Leaderone Financial Corporation Mortgage Rates, Fees & Info

TOPEKA, KS

LEI: 5493000NYUJT9UC6G261

Tax ID: 48-1148159

5 stars - Updated: 4/5/25 - out of 5 stars, based on 68 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Leaderone Financial Corporation is a small mortgage company specializing in Home Purchase 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 by origination volume include: Kansas City, Chicago, St. Louis, Merced, and Boston among others. We have data for 316 markets. (Some data included below & more in-depth data is available with an active subscription.)

Leaderone Financial Corporation 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. Leaderone Financial Corporation 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 6.87% 4/5/25
30 Year Conventional Refi 7.00% 4/5/25
30 Year Cash-out Refi 7.51% 4/5/25
30 Year FHA Purchase 7.57% 4/5/25
30 Year FHA Refi 7.33% 4/5/25
30 Year VA Purchase 6.87% 4/5/25
30 Year VA Refi 6.26% 4/5/25
30 Year USDA Purchase 7.28% 4/5/25
30 Year USDA Refi 7.34% 4/5/25
15 Year Conventional Purchase 5.69% 4/5/25
15 Year Conventional Refi 6.20% 4/5/25
15 Year Cash-out Refi 6.20% 4/5/25
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.

Leaderone Financial Corporation Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Leaderone Financial Corporation. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

4,570

Origination Dollar Volume (All Markets)

$1,321,470,000
Show all (12) awards

Relative Rate

Leaderone Financial Corporation's average 30 year fixed mortgage rate was 6.66%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.11%.

Relative Fees (Closing Costs)

Leaderone Financial Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $7,998.

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 $8,356.

