Prime Choice Funding Mortgage Rates, Fees & Info
Irvine, CALEI: 5493003B1W77K6SD3U22
Tax ID: 45-0556976
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Mortgage Data
Review & Overview
Prime Choice Funding is a smaller mortgage company specializing in Refi and Cash Out Refi loans. They have an average proportion of FHA loans. Prime Choice Funding has an average proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Washington, Riverside, Atlanta, and Phoenix among others. We have data for 302 markets. (Some data included below & more in-depth data is available with an active subscription.)Prime Choice Funding 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. Prime Choice Funding 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.67% | 11/22/24 |
| 30 Year Conventional Refi | 6.32% | 11/22/24 |
| 30 Year Cash-out Refi | 6.53% | 11/22/24 |
| 30 Year FHA Purchase | 7.14% | 11/22/24 |
| 30 Year FHA Refi | 7.26% | 11/22/24 |
| 30 Year VA Purchase | 6.23% | 11/22/24 |
| 30 Year VA Refi | 5.90% | 11/22/24 |
| 15 Year Conventional Refi | 5.73% | 11/22/24 |
| 15 Year Cash-out Refi | 5.73% | 11/22/24 |
| 15 Year FHA Purchase | 5.68% | 11/22/24 |
| 15 Year VA Refi | 5.71% | 11/22/24 |
| 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. | ||
Prime Choice Funding Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,760Origination Dollar Volume (All Markets)
$826,850,000Awards
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Prime Choice Funding - 2019
Prime Choice Funding is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 200 | $87,420,000 | $437,100 | $8,879 | 3.97% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 116 | $46,090,000 | $397,328 | $5,543 | 3.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 144 | $45,820,000 | $318,194 | $6,546 | 3.85% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 141 | $34,945,000 | $247,837 | $5,107 | 3.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 108 | $29,000,000 | $268,519 | $5,435 | 3.79% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 62 | $27,120,000 | $437,419 | $6,867 | 3.73% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 63 | $21,845,000 | $346,746 | $6,007 | 3.76% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 46 | $16,680,000 | $362,609 | $7,735 | 3.65% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 48 | $16,050,000 | $334,375 | $6,745 | 3.66% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 55 | $14,555,000 | $264,636 | $4,346 | 3.74% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 41 | $13,855,000 | $337,927 | $6,892 | 3.59% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 38 | $13,460,000 | $354,211 | $5,876 | 3.56% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 43 | $13,115,000 | $305,000 | $4,426 | 3.73% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 49 | $13,045,000 | $266,224 | $6,020 | 3.71% |
| Outside of Metro Areas | 49 | $12,445,000 | $253,980 | $5,319 | 3.65% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 33 | $12,335,000 | $373,788 | $5,774 | 3.77% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 38 | $11,580,000 | $304,737 | $5,832 | 3.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 39 | $11,535,000 | $295,769 | $5,692 | 3.48% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 37 | $11,325,000 | $306,081 | $5,776 | 3.86% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 39 | $10,995,000 | $281,923 | $6,317 | 3.96% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 22 | $10,170,000 | $462,273 | $7,774 | 3.74% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 39 | $10,045,000 | $257,564 | $5,453 | 3.82% |
| VALLEJO, CA (FHA|USDA|VA) | 19 | $9,255,000 | $487,105 | $5,984 | 3.67% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 30 | $7,490,000 | $249,667 | $4,489 | 3.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 22 | $6,820,000 | $310,000 | $6,465 | 3.63% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 27 | $5,985,000 | $221,667 | $4,715 | 3.81% |
| TUCSON, AZ (FHA|USDA|VA) | 24 | $5,560,000 | $231,667 | $5,679 | 3.65% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 23 | $5,525,000 | $240,217 | $5,792 | 3.65% |
| FRESNO, CA (FHA|USDA|VA) | 23 | $5,485,000 | $238,478 | $4,959 | 4.36% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 20 | $5,390,000 | $269,500 | $5,488 | 3.73% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 17 | $5,275,000 | $310,294 | $5,070 | 3.77% |
| COLUMBUS, OH (FHA|USDA|VA) | 21 | $5,225,000 | $248,810 | $6,104 | 3.57% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 21 | $5,155,000 | $245,476 | $4,055 | 3.86% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 18 | $5,120,000 | $284,444 | $6,341 | 3.90% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 19 | $4,955,000 | $260,789 | $5,022 | 3.67% |
| RICHMOND, VA (FHA|USDA|VA) | 16 | $4,680,000 | $292,500 | $5,503 | 3.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 19 | $4,615,000 | $242,895 | $4,982 | 3.63% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $4,520,000 | $565,000 | $9,547 | 3.84% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 18 | $4,470,000 | $248,333 | $6,443 | 3.82% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 17 | $4,455,000 | $262,059 | $6,399 | 3.76% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 14 | $4,430,000 | $316,429 | $7,002 | 3.84% |
| STOCKTON, CA (FHA|USDA|VA) | 12 | $4,410,000 | $367,500 | $5,770 | 3.67% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 18 | $4,330,000 | $240,556 | $3,423 | 3.60% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 15 | $3,995,000 | $266,333 | $4,789 | 3.70% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 16 | $3,930,000 | $245,625 | $3,903 | 3.70% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 16 | $3,880,000 | $242,500 | $5,870 | 3.44% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 15 | $3,675,000 | $245,000 | $5,834 | 3.71% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 15 | $3,645,000 | $243,000 | $3,969 | 3.81% |
| MODESTO, CA (FHA|USDA|VA) | 12 | $3,350,000 | $279,167 | $7,081 | 3.97% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 14 | $3,270,000 | $233,571 | $4,994 | 3.57% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 15 | $3,255,000 | $217,000 | $4,623 | 3.82% |
