Winnpointe Corporation Mortgage Rates, Fees & Info
ORANGE, CALEI: 5493005FJKWE0GR4YS94
Tax ID: 56-2674896
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Mortgage Data
Review & Overview
Winnpointe Corporation is a smaller mortgage company specializing in Refi loans. Winnpointe Corporation has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, San Diego, and Sacramento among others. We have data for 54 markets. (Some data included below & more in-depth data is available with an active subscription.)Winnpointe 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. Winnpointe Corporation 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 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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Originations
2,303Origination Dollar Volume (All Markets)
$759,355,000Awards
WINNPOINTE CORPORATION - 2019
WINNPOINTE CORPORATION 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) | 653 | $232,365,000 | $355,842 | $590 | 4.16% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 363 | $107,125,000 | $295,110 | $865 | 4.65% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 209 | $79,185,000 | $378,876 | $264 | 3.76% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 182 | $62,720,000 | $344,615 | $550 | 4.06% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 185 | $59,735,000 | $322,892 | $595 | 4.02% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 57 | $23,635,000 | $414,649 | $209 | 3.61% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 103 | $23,285,000 | $226,068 | $870 | 5.13% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 54 | $19,960,000 | $369,630 | $390 | 3.64% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 52 | $17,120,000 | $329,231 | $353 | 3.94% |
| STOCKTON, CA (FHA|USDA|VA) | 38 | $11,820,000 | $311,053 | $440 | 4.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 32 | $11,670,000 | $364,688 | $53 | 3.57% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 30 | $11,540,000 | $384,667 | $387 | 3.59% |
| VALLEJO, CA (FHA|USDA|VA) | 33 | $11,505,000 | $348,636 | $634 | 3.94% |
| FRESNO, CA (FHA|USDA|VA) | 37 | $11,485,000 | $310,405 | $922 | 3.64% |
| MODESTO, CA (FHA|USDA|VA) | 30 | $8,610,000 | $287,000 | $1,017 | 4.27% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 35 | $8,275,000 | $236,429 | $1,550 | 4.58% |
| SALINAS, CA (FHA|USDA|VA) | 20 | $7,010,000 | $350,500 | $2,151 | 4.63% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 17 | $5,945,000 | $349,706 | $809 | 3.46% |
| Outside of Metro Areas | 16 | $3,890,000 | $243,125 | $1,406 | 4.82% |
| CHICO, CA (FHA|USDA|VA) | 14 | $3,650,000 | $260,714 | $593 | 3.99% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 10 | $3,360,000 | $336,000 | $443 | 4.29% |
| MERCED, CA (FHA|USDA|VA) | 8 | $2,820,000 | $352,500 | $3 | 3.50% |
| VISALIA, CA (FHA|USDA|VA) | 11 | $2,475,000 | $225,000 | $1,701 | 5.15% |
| MADERA, CA (FHA|USDA|VA) | 8 | $2,310,000 | $288,750 | $1,226 | 4.83% |
| TUCSON, AZ (FHA|USDA|VA) | 9 | $2,305,000 | $256,111 | $1,213 | 5.51% |
| NAPA, CA (FHA|USDA|VA) | 6 | $2,300,000 | $383,333 | $89 | 3.64% |
| YUBA CITY, CA (FHA|USDA|VA) | 8 | $2,270,000 | $283,750 | $1,706 | 3.97% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 6 | $2,150,000 | $358,333 | $1,782 | 3.83% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 10 | $1,860,000 | $186,000 | $608 | 6.17% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $785 | 3.69% |
| GREELEY, CO (FHA|USDA|VA) | 7 | $1,695,000 | $242,143 | $1,010 | 4.57% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $4 | 3.42% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $345 | 6.23% |
| REDDING, CA (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $586 | 4.94% |
| EL CENTRO, CA (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $2,152 | 5.48% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $7 | 3.50% |
| Ukiah, CA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $366 | 3.54% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $291 | 3.63% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $1,350 | 3.94% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $10 | 3.13% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,918 | 3.69% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $615 | 7.93% |
| Fort Morgan, CO (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 7.81% |
| Durango, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 3.75% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $795 | 3.88% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,076 | 4.00% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,218 | 3.75% |
| Payson, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,997 | 3.63% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.75% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $25 | 4.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $25 | 3.38% |
Similar Lenders
We use machine learning to identify the top lenders compared against WINNPOINTE CORPORATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,175 | $720,845,000 | $331,423 | $407 | 4.24% |
| FHA | 108 | $32,500,000 | $300,926 | $5,273 | 3.73% |
| VA | 20 | $6,010,000 | $300,500 | $1,127 | 3.33% |
For 2019, Winnpointe Corporation's most frequently originated type of loan was Conventional, with 2,175 originations. Their 2nd most popular type was FHA, with 108 originations.
Loan Reason
For 2019, Winnpointe Corporation's most frequently cited loan purpose was Refi, with 2,285 originations. The 2nd most popular reason was Home Purchase, with 17 originations.
Loan Duration/Length
For 2019, Winnpointe Corporation's most frequently cited loan duration was 30 Year, with 1,676 originations. The 2nd most popular length was 15 Year, with 530 originations.
Origination Fees/Closing Costs
Winnpointe Corporation's average total fees were $641, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,074 originations.
Interest Rates
During 2019, Winnpointe Corporation's average interest rate for loans was 3.83%, while their most frequently originated rate bucket for loans was 3-4%, with 1,506 originations.
Loan Sizing
2019 saw Winnpointe Corporation place emphasis on $200k-400k loans with 1,422 originations, totaling $442,730,000 in origination value.
Applicant Income
Winnpointe Corporation lent most frequently to those with incomes in the $100k-150k range, with 778 originations. The second most popular income band? $75k-100k, with 523 originations.
Applicant Debt to Income Ratio
Winnpointe Corporation lent most frequently to those with DTI ratios of 30-36%, with 378 originations. The next most common DTI ratio? 20-30%, with 373 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.88%
Winnpointe Corporation has an average approval rate.
Pick Rate
Approvals leading to origination52.80%
Winnpointe 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 |
|---|---|---|---|
| NA | 2,303 | $759,355,000 | $329,724 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 2,303 | $759,355,000 | $329,724 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| WINNPOINTE CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |