Star One Credit Union Mortgage Rates, Fees & Info

Sunnyvale, CA

LEI: 5493004F7BXDIUFVPV87

Tax ID: 94-6069237

5 stars - Updated: 4/18/24 - out of 5 stars, based on 40 reviews

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

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Mortgage Data

Review & Overview

Star One Credit Union is a smaller credit union specializing in Home Purchase loans. Star One Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Jose, San Francisco, Stockton, Sacramento, and Los Angeles among others. We have data for 102 markets. (Some data included below & more in-depth data is available with an active subscription.)

Star One Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Star One Credit Union is typically a low 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 relatively high 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
Home Equity Line of Credit (HELOC) 5.66% 4/18/24
30 Year Conventional Purchase 6.04% 4/18/24
30 Year Conventional Refi 5.97% 4/18/24
30 Year Cash-out Refi 5.96% 4/18/24
15 Year Conventional Purchase 5.60% 4/18/24
15 Year Conventional Refi 5.76% 4/18/24
15 Year Cash-out Refi 5.76% 4/18/24
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.

Star One Credit Union Mortgage Calculator






Your Estimates

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

This is not an official calculator from Star One Credit Union. 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

1,638

Origination Dollar Volume (All Markets)

$811,660,000
Show all (17) awards

Relative Rate

Star One Credit Union's average 30 year fixed mortgage rate was 5.97%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.51%.

Relative Fees (Closing Costs)

Star One Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $4,212.

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 $9,089.