| Outside of Metro Areas | 11 | $3,235,000 | $294,091 | $6,931 | 3.78% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $3,130,000 | $521,667 | $4,345 | 3.77% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 11 | $3,065,000 | $278,636 | $6,458 | 3.84% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 14 | $3,050,000 | $217,857 | $3,396 | 3.57% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 10 | $2,910,000 | $291,000 | $5,670 | 4.06% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 10 | $2,850,000 | $285,000 | $4,530 | 3.59% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 10 | $2,840,000 | $284,000 | $5,455 | 3.58% |
| FORT COLLINS, CO (FHA|USDA|VA) | 8 | $2,760,000 | $345,000 | $6,529 | 3.59% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 8 | $2,750,000 | $343,750 | $7,726 | 3.28% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $2,695,000 | $898,333 | $18,262 | 4.21% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 10 | $2,660,000 | $266,000 | $3,363 | 3.69% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 11 | $2,555,000 | $232,273 | $4,529 | 3.73% |
| COLUMBIA, SC (FHA|USDA|VA) | 11 | $2,555,000 | $232,273 | $4,360 | 3.70% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 14 | $2,550,000 | $182,143 | $4,007 | 3.93% |
| SAVANNAH, GA (FHA|USDA|VA) | 10 | $2,520,000 | $252,000 | $4,435 | 3.73% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 10 | $2,510,000 | $251,000 | $5,076 | 3.70% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $2,475,000 | $495,000 | $8,711 | 4.35% |
| GRANTS PASS, OR (FHA|USDA|VA) | 7 | $2,405,000 | $343,571 | $6,745 | 3.73% |
| GREELEY, CO (FHA|USDA|VA) | 8 | $2,380,000 | $297,500 | $6,758 | 3.44% |
| OCALA, FL (FHA|USDA|VA) | 11 | $2,375,000 | $215,909 | $4,292 | 3.57% |
| KNOXVILLE, TN (FHA|USDA|VA) | 11 | $2,345,000 | $213,182 | $4,153 | 3.70% |
| SALEM, OR (FHA|USDA|VA) | 10 | $2,340,000 | $234,000 | $4,271 | 3.75% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 7 | $2,325,000 | $332,143 | $5,052 | 3.41% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 8 | $2,300,000 | $287,500 | $5,874 | 3.64% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 10 | $2,260,000 | $226,000 | $3,795 | 3.70% |
| ASHEVILLE, NC (FHA|USDA|VA) | 8 | $2,210,000 | $276,250 | $5,205 | 4.16% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 8 | $2,150,000 | $268,750 | $4,717 | 3.56% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 8 | $2,140,000 | $267,500 | $2,226 | 3.86% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 8 | $2,120,000 | $265,000 | $4,132 | 3.73% |
| BEND, OR (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $6,051 | 3.63% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,755,000 | $585,000 | $7,638 | 3.42% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $1,750,000 | $291,667 | $6,115 | 3.77% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $10,908 | 4.40% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $6,212 | 3.54% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 8 | $1,620,000 | $202,500 | $3,982 | 3.73% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,600,000 | $266,667 | $5,452 | 3.81% |
| ANCHORAGE, AK (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $4,373 | 3.33% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $4,545 | 3.70% |
| SPARTANBURG, SC (FHA|USDA|VA) | 8 | $1,510,000 | $188,750 | $4,761 | 3.52% |
| MONTGOMERY, AL (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $3,888 | 3.83% |
| SANTA FE, NM (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $5,706 | 3.75% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $6,975 | 3.60% |
| BATON ROUGE, LA (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $6,222 | 3.65% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $3,114 | 3.84% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $5,439 | 3.79% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $3,879 | 3.88% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $4,288 | 3.75% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $4,250 | 3.60% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $5,628 | 3.85% |
| MEDFORD, OR (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $5,315 | 3.73% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $3,158 | 3.63% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $7,649 | 3.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $3,469 | 3.68% |
| Newport, OR (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $4,591 | 4.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $3,151 | 3.63% |
| REDDING, CA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $3,658 | 3.69% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $6,401 | 3.50% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $5,872 | 3.73% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $5,061 | 3.92% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $2,620 | 4.13% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $3,914 | 3.83% |
| Concord, NH (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $7,913 | 3.78% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $5,915 | 3.33% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $3,638 | 4.28% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $3,089 | 4.15% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $4,136 | 3.81% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $3,640 | 3.81% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $5,060 | 3.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $5,514 | 3.78% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $11,811 | 5.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $4,151 | 3.90% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $3,329 | 4.00% |
| YUMA, AZ (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $4,423 | 3.63% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $2,778 | 3.63% |
| AKRON, OH (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $5,388 | 3.59% |
| Roswell, NM (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $5,307 | 3.72% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $5,161 | 3.56% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $7,412 | 3.42% |
| MADERA, CA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $6,155 | 3.38% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $7,761 | 3.19% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $4,280 | 3.56% |
| CHEYENNE, WY (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,063 | 3.46% |
| Alamogordo, NM (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,136 | 3.71% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $7,166 | 3.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $3,609 | 3.42% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,849 | 3.79% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $4,131 | 3.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $2,648 | 3.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $4,988 | 3.41% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,401 | 3.44% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $3,061 | 5.77% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,017 | 3.88% |