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
KANSAS CITY, MO-KS (FHA|USDA|VA) 740 $183,320,000 $247,730 $6,292 6.19%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 434 $142,570,000 $328,502 $7,423 6.77%
ST. LOUIS, MO-IL (FHA|USDA|VA) 315 $72,925,000 $231,508 $6,694 6.35%
Outside of Metro Areas 258 $56,200,000 $217,829 $6,685 6.73%
MERCED, CA (FHA|USDA|VA) 121 $40,795,000 $337,149 $11,345 6.11%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 62 $32,500,000 $524,194 $6,814 6.70%
BANGOR, ME (FHA|USDA|VA) 117 $31,845,000 $272,179 $6,464 6.97%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 71 $31,225,000 $439,789 $9,900 6.32%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 125 $30,235,000 $241,880 $9,636 6.59%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 102 $28,320,000 $277,647 $7,413 5.77%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 57 $23,455,000 $411,491 $6,872 7.05%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 35 $22,885,000 $653,857 $15,914 6.62%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 114 $22,290,000 $195,526 $7,064 5.95%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 41 $20,155,000 $491,585 $12,561 6.84%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 55 $17,245,000 $313,545 $9,028 6.26%
BEND, OR (FHA|USDA|VA) 32 $17,160,000 $536,250 $7,009 7.20%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 61 $16,375,000 $268,443 $5,959 6.35%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 19 $16,305,000 $858,158 $8,132 7.14%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 35 $15,645,000 $447,000 $7,535 6.98%
COLORADO SPRINGS, CO (FHA|USDA|VA) 41 $15,515,000 $378,415 $7,583 6.69%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 46 $14,330,000 $311,522 $8,341 6.82%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 58 $13,220,000 $227,931 $7,973 6.63%
WICHITA, KS (FHA|USDA|VA) 49 $11,405,000 $232,755 $9,060 6.55%
TOPEKA, KS (FHA|USDA|VA) 59 $11,285,000 $191,271 $7,145 6.72%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 39 $10,655,000 $273,205 $9,023 5.29%
LAREDO, TX (FHA|USDA|VA) 41 $9,465,000 $230,854 $11,206 6.81%
BELLINGHAM, WA (FHA|USDA|VA) 18 $9,350,000 $519,444 $5,810 7.08%
PEORIA, IL (FHA|USDA|VA) 78 $9,310,000 $119,359 $4,471 5.50%
MUSKEGON, MI (FHA|USDA|VA) 51 $9,305,000 $182,451 $6,135 6.77%
OCALA, FL (FHA|USDA|VA) 32 $9,260,000 $289,375 $5,323 6.09%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 19 $8,815,000 $463,947 $10,182 6.87%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 19 $8,785,000 $462,368 $7,631 6.70%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 27 $8,695,000 $322,037 $11,754 6.83%
WORCESTER, MA-CT (FHA|USDA|VA) 21 $8,585,000 $408,810 $7,367 6.59%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 9 $7,915,000 $879,444 $10,078 7.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 20 $7,050,000 $352,500 $9,203 7.09%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 11 $6,975,000 $634,091 $19,452 5.94%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 20 $6,950,000 $347,500 $10,918 5.60%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 15 $6,645,000 $443,000 $8,704 6.91%
GAINESVILLE, FL (FHA|USDA|VA) 24 $6,580,000 $274,167 $7,790 6.85%
MODESTO, CA (FHA|USDA|VA) 19 $6,265,000 $329,737 $11,790 5.90%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 12 $6,150,000 $512,500 $8,004 6.43%
LOUISVILLE, KY (FHA|USDA|VA) 37 $5,505,000 $148,784 $4,764 5.79%
Pahrump, NV (FHA|USDA|VA) 21 $5,465,000 $260,238 $7,977 6.95%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $4,985,000 $712,143 $8,350 7.18%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 13 $4,685,000 $360,385 $8,941 6.31%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 10 $4,570,000 $457,000 $5,200 6.86%
CLEVELAND, TN (FHA|USDA|VA) 18 $4,510,000 $250,556 $9,925 6.52%
MADERA, CA (FHA|USDA|VA) 11 $4,465,000 $405,909 $12,261 6.47%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 21 $4,435,000 $211,190 $9,387 6.73%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 11 $4,425,000 $402,273 $13,350 6.78%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 10 $4,360,000 $436,000 $13,729 6.81%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 9 $4,095,000 $455,000 $14,281 6.44%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 14 $3,720,000 $265,714 $5,877 6.86%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $3,685,000 $335,000 $8,065 6.95%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 17 $3,655,000 $215,000 $6,951 6.27%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 6 $3,650,000 $608,333 $12,225 6.25%
TUCSON, AZ (FHA|USDA|VA) 12 $3,640,000 $303,333 $8,633 6.73%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 25 $3,625,000 $145,000 $4,015 5.79%
Fort Leonard Wood, MO (FHA|USDA|VA) 12 $3,460,000 $288,333 $10,726 6.40%
SPRINGFIELD, IL (FHA|USDA|VA) 21 $3,355,000 $159,762 $6,141 7.33%
Augusta-Waterville, ME (FHA|USDA|VA) 11 $3,315,000 $301,364 $9,331 6.80%
MANHATTAN, KS (FHA|USDA|VA) 14 $3,230,000 $230,714 $5,475 7.00%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 9 $3,165,000 $351,667 $8,028 6.93%
PUNTA GORDA, FL (FHA|USDA|VA) 11 $3,125,000 $284,091 $7,017 5.77%
DAYTON-KETTERING, OH (FHA|USDA|VA) 15 $3,125,000 $208,333 $8,010 6.85%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 11 $3,055,000 $277,727 $8,442 6.62%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 13 $3,025,000 $232,692 $4,740 7.14%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 9 $2,975,000 $330,556 $11,758 6.55%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 9 $2,955,000 $328,333 $6,100 6.94%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 8 $2,840,000 $355,000 $10,432 6.50%
DALTON, GA (FHA|USDA|VA) 15 $2,785,000 $185,667 $8,179 6.98%
JACKSONVILLE, FL (FHA|USDA|VA) 9 $2,725,000 $302,778 $8,581 7.01%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $2,690,000 $672,500 $16,138 6.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $2,660,000 $443,333 $9,490 6.58%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $2,630,000 $328,750 $9,262 6.00%
SALINAS, CA (FHA|USDA|VA) 4 $2,430,000 $607,500 $16,982 6.68%
WAUSAU-WESTON, WI (FHA|USDA|VA) 16 $2,400,000 $150,000 $3,745 6.72%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $2,390,000 $1,195,000 $38,895 6.00%
SPRINGFIELD, MA (FHA|USDA|VA) 8 $2,370,000 $296,250 $7,544 6.18%
Columbus, MS (FHA|USDA|VA) 10 $2,350,000 $235,000 $7,945 6.94%
BOULDER, CO (FHA|USDA|VA) 3 $2,345,000 $781,667 $24,586 6.67%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $2,335,000 $259,444 $7,995 6.23%
JOHNSON CITY, TN (FHA|USDA|VA) 10 $2,310,000 $231,000 $8,380 6.56%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 7 $2,295,000 $327,857 $10,237 6.41%
KNOXVILLE, TN (FHA|USDA|VA) 10 $2,260,000 $226,000 $7,575 7.11%
Ottawa, KS (FHA|USDA|VA) 8 $2,180,000 $272,500 $6,913 6.86%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $2,155,000 $718,333 $11,970 7.21%
Rio Grande City-Roma, TX (FHA|USDA|VA) 8 $2,110,000 $263,750 $11,452 7.22%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 6 $2,090,000 $348,333 $9,411 7.23%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $2,075,000 $415,000 $8,990 6.82%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 5 $2,075,000 $415,000 $7,767 5.67%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $2,040,000 $340,000 $12,479 6.56%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $1,825,000 $260,714 $8,067 6.71%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 6 $1,810,000 $301,667 $15,662 7.08%
COLUMBIA, SC (FHA|USDA|VA) 9 $1,795,000 $199,444 $9,484 5.93%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $1,775,000 $253,571 $10,451 6.78%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,760,000 $440,000 $10,931 7.09%
Prineville, OR (FHA|USDA|VA) 4 $1,730,000 $432,500 $10,543 6.28%
OWENSBORO, KY (FHA|USDA|VA) 19 $1,705,000 $89,737 $3,714 5.62%
Aberdeen, WA (FHA|USDA|VA) 6 $1,670,000 $278,333 $10,774 6.50%
Warrensburg, MO (FHA|USDA|VA) 6 $1,650,000 $275,000 $9,525 6.48%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $1,635,000 $545,000 $8,420 6.92%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 6 $1,630,000 $271,667 $6,990 7.17%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,585,000 $528,333 $15,603 7.00%
LAWRENCE, KS (FHA|USDA|VA) 6 $1,530,000 $255,000 $5,127 7.17%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 8 $1,470,000 $183,750 $9,057 6.91%
BRUNSWICK, GA (FHA|USDA|VA) 2 $1,450,000 $725,000 $7,625 7.38%
GREELEY, CO (FHA|USDA|VA) 5 $1,435,000 $287,000 $5,951 7.53%
Okeechobee, FL (FHA|USDA|VA) 7 $1,435,000 $205,000 $8,052 5.69%
Oak Harbor, WA (FHA|USDA|VA) 4 $1,420,000 $355,000 $11,921 6.84%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,410,000 $705,000 $21,083 6.19%
AKRON, OH (FHA|USDA|VA) 6 $1,360,000 $226,667 $9,791 6.46%
WENATCHEE, WA (FHA|USDA|VA) 3 $1,355,000 $451,667 $9,566 6.83%
FRESNO, CA (FHA|USDA|VA) 4 $1,330,000 $332,500 $11,938 6.81%
STOCKTON, CA (FHA|USDA|VA) 2 $1,260,000 $630,000 $15,256 6.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $1,195,000 $398,333 $3,657 6.62%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $1,185,000 $237,000 $10,877 6.45%
