $236,651 $4,649 3.19%
42% 819 $200,065,000 $244,280 $4,811 3.22%
41% 784 $193,360,000 $246,633 $4,575 3.20%
39% 756 $186,870,000 $247,183 $4,771 3.20%
40% 750 $180,060,000 $240,080 $4,393 3.24%
37% 733 $180,885,000 $246,774 $4,272 3.15%
38% 728 $183,700,000 $252,335 $4,387 3.14%
36% 703 $181,185,000 $257,731 $4,338 3.20%
49% 613 $152,425,000 $248,654 $5,409 3.28%
45% 574 $145,360,000 $253,240 $4,820 3.15%
46% 526 $124,880,000 $237,414 $5,156 3.31%
47% 516 $125,590,000 $243,391 $5,343 3.17%
48% 461 $115,175,000 $249,837 $5,252 3.25%
>60% 14 $4,400,000 $314,286 $9,260 3.25%

Leaderone Financial Corporation lent most frequently to those with DTI ratios of 20-30%, with 4,484 originations. The next most common DTI ratio? 30-36%, with 3,840 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 18,177 $4,578,985,000 $251,911 $4,288 3.14%
Not provided 1,329 $339,145,000 $255,188 $4,680 3.10%
Black 1,228 $255,180,000 $207,801 $5,591 3.26%
Asian 566 $154,430,000 $272,845 $4,380 3.12%
American Indian 96 $22,190,000 $231,146 $5,097 3.13%
Native Hawaiian 71 $19,875,000 $279,930 $5,462 3.35%
Asian Indian 16 $4,930,000 $308,125 $3,772 2.77%
Other Asian 9 $2,305,000 $256,111 $3,753 3.14%
Chinese 3 $725,000 $241,667 $3,713 3.41%
Korean 3 $655,000 $218,333 $4,088 3.17%
Filipino 1 $335,000 $335,000 $8,221 2.25%

Approval Rates

Total approvals of all applications
89.58%

Leaderone Financial Corporation has an average approval rate.

Pick Rate

Approvals leading to origination
70.75%

Leaderone Financial Corporation has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
0.0 32 $170,000 $5,313
NA 21,467 $5,378,585,000 $250,551

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 149 $28,475,000 $191,107
Single Family (1-4 Units):Site-Built 21,350 $5,350,280,000 $250,599

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 551 $103,495,000 $187,831 $3,088 2.97%
40-60% 2,352 $589,430,000 $250,608 $3,112 3.00%
60-80% 7,164 $1,980,390,000 $276,436 $3,647 3.18%
80-100% 10,628 $2,599,780,000 $244,616 $5,264 3.25%
Over 100% 276 $77,210,000 $279,746 $10,303 3.15%
Under 20% 459 $8,625,000 $18,791 $281 1.38%