| Ontario, OR-ID (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $12,681 | 4.13% |
| Payson, AZ (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,987 | 3.96% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $3,304 | 3.88% |
| St. Marys, GA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $5,968 | 3.63% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $3,913 | 3.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $7,198 | 3.75% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,129 | 4.08% |
| BANGOR, ME (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $2,681 | 3.62% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $17,206 | 3.38% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $4,834 | 3.56% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,553 | 3.38% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,381 | 3.54% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $6,990 | 3.56% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,720 | 4.46% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,047 | 4.04% |
| DOVER, DE (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,658 | 3.54% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,774 | 3.38% |
| Albertville, AL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $9,816 | 3.50% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,853 | 3.63% |
| Sonora, CA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,855 | 3.69% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $2,629 | 3.79% |
| Hailey, ID (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $5,721 | 4.00% |
| SUMTER, SC (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,408 | 4.08% |
| Durango, CO (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,491 | 3.63% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,021 | 3.94% |
| Marion, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,637 | 3.94% |
| LOGAN, UT-ID (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,016 | 3.81% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,330 | 4.17% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,744 | 3.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,824 | 3.69% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,922 | 3.94% |
| MERCED, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,690 | 3.63% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,649 | 3.44% |
| LEBANON, PA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $4,437 | 4.17% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,696 | 3.75% |
| Roseburg, OR (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,238 | 3.58% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,388 | 3.25% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,755 | 3.94% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,945 | 3.81% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,167 | 3.38% |
| Laconia, NH (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,256 | 3.81% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,278 | 3.38% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,097 | 3.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,568 | 3.81% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,449 | 4.44% |
| NAPA, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $19,011 | 3.50% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,168 | 4.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,405 | 3.56% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,808 | 3.50% |
| READING, PA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,201 | 3.69% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,397 | 4.25% |
| Austin, MN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,368 | 3.63% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,469 | 3.56% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $1,898 | 3.75% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,785 | 3.50% |
| Ozark, AL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,060 | 3.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,206 | 3.25% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $9,830 | 3.25% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,058 | 4.00% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,005 | 4.19% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,541 | 4.31% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,697 | 3.75% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,858 | 4.00% |
| MONROE, LA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,350 | 3.50% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,913 | 3.99% |
| Torrington, CT (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,080 | 4.06% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,724 | 3.75% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,948 | 4.13% |
| Marquette, MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,467 | 3.00% |
| KANKAKEE, IL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,835 | 3.56% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,501 | 3.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,579 | 3.38% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,283 | 3.38% |
| Brevard, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,142 | 3.63% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,305 | 3.56% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $1,904 | 3.75% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,171 | 3.25% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,610 | 3.88% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,802 | 3.25% |
| ROME, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,288 | 3.88% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,129 | 3.88% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,392 | 4.00% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,949 | 3.63% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,484 | 4.38% |
| Astoria, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,722 | 3.50% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,490 | 3.38% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,384 | 4.13% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $18,521 | 3.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,597 | 3.88% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,280 | 3.25% |
| Effingham, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,222 | 3.63% |