ROCKFORD, IL (FHA|USDA|VA) 6 $1,120,000 $186,667 $5,764 7.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $1,105,000 $368,333 $4,588 6.63%
ROME, GA (FHA|USDA|VA) 5 $1,105,000 $221,000 $6,885 6.82%
Plymouth, IN (FHA|USDA|VA) 4 $1,090,000 $272,500 $8,252 6.97%
Summerville, GA (FHA|USDA|VA) 5 $1,075,000 $215,000 $9,659 6.57%
Sonora, CA (FHA|USDA|VA) 3 $1,025,000 $341,667 $7,974 7.17%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,025,000 $341,667 $10,228 7.25%
BOISE CITY, ID (FHA|USDA|VA) 2 $1,020,000 $510,000 $6,936 7.56%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $995,000 $995,000 $13,321 7.50%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $990,000 $247,500 $7,605 6.87%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $985,000 $328,333 $11,543 7.24%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $980,000 $245,000 $4,732 6.81%
AMARILLO, TX (FHA|USDA|VA) 4 $970,000 $242,500 $8,102 7.34%
LANCASTER, PA (FHA|USDA|VA) 3 $955,000 $318,333 $10,368 7.46%
Cullman, AL (FHA|USDA|VA) 4 $950,000 $237,500 $10,816 6.63%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $940,000 $470,000 $23,453 6.44%
Jasper, AL (FHA|USDA|VA) 6 $890,000 $148,333 $5,951 7.60%
Eagle Pass, TX (FHA|USDA|VA) 4 $860,000 $215,000 $8,737 7.16%
NILES, MI (FHA|USDA|VA) 2 $860,000 $430,000 $18,358 7.63%
PITTSBURGH, PA (FHA|USDA|VA) 2 $860,000 $430,000 $10,679 6.50%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $850,000 $212,500 $10,632 6.75%
Centralia, WA (FHA|USDA|VA) 2 $840,000 $420,000 $20,563 6.38%
RACINE, WI (FHA|USDA|VA) 3 $835,000 $278,333 $8,400 7.13%
Edwards, CO (FHA|USDA|VA) 1 $805,000 $805,000 $3,700 6.88%
COLUMBIA, MO (FHA|USDA|VA) 3 $805,000 $268,333 $10,001 6.83%
Scottsburg, IN (FHA|USDA|VA) 4 $770,000 $192,500 $6,537 6.88%
CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $765,000 $255,000 $7,216 6.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $765,000 $255,000 $9,179 7.08%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $755,000 $251,667 $6,455 6.29%
KANKAKEE, IL (FHA|USDA|VA) 3 $745,000 $248,333 $6,414 6.66%
Ellensburg, WA (FHA|USDA|VA) 2 $740,000 $370,000 $3,649 7.31%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $740,000 $370,000 $15,447 6.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $730,000 $365,000 $10,373 7.12%
Hannibal, MO (FHA|USDA|VA) 4 $730,000 $182,500 $3,760 7.25%
CaƱon City, CO (FHA|USDA|VA) 2 $720,000 $360,000 $3,781 7.56%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $710,000 $355,000 $10,320 7.12%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $705,000 $235,000 $3,669 6.83%
Bardstown, KY (FHA|USDA|VA) 4 $690,000 $172,500 $6,254 5.94%
Whitewater, WI (FHA|USDA|VA) 1 $685,000 $685,000 $6,487 6.63%
MOBILE, AL (FHA|USDA|VA) 4 $680,000 $170,000 $6,709 7.28%
TUSCALOOSA, AL (FHA|USDA|VA) 5 $675,000 $135,000 $5,536 6.53%
Sedalia, MO (FHA|USDA|VA) 4 $670,000 $167,500 $6,527 4.72%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $665,000 $665,000 $13,263 7.13%
FARGO, ND-MN (FHA|USDA|VA) 1 $655,000 $655,000 $0 7.49%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $630,000 $315,000 $4,798 7.50%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $625,000 $208,333 $6,924 7.38%
RICHMOND, VA (FHA|USDA|VA) 3 $615,000 $205,000 $10,558 7.04%
EVANSVILLE, IN-KY (FHA|USDA|VA) 5 $615,000 $123,000 $6,056 5.20%
LONGVIEW, WA (FHA|USDA|VA) 2 $610,000 $305,000 $3,905 7.31%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $595,000 $198,333 $4,583 6.54%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $590,000 $295,000 $9,242 6.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $590,000 $147,500 $7,018 6.90%
LUBBOCK, TX (FHA|USDA|VA) 4 $580,000 $145,000 $9,375 7.06%
JONESBORO, AR (FHA|USDA|VA) 6 $580,000 $96,667 $3,756 6.29%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $575,000 $575,000 $5,275 6.99%
Huntsville, TX (FHA|USDA|VA) 1 $575,000 $575,000 $7,667 7.13%
Holland, MI (FHA|USDA|VA) 2 $560,000 $280,000 $6,386 7.13%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $560,000 $280,000 $9,205 7.18%
Wauchula, FL (FHA|USDA|VA) 2 $550,000 $275,000 $10,559 6.63%
EL PASO, TX (FHA|USDA|VA) 2 $550,000 $275,000 $2,666 7.06%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $540,000 $270,000 $6,728 6.19%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $540,000 $270,000 $7,368 6.75%
Garden City, KS (FHA|USDA|VA) 2 $530,000 $265,000 $6,995 6.94%