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
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 667 $311,875,000 $467,579 $1,797 6.88%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 422 $269,960,000 $639,716 $3,526 6.41%
STOCKTON, CA (FHA|USDA|VA) 97 $47,915,000 $493,969 $3,368 6.22%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 70 $23,420,000 $334,571 $2,048 6.33%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 36 $22,170,000 $615,833 $5,039 6.24%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 38 $16,230,000 $427,105 $1,841 6.79%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 22 $11,630,000 $528,636 $4,112 6.23%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 18 $7,970,000 $442,778 $4,867 5.72%
SALINAS, CA (FHA|USDA|VA) 18 $6,920,000 $384,444 $1,097 6.77%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 9 $6,195,000 $688,333 $3,901 6.33%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 10 $5,310,000 $531,000 $3,180 5.61%
Outside of Metro Areas 12 $4,540,000 $378,333 $2,875 6.10%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 9 $4,415,000 $490,556 $3,262 6.24%
MODESTO, CA (FHA|USDA|VA) 12 $4,220,000 $351,667 $2,460 6.47%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 9 $3,905,000 $433,889 $3,385 6.18%
Truckee-Grass Valley, CA (FHA|USDA|VA) 9 $3,605,000 $400,556 $1,986 6.51%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $3,600,000 $360,000 $5,012 5.74%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $2,615,000 $373,571 $3,117 6.20%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 8 $2,560,000 $320,000 $3,563 6.03%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 8 $2,360,000 $295,000 $3,529 6.23%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $2,245,000 $748,333 $3,940 6.71%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 7 $2,235,000 $319,286 $3,489 6.32%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $2,205,000 $441,000 $7,435 5.78%
FRESNO, CA (FHA|USDA|VA) 7 $1,905,000 $272,143 $2,235 7.13%
VALLEJO, CA (FHA|USDA|VA) 5 $1,805,000 $361,000 $1,777 6.03%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $1,530,000 $382,500 $3,745 6.47%
MERCED, CA (FHA|USDA|VA) 8 $1,370,000 $171,250 $1,594 6.55%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $1,365,000 $455,000 $4,640 6.25%
NAPA, CA (FHA|USDA|VA) 4 $1,300,000 $325,000 $2,689 6.41%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $7,428 5.25%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $1,260,000 $630,000 $2,888 5.69%
RENO, NV (FHA|USDA|VA) 3 $1,205,000 $401,667 $3,159 5.67%
BEND, OR (FHA|USDA|VA) 2 $1,100,000 $550,000 $3,284 5.88%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,070,000 $535,000 $2,566 7.75%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $1,035,000 $1,035,000 $6,886 6.25%
GRANTS PASS, OR (FHA|USDA|VA) 1 $955,000 $955,000 $6,238 5.13%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $910,000 $227,500 $2,992 6.72%
Heber, UT (FHA|USDA|VA) 1 $905,000 $905,000 $3,702 5.75%
BAKERSFIELD, CA (FHA|USDA|VA) 5 $895,000 $179,000 $1,849 6.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $855,000 $285,000 $2,863 6.17%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $840,000 $420,000 $4,733 5.44%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $830,000 $415,000 $3,819 5.88%
KNOXVILLE, TN (FHA|USDA|VA) 2 $820,000 $410,000 $12,749 5.44%
YUBA CITY, CA (FHA|USDA|VA) 2 $740,000 $370,000 $3,970 4.25%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $705,000 $705,000 $3,782 6.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $660,000 $330,000 $2,584 5.38%
Roseburg, OR (FHA|USDA|VA) 2 $650,000 $325,000 $3,110 5.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $605,000 $605,000 $5,017 5.88%
Sevierville, TN (FHA|USDA|VA) 1 $595,000 $595,000 $5,659 7.00%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $580,000 $290,000 $3,835 6.06%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $575,000 $575,000 $3,038 5.88%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $575,000 $575,000 $5,156 6.38%
GREELEY, CO (FHA|USDA|VA) 1 $555,000 $555,000 $2,194 6.38%
MADERA, CA (FHA|USDA|VA) 2 $540,000 $270,000 $2,803 6.06%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $530,000 $265,000 $2,585 7.25%
Spearfish, SD (FHA|USDA|VA) 1 $525,000 $525,000 $2,029 5.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $505,000 $505,000 $3,175 7.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $505,000 $505,000 $2,339 5.63%
LAS CRUCES, NM (FHA|USDA|VA) 2 $460,000 $230,000 $2,854 6.38%
CORVALLIS, OR (FHA|USDA|VA) 1 $445,000 $445,000 $2,865 6.63%
Coos Bay, OR (FHA|USDA|VA) 1 $435,000 $435,000 $4,211 5.25%
BELLINGHAM, WA (FHA|USDA|VA) 1 $425,000 $425,000 $3,795 6.38%
MEDFORD, OR (FHA|USDA|VA) 1 $425,000 $425,000 $2,822 6.00%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $410,000 $205,000 $2,702 5.88%
CARSON CITY, NV (FHA|USDA|VA) 1 $405,000 $405,000 $2,973 6.63%
BOISE CITY, ID (FHA|USDA|VA) 1 $405,000 $405,000 $3,908 5.38%
PROVO-OREM, UT (FHA|USDA|VA) 1 $405,000 $405,000 $3,021 5.50%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $365,000 $365,000 $2,572 5.88%
Bozeman, MT (FHA|USDA|VA) 1 $355,000 $355,000 $2,270 5.88%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $355,000 $355,000 $2,623 5.50%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $350,000 $175,000 $2,594 6.38%
REDDING, CA (FHA|USDA|VA) 1 $345,000 $345,000 $2,563 5.88%
COLUMBUS, OH (FHA|USDA|VA) 1 $345,000 $345,000 $3,729 5.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $325,000 $325,000 $2,532 5.38%
Fernley, NV (FHA|USDA|VA) 1 $325,000 $325,000 $2,419 6.38%
TUCSON, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $4,229 5.50%
ST. GEORGE, UT (FHA|USDA|VA) 1 $295,000 $295,000 $2,327 6.25%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $275,000 $275,000 $3,447 6.25%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $265,000 $265,000 $2,386 6.13%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $265,000 $265,000 $3,918 7.88%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $255,000 $255,000 $3,234 5.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $235,000 $235,000 $2,008 6.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $235,000 $235,000 $3,846 5.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $225,000 $225,000 $2,358 6.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $220,000 $110,000 $2,398 6.75%
Aberdeen, WA (FHA|USDA|VA) 1 $215,000 $215,000 $3,125 6.00%
Clearlake, CA (FHA|USDA|VA) 1 $205,000 $205,000 $3,165 6.75%
Crescent City, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.25%
Elko, NV (FHA|USDA|VA) 1 $195,000 $195,000 $2,787 6.88%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,915 6.63%
TULSA, OK (FHA|USDA|VA) 1 $175,000 $175,000 $3,132 5.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $165,000 $165,000 $1,585 6.38%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.50%
New Castle, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,045 5.75%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,188 5.75%
Sonora, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.50%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $100,000 $50,000 $0 6.63%
FORT COLLINS, CO (FHA|USDA|VA) 1 $95,000 $95,000 $1,845 5.63%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $85,000 $85,000 $3,419 6.13%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $65,000 $65,000 $4,147 6.00%
VISALIA, CA (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.00%
Star One Credit Union's top markets include San Jose, San Francisco, Stockton, Sacramento, and Los Angeles among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against STAR ONE CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Los Angeles Federal Credit Union
    Similarity Rank: 72
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    SYNERGY HOME MORTGAGE, LLC
    Similarity Rank: 92
    MISSION
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    El Dorado Savings Bank, F.S.B.
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    Noble Federal Credit Union
    Similarity Rank: 176
    INROADS
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    LBS FINANCIAL
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,215 $705,225,000 $580,432 $2,856 6.03%
    HELOC 423 $106,435,000 $251,619 n/a 8.07%