| CHICO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,440 | 3.63% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,848 | 3.25% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,305 | 3.25% |
| Shelby, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $15,953 | 3.63% |
| Wilson, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,495 | 3.38% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,570 | 4.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,655 | 8.20% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,103 | 3.25% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,566 | 3.99% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,828 | 3.38% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,535 | 3.75% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,518 | 3.25% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,350 | 3.75% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,856 | 3.88% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,834 | 4.75% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,130 | 3.38% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,308 | 3.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,891 | 4.13% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,420 | 3.38% |
| Waycross, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,853 | 3.50% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,515 | 3.63% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $15,526 | 3.50% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,820 | 3.63% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,578 | 4.13% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,290 | 3.63% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,618 | 3.88% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,084 | 3.25% |
| Sterling, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,105 | 3.50% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,591 | 4.00% |
| MONROE, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,900 | 4.13% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,070 | 3.13% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,604 | 3.88% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,503 | 4.25% |
| Boone, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,589 | 3.63% |
| Newberry, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,868 | 4.00% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,192 | 3.63% |
| Marion, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,729 | 3.25% |
| Greenville, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,285 | 2.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,601 | 4.38% |
| Forest City, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,759 | 4.25% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,385 | 3.63% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,658 | 3.50% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,905 | 4.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,625 | 3.38% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,530 | 3.63% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,769 | 3.38% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,711 | 3.75% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,004 | 4.50% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,663 | 3.75% |
| Riverton, WY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,149 | 4.75% |
| ERIE, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,014 | 3.38% |
| Marion, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,033 | 3.50% |
| Martin, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,805 | 3.75% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,317 | 3.38% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,427 | 3.50% |
| Fremont, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,667 | 3.50% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,119 | 3.63% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,863 | 3.25% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,900 | 3.75% |
| Ashland, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,840 | 3.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,644 | 4.25% |
| Holland, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,921 | 3.63% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,701 | 3.38% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,300 | 3.38% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,002 | 3.25% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,813 | 4.25% |
| DALTON, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,215 | 4.38% |
| NILES, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,959 | 4.75% |
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Product Mix
For 2019, Prime Choice Funding's most frequently originated type of loan was VA, with 1,892 originations. Their 2nd most popular type was FHA, with 570 originations.
Loan Reason
For 2019, Prime Choice Funding's most frequently cited loan purpose was Refi, with 1,811 originations. The 2nd most popular reason was Cash Out Refi, with 804 originations.
Loan Duration/Length
For 2019, Prime Choice Funding's most frequently cited loan duration was 30 Year, with 2,707 originations. The 2nd most popular length was Other, with 26 originations.
Origination Fees/Closing Costs
Prime Choice Funding's average total fees were $5,745, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,343 originations.
Interest Rates
During 2019, Prime Choice Funding's average interest rate for loans was 3.76%, while their most frequently originated rate bucket for loans was 3-4%, with 2,111 originations.
Loan Sizing
2019 saw Prime Choice Funding place emphasis on $200k-400k loans with 1,710 originations, totaling $479,060,000 in origination value.
Applicant Income
Prime Choice Funding lent most frequently to those with incomes in the $50k or less range, with 1,834 originations. The second most popular income band? $50k-75k, with 280 originations.
Applicant Debt to Income Ratio
Prime Choice Funding lent most frequently to those with DTI ratios of <20%, with 1,716 originations. The next most common DTI ratio? 50-60%, with 167 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.56%
Prime Choice Funding has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination68.12%
Prime Choice Funding 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 | 2,760 | $826,850,000 | $299,583 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 38 | $7,860,000 | $206,842 |
| Single Family (1-4 Units):Site-Built | 2,722 | $818,990,000 | $300,878 |