MONTGOMERY, AL (FHA|USDA|VA) 3 $525,000 $175,000 $6,642 6.29%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $525,000 $525,000 $238 6.25%
Lebanon, NH-VT (FHA|USDA|VA) 1 $515,000 $515,000 $0 7.88%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $515,000 $515,000 $8,917 6.75%
Clewiston, FL (FHA|USDA|VA) 2 $510,000 $255,000 $7,795 7.06%
Emporia, KS (FHA|USDA|VA) 3 $505,000 $168,333 $7,776 6.67%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $505,000 $505,000 $4,746 7.25%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $505,000 $505,000 $14,730 8.13%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $485,000 $485,000 $22,665 6.63%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $485,000 $485,000 $4,955 6.99%
Laconia, NH (FHA|USDA|VA) 2 $480,000 $240,000 $5,812 7.06%
Blytheville, AR (FHA|USDA|VA) 3 $475,000 $158,333 $6,713 6.83%
Salem, OH (FHA|USDA|VA) 3 $475,000 $158,333 $8,005 7.16%
Ardmore, OK (FHA|USDA|VA) 1 $475,000 $475,000 $2,325 6.75%
Riverton, WY (FHA|USDA|VA) 1 $475,000 $475,000 $9,701 6.88%
FORT WAYNE, IN (FHA|USDA|VA) 1 $465,000 $465,000 $3,693 6.88%
Outside of Metro Areas 1 $465,000 $465,000 $11,161 6.62%
Albertville, AL (FHA|USDA|VA) 2 $460,000 $230,000 $5,972 7.31%
Spearfish, SD (FHA|USDA|VA) 1 $455,000 $455,000 $0 7.49%
Murray, KY (FHA|USDA|VA) 2 $450,000 $225,000 $5,432 6.56%
Baraboo, WI (FHA|USDA|VA) 1 $435,000 $435,000 $4,748 6.88%
JOPLIN, MO (FHA|USDA|VA) 1 $425,000 $425,000 $17,082 6.13%
Ottawa, IL (FHA|USDA|VA) 2 $420,000 $210,000 $8,839 6.94%
Moses Lake, WA (FHA|USDA|VA) 1 $415,000 $415,000 $7,041 7.63%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $405,000 $405,000 $5,861 7.13%
Sevierville, TN (FHA|USDA|VA) 1 $405,000 $405,000 $9,940 7.63%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $5,898 5.99%
JACKSON, MI (FHA|USDA|VA) 1 $395,000 $395,000 $3,869 6.99%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $395,000 $395,000 $202 6.25%
Oxford, MS (FHA|USDA|VA) 1 $385,000 $385,000 $0 7.50%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $375,000 $375,000 $7,337 6.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $375,000 $375,000 $8,097 5.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $370,000 $185,000 $7,085 3.44%
Show Low, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $4,746 6.25%
PUEBLO, CO (FHA|USDA|VA) 1 $365,000 $365,000 $0 6.88%
Gainesville, TX (FHA|USDA|VA) 1 $355,000 $355,000 $12,192 6.25%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $355,000 $355,000 $5,728 6.88%
Stevens Point, WI (FHA|USDA|VA) 3 $345,000 $115,000 $4,371 6.25%
Pullman, WA (FHA|USDA|VA) 1 $345,000 $345,000 $3,209 7.49%
THE VILLAGES, FL (FHA|USDA|VA) 1 $345,000 $345,000 $8,880 7.00%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $340,000 $170,000 $2,066 6.68%
Athens, TN (FHA|USDA|VA) 1 $335,000 $335,000 $13,757 5.75%
DECATUR, IL (FHA|USDA|VA) 3 $335,000 $111,667 $8,115 7.37%
Roseburg, OR (FHA|USDA|VA) 1 $335,000 $335,000 $9,760 6.50%
Klamath Falls, OR (FHA|USDA|VA) 1 $335,000 $335,000 $13,707 6.88%
Lufkin, TX (FHA|USDA|VA) 2 $330,000 $165,000 $7,362 7.44%
SALEM, OR (FHA|USDA|VA) 1 $325,000 $325,000 $14,027 6.63%
Concord, NH (FHA|USDA|VA) 1 $325,000 $325,000 $16,966 5.88%
Mountain Home, AR (FHA|USDA|VA) 2 $320,000 $160,000 $5,544 6.31%
MIDLAND, MI (FHA|USDA|VA) 1 $315,000 $315,000 $3,948 7.38%
Starkville, MS (FHA|USDA|VA) 1 $315,000 $315,000 $9,178 7.38%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $310,000 $155,000 $7,143 6.50%
Brenham, TX (FHA|USDA|VA) 1 $305,000 $305,000 $11,110 5.99%
SAN ANGELO, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 7.49%
Mountain Home, ID (FHA|USDA|VA) 1 $295,000 $295,000 $6,718 6.49%
Sandpoint, ID (FHA|USDA|VA) 1 $295,000 $295,000 $7,342 6.13%
Seymour, IN (FHA|USDA|VA) 1 $295,000 $295,000 $6,533 7.50%
Boone, NC (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.50%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.38%
Coffeyville, KS (FHA|USDA|VA) 2 $280,000 $140,000 $5,855 6.94%
Kirksville, MO (FHA|USDA|VA) 1 $275,000 $275,000 $4,777 7.75%
Dayton, TN (FHA|USDA|VA) 1 $275,000 $275,000 $7,089 6.88%
GRANTS PASS, OR (FHA|USDA|VA) 1 $275,000 $275,000 $4,700 7.13%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $270,000 $135,000 $3,639 8.25%
LYNCHBURG, VA (FHA|USDA|VA) 1 $265,000 $265,000 $4,868 7.25%
Zapata, TX (FHA|USDA|VA) 1 $265,000 $265,000 $13,576 7.13%
Salina, KS (FHA|USDA|VA) 2 $260,000 $130,000 $7,258 6.69%
Frankfort, IN (FHA|USDA|VA) 1 $255,000 $255,000 $11,242 7.13%
NAPA, CA (FHA|USDA|VA) 1 $255,000 $255,000 $5,457 7.13%
SAVANNAH, GA (FHA|USDA|VA) 1 $255,000 $255,000 $9,533 6.49%