    For 2023, Star One Credit Union's most frequently originated type of loan was Conventional, with 1,215 originations. Their 2nd most popular type was HELOC, with 423 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 757 $566,935,000 $748,923 $4,245 6.07%
    Home Improvement 536 $126,640,000 $236,269 $256 7.25%
    Other 160 $34,380,000 $214,875 $205 7.05%
    Refi 103 $55,005,000 $534,029 $2,237 5.80%
    Cash Out Refi 82 $28,700,000 $350,000 $768 6.47%

    For 2023, Star One Credit Union's most frequently cited loan purpose was Home Purchase, with 757 originations. The 2nd most popular reason was Home Improvement, with 536 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 798 $612,920,000 $768,070 $4,212 5.97%
    Other 423 $106,435,000 $251,619 $0 8.07%
    20 Year 249 $62,625,000 $251,506 $272 6.20%
    15 Year 151 $25,575,000 $169,371 $241 6.10%
    10 Year 17 $4,105,000 $241,471 $312 5.63%

    For 2023, Star One Credit Union's most frequently cited loan duration was 30 Year, with 798 originations. The 2nd most popular length was Other, with 423 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,183 $681,675,000 $576,226
    $5k+ 16 $14,270,000 $891,875
    $1k-2k 8 $5,990,000 $748,750
    $2k-3k 3 $735,000 $245,000
    $4k-5k 3 $2,045,000 $681,667
    $3k-4k 2 $510,000 $255,000

    Star One Credit Union's average total fees were $4,212, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,183 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 675 $399,735,000 $592,200
    6-7% 458 $269,610,000 $588,668
    7-8% 249 $65,605,000 $263,474
    Over 8% 220 $53,980,000 $245,364
    4-5% 36 $22,730,000 $631,389

    During 2023, Star One Credit Union's average interest rate for loans was 5.97%, while their most frequently originated rate bucket for loans was 5-6%, with 675 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 444 $120,380,000 $271,126 $1,715 6.97%
    $600k-1MM 331 $257,845,000 $778,988 $4,232 6.16%
    $100k-200k 247 $33,935,000 $137,389 $686 7.01%
    $400k-600k 231 $111,955,000 $484,654 $2,974 6.27%
    $1MM+ 207 $276,655,000 $1,336,498 $5,209 5.96%
    $100,000 or less 178 $10,890,000 $61,180 $188 6.68%