Calhoun, GA (FHA|USDA|VA) 1 $245,000 $245,000 $11,538 6.63%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $245,000 $245,000 $10,542 6.25%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $240,000 $120,000 $6,413 8.75%
Traverse City, MI (FHA|USDA|VA) 1 $235,000 $235,000 $10,577 6.63%
New Castle, IN (FHA|USDA|VA) 1 $235,000 $235,000 $3,326 7.49%
COLUMBUS, OH (FHA|USDA|VA) 1 $235,000 $235,000 $10,852 6.63%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $0 7.12%
Elizabeth City, NC (FHA|USDA|VA) 1 $235,000 $235,000 $8,149 7.63%
Warsaw, IN (FHA|USDA|VA) 1 $235,000 $235,000 $3,193 6.49%
Port Angeles, WA (FHA|USDA|VA) 1 $235,000 $235,000 $6,495 7.25%
Enterprise, AL (FHA|USDA|VA) 1 $235,000 $235,000 $7,070 7.50%
Galesburg, IL (FHA|USDA|VA) 2 $230,000 $115,000 $4,387 6.88%
TULSA, OK (FHA|USDA|VA) 1 $225,000 $225,000 $10,077 6.63%
Fort Dodge, IA (FHA|USDA|VA) 1 $225,000 $225,000 $5,728 6.75%
Lexington, NE (FHA|USDA|VA) 1 $225,000 $225,000 $3,032 7.00%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $225,000 $225,000 $3,290 7.13%
MUNCIE, IN (FHA|USDA|VA) 1 $215,000 $215,000 $3,599 6.63%
Quincy, IL-MO (FHA|USDA|VA) 1 $205,000 $205,000 $3,215 7.88%
JACKSON, TN (FHA|USDA|VA) 1 $205,000 $205,000 $7,449 6.50%
Jasper, IN (FHA|USDA|VA) 1 $205,000 $205,000 $8,632 7.13%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $205,000 $205,000 $3,469 7.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $205,000 $205,000 $4,189 6.75%
Great Bend, KS (FHA|USDA|VA) 1 $205,000 $205,000 $3,592 7.38%
Lumberton, NC (FHA|USDA|VA) 2 $200,000 $100,000 $3,621 7.75%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $200,000 $100,000 $4,146 7.38%
Fort Payne, AL (FHA|USDA|VA) 1 $195,000 $195,000 $8,752 6.88%
Wilmington, OH (FHA|USDA|VA) 1 $195,000 $195,000 $7,425 6.75%
DANVILLE, IL (FHA|USDA|VA) 1 $185,000 $185,000 $6,589 5.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $8,909 7.13%
Rutland, VT (FHA|USDA|VA) 1 $185,000 $185,000 $5,793 8.13%
Lewisburg, TN (FHA|USDA|VA) 1 $185,000 $185,000 $3,923 7.13%
Laurel, MS (FHA|USDA|VA) 1 $185,000 $185,000 $12,586 6.75%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $185,000 $185,000 $4,712 7.13%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $180,000 $90,000 $5,119 7.99%
Rolla, MO (FHA|USDA|VA) 1 $175,000 $175,000 $5,139 7.99%
Chillicothe, OH (FHA|USDA|VA) 1 $175,000 $175,000 $10,141 6.99%
Scottsboro, AL (FHA|USDA|VA) 1 $175,000 $175,000 $9,419 6.49%
Taylorville, IL (FHA|USDA|VA) 2 $170,000 $85,000 $3,932 6.50%
Ontario, OR-ID (FHA|USDA|VA) 1 $165,000 $165,000 $8,343 5.63%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $3,164 6.99%
Newberry, SC (FHA|USDA|VA) 1 $165,000 $165,000 $10,612 6.13%
McMinnville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $7,619 7.13%
Campbellsville, KY (FHA|USDA|VA) 1 $155,000 $155,000 $7,064 7.50%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,559 6.25%
MADISON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $6,248 6.99%
APPLETON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $4,975 6.63%
Rochelle, IL (FHA|USDA|VA) 1 $145,000 $145,000 $4,371 5.99%
Orangeburg, SC (FHA|USDA|VA) 1 $145,000 $145,000 $9,276 6.63%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $145,000 $145,000 $3,200 7.75%
Central City, KY (FHA|USDA|VA) 1 $135,000 $135,000 $6,832 6.25%
KOKOMO, IN (FHA|USDA|VA) 1 $135,000 $135,000 $5,746 6.75%
TOLEDO, OH (FHA|USDA|VA) 1 $135,000 $135,000 $7,323 5.88%
Ottumwa, IA (FHA|USDA|VA) 1 $125,000 $125,000 $5,320 7.99%
Sterling, IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,974 7.50%
Union City, TN (FHA|USDA|VA) 1 $125,000 $125,000 $3,390 6.99%
Kerrville, TX (FHA|USDA|VA) 1 $115,000 $115,000 $7,106 7.13%
Uvalde, TX (FHA|USDA|VA) 1 $115,000 $115,000 $7,451 6.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $115,000 $115,000 $6,526 6.50%
Danville, VA (FHA|USDA|VA) 1 $115,000 $115,000 $6,662 5.99%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.49%
Centralia, IL (FHA|USDA|VA) 1 $105,000 $105,000 $3,252 7.49%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $95,000 $95,000 $3,647 5.99%
Mexico, MO (FHA|USDA|VA) 2 $80,000 $40,000 $0 7.63%
Dodge City, KS (FHA|USDA|VA) 1 $75,000 $75,000 $3,711 7.00%
Shawano, WI (FHA|USDA|VA) 1 $65,000 $65,000 $2,947 6.88%
Leaderone Financial Corporation's top markets include Kansas City, Chicago, St. Louis, Merced, and Boston among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,775 $811,305,000 $292,362 $5,561 6.42%
    FHA 1,333 $356,905,000 $267,746 $11,132 6.65%
    VA 357 $133,155,000 $372,983 $9,922 6.61%
    USDA 105 $20,105,000 $191,476 $6,786 6.57%

    For 2024, Leaderone Financial Corporation's most frequently originated type of loan was Conventional, with 2,775 originations. Their 2nd most popular type was FHA, with 1,333 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,048 $1,157,370,000 $285,912 $7,742 6.46%
    Cash Out Refi 305 $76,235,000 $249,951 $8,052 7.01%
    Refi 217 $87,865,000 $404,908 $5,974 6.53%

    For 2024, Leaderone Financial Corporation's most frequently cited loan purpose was Home Purchase, with 4,048 originations. The 2nd most popular reason was Cash Out Refi, with 305 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,304 $1,293,880,000 $300,623 $7,998 6.66%
    10 Year 170 $1,400,000 $8,235 $34 2.63%
    15 Year 40 $11,070,000 $276,750 $4,571 5.65%
    20 Year 29 $9,345,000 $322,241 $5,544 6.71%
    Other 27 $5,775,000 $213,889 $9,442 6.77%

    For 2024, Leaderone Financial Corporation's most frequently cited loan duration was 30 Year, with 4,304 originations. The 2nd most popular length was 10 Year, with 170 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,269 $373,185,000 $294,078
    $5k+ 901 $365,345,000 $405,488
    $2k-3k 636 $155,980,000 $245,252
    $<1k 626 $117,870,000 $188,291
    $3k-4k 510 $131,690,000 $258,216
    $4k-5k 387 $121,365,000 $313,605