    2023 saw Star One Credit Union place emphasis on $200k-400k loans with 444 originations, totaling $120,380,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 712 $509,690,000 $715,857 $3,417 6.41%
    $150k-250k 576 $226,240,000 $392,778 $2,610 6.62%
    $100k-150k 234 $57,030,000 $243,718 $2,034 6.69%
    $75k-100k 62 $11,100,000 $179,032 $1,504 6.90%
    $50k-75k 36 $5,180,000 $143,889 $1,189 7.01%
    $50k or less 18 $2,420,000 $134,444 $2,035 6.68%

    Star One Credit Union lent most frequently to those with incomes in the $250k+ range, with 712 originations. The second most popular income band? $150k-250k, with 576 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 250 $126,100,000 $504,400 $3,189 6.52%
    20-30% 233 $84,845,000 $364,142 $2,261 6.58%
    49% 99 $48,315,000 $488,030 $3,337 6.56%
    48% 99 $44,825,000 $452,778 $2,264 6.81%
    44% 92 $49,650,000 $539,674 $2,420 6.37%
    38% 86 $40,010,000 $465,233 $2,750 6.59%
    47% 86 $38,400,000 $446,512 $2,134 6.73%
    43% 80 $46,310,000 $578,875 $3,454 6.37%
    45% 78 $37,080,000 $475,385 $2,293 6.65%
    46% 72 $38,310,000 $532,083 $2,817 6.63%
    40% 70 $30,680,000 $438,286 $2,777 6.53%
    42% 69 $45,175,000 $654,710 $3,259 6.49%
    37% 64 $37,290,000 $582,656 $2,960 6.39%
    41% 60 $31,490,000 $524,833 $3,073 6.71%
    39% 58 $28,860,000 $497,586 $3,053 6.43%
    36% 56 $29,270,000 $522,679 $4,273 6.42%
    <20% 45 $12,275,000 $272,778 $2,757 6.85%
    50-60% 41 $42,775,000 $1,043,293 $3,651 6.29%

    Star One Credit Union lent most frequently to those with DTI ratios of 30-36%, with 250 originations. The next most common DTI ratio? 20-30%, with 233 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 532 $328,110,000 $616,748 $3,313 6.40%
    White 594 $221,770,000 $373,350 $2,404 6.80%
    Not provided 308 $137,660,000 $446,948 $2,461 6.52%
    Asian Indian 127 $96,395,000 $759,016 $3,502 6.15%
    Black 14 $5,120,000 $365,714 $2,329 6.65%
    Other Asian 11 $4,655,000 $423,182 $2,927 6.52%
    Filipino 12 $4,480,000 $373,333 $5,493 6.28%
    Native Hawaiian or Islander 7 $3,255,000 $465,000 $3,886 6.63%
    Other Pacific Islander 6 $2,810,000 $468,333 $2,315 6.06%
    Vietnamese 6 $2,700,000 $450,000 $2,473 6.10%
    American Indian 10 $2,160,000 $216,000 $1,549 6.78%
    Chinese 7 $1,795,000 $256,429 $0 7.46%
    Korean 4 $750,000 $187,500 $0 6.16%

    Approval Rates

    Total approvals of all applications
    86.30%

    Star One Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.18%

    Star One Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,638 $811,660,000 $495,519

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,638 $811,660,000 $495,519

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 218 $89,790,000 $411,881 $1,305 6.84%
    40-60% 103 $58,505,000 $568,010 $3,061 6.17%
    60-80% 381 $285,065,000 $748,202 $4,262 6.03%
    80-100% 293 $263,115,000 $898,003 $4,532 5.93%
    Under 20% 643 $115,185,000 $179,137 $212 7.12%