    Leaderone Financial Corporation's average total fees were $7,998, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,269 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 2,487 $745,255,000 $299,660
    7-8% 1,397 $441,455,000 $316,002
    5-6% 371 $112,305,000 $302,709
    <2.5% 220 $2,430,000 $11,045
    Over 8% 68 $14,900,000 $219,118
    4-5% 16 $4,840,000 $302,500
    3-4% 10 $110,000 $11,000
    2.5-3% 1 $175,000 $175,000

    During 2024, Leaderone Financial Corporation's average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 6-7%, with 2,487 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,111 $606,935,000 $287,511 $8,437 6.79%
    $100k-200k 1,071 $167,285,000 $156,195 $6,068 6.79%
    $400k-600k 644 $308,270,000 $478,680 $10,254 6.86%
    $100,000 or less 473 $17,295,000 $36,564 $1,522 3.87%
    $600k-1MM 230 $164,300,000 $714,348 $9,918 6.92%
    $1MM+ 41 $57,385,000 $1,399,634 $19,013 6.91%

    2024 saw Leaderone Financial Corporation place emphasis on $200k-400k loans with 2,111 originations, totaling $606,935,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,095 $340,025,000 $310,525 $8,623 6.74%
    $50k-75k 1,067 $192,015,000 $179,958 $6,555 6.03%
    $75k-100k 919 $223,995,000 $243,738 $7,670 6.38%
    $150k-250k 721 $300,275,000 $416,470 $8,783 6.91%
    $50k or less 415 $52,345,000 $126,133 $5,242 6.22%
    $250k+ 317 $199,655,000 $629,826 $9,729 7.11%

    Leaderone Financial Corporation lent most frequently to those with incomes in the $100k-150k range, with 1,095 originations. The second most popular income band? $50k-75k, with 1,067 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 680 $194,180,000 $285,559 $6,820 6.53%
    20-30% 533 $146,715,000 $275,263 $5,954 6.62%
    50-60% 498 $148,810,000 $298,815 $11,538 6.42%
    49% 299 $95,765,000 $320,284 $8,467 6.80%
    42% 237 $66,605,000 $281,034 $7,276 6.36%
    44% 216 $64,160,000 $297,037 $7,705 6.63%
    40% 200 $54,970,000 $274,850 $6,921 6.44%
    43% 199 $61,235,000 $307,714 $7,957 6.53%
    48% 198 $59,230,000 $299,141 $8,342 6.62%
    47% 196 $56,470,000 $288,112 $7,777 6.40%
    46% 182 $54,090,000 $297,198 $7,987 6.28%
    41% 173 $53,465,000 $309,046 $7,099 6.35%
    38% 169 $50,785,000 $300,503 $7,495 6.60%
    45% 169 $48,725,000 $288,314 $7,579 6.43%
    39% 165 $47,225,000 $286,212 $7,288 6.54%
    37% 163 $43,745,000 $268,374 $6,286 6.43%
    36% 148 $35,960,000 $242,973 $6,747 6.14%
    <20% 102 $23,810,000 $233,431 $4,854 6.65%
    >60% 16 $6,140,000 $383,750 $11,584 6.15%

    Leaderone Financial Corporation lent most frequently to those with DTI ratios of 30-36%, with 680 originations. The next most common DTI ratio? 20-30%, with 533 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,426 $994,960,000 $290,414 $7,478 6.54%
    Not provided 491 $150,285,000 $306,079 $8,274 6.51%
    Black 465 $110,615,000 $237,882 $8,200 6.09%
    Asian 136 $48,220,000 $354,559 $8,219 6.81%
    American Indian 25 $8,435,000 $337,400 $9,628 6.62%
    Asian Indian 8 $3,240,000 $405,000 $9,878 6.86%
    Chinese 6 $2,260,000 $376,667 $8,411 5.73%
    Filipino 5 $1,645,000 $329,000 $8,786 6.55%
    Korean 1 $585,000 $585,000 $22,388 7.00%
    Native Hawaiian or Islander 4 $510,000 $127,500 $5,000 6.78%
    Other Asian 2 $510,000 $255,000 $14,942 7.19%
    Vietnamese 1 $205,000 $205,000 $4,179 6.88%

    Approval Rates

    Total approvals of all applications
    92.29%

    Leaderone Financial Corporation has an average approval rate.

    Pick Rate

    Approvals leading to origination
    65.80%

    Leaderone Financial Corporation 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
    0.0 2 $10,000 $5,000
    NA 4,568 $1,321,460,000 $289,286

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,570 $1,321,470,000 $289,162

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 121 $24,665,000 $203,843 $4,894 6.76%
    40-60% 278 $81,900,000 $294,604 $5,567 6.77%
    60-80% 960 $328,010,000 $341,677 $6,800 6.97%
    80-100% 2,820 $846,250,000 $300,089 $8,713 6.78%
    Over 100% 85 $34,685,000 $408,059 $16,433 6.45%
    Under 20% 306 $5,960,000 $19,477 $354 2.15%