Mycumortgage Rates, Fees & Info

BEAVERCREEK, OH

LEI: 5493006HFDG31YJ3MM36

Tax ID: 31-1690008

5 stars - Updated: 3/17/24 - out of 5 stars, based on 27 reviews

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

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Mortgage Data

Review & Overview

Mycumortgage is a smaller mortgage company specializing in Home Purchase loans. Mycumortgage has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Cleveland, Columbus, Akron, Cincinnati, and Canton among others. We have data for 111 markets. (Some data included below & more in-depth data is available with an active subscription.)

Mycumortgage 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. Mycumortgage 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 6.99% 3/17/24
30 Year Conventional Refi 6.82% 3/17/24
30 Year Cash-out Refi 7.17% 3/17/24
30 Year FHA Purchase 7.40% 3/17/24
30 Year FHA Refi 6.83% 3/17/24
30 Year VA Purchase 6.34% 3/17/24
30 Year USDA Purchase 6.87% 3/17/24
15 Year Conventional Purchase 6.16% 3/17/24
15 Year Conventional Refi 6.24% 3/17/24
15 Year Cash-out Refi 6.24% 3/17/24
15 Year FHA Purchase 7.14% 3/17/24
15 Year VA Purchase 5.68% 3/17/24
15 Year VA Refi 6.58% 3/17/24
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.

Mycumortgage Mortgage Calculator






Your Estimates

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

This is not an official calculator from Mycumortgage. 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

732

Origination Dollar Volume (All Markets)

$112,820,000
Show all (16) awards

Relative Rate

Mycumortgage's average 30 year fixed mortgage rate was 4.97%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.21%.

Relative Fees (Closing Costs)

Mycumortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $5,240.

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 $4,750.

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
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 89 $12,205,000 $137,135 $3,864 4.60%
Outside of Metro Areas 56 $8,440,000 $150,714 $4,749 4.81%
COLUMBUS, OH (FHA|USDA|VA) 33 $7,505,000 $227,424 $6,507 4.89%
AKRON, OH (FHA|USDA|VA) 40 $5,390,000 $134,750 $4,299 4.81%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 38 $5,340,000 $140,526 $4,258 4.35%
CANTON-MASSILLON, OH (FHA|USDA|VA) 38 $4,870,000 $128,158 $5,049 4.90%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 20 $4,580,000 $229,000 $7,884 4.69%
HARRISONBURG, VA (FHA|USDA|VA) 15 $3,385,000 $225,667 $6,811 4.40%
LOUISVILLE, KY (FHA|USDA|VA) 17 $3,165,000 $186,176 $5,190 4.73%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 21 $2,985,000 $142,143 $5,457 4.67%
STAUNTON, VA (FHA|USDA|VA) 13 $2,875,000 $221,154 $6,954 5.61%
MUNCIE, IN (FHA|USDA|VA) 24 $2,640,000 $110,000 $3,672 4.95%
Richmond, IN (FHA|USDA|VA) 26 $2,600,000 $100,000 $3,241 5.11%
LIMA, OH (FHA|USDA|VA) 15 $2,075,000 $138,333 $5,298 4.70%
Portsmouth, OH (FHA|USDA|VA) 13 $1,945,000 $149,615 $5,969 4.74%
Ashtabula, OH (FHA|USDA|VA) 14 $1,800,000 $128,571 $4,306 5.25%
Greenwood, SC (FHA|USDA|VA) 17 $1,795,000 $105,588 $4,057 4.09%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 11 $1,655,000 $150,455 $5,584 4.83%
New Castle, IN (FHA|USDA|VA) 17 $1,625,000 $95,588 $3,539 4.80%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 12 $1,580,000 $131,667 $5,164 5.07%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $1,580,000 $263,333 $5,846 4.56%
WILLIAMSPORT, PA (FHA|USDA|VA) 10 $1,410,000 $141,000 $5,751 4.56%
BATON ROUGE, LA (FHA|USDA|VA) 8 $1,380,000 $172,500 $6,553 6.19%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 10 $1,370,000 $137,000 $3,591 4.84%
DAYTON-KETTERING, OH (FHA|USDA|VA) 8 $1,290,000 $161,250 $3,946 5.05%
MORRISTOWN, TN (FHA|USDA|VA) 9 $1,145,000 $127,222 $4,790 3.72%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $890,000 $148,333 $3,520 5.27%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $845,000 $845,000 $11,316 3.35%
RICHMOND, VA (FHA|USDA|VA) 3 $825,000 $275,000 $8,684 5.96%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $735,000 $245,000 $11,274 5.38%
Sandusky, OH (FHA|USDA|VA) 4 $690,000 $172,500 $6,988 5.66%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $670,000 $335,000 $8,732 5.06%
FLINT, MI (FHA|USDA|VA) 5 $645,000 $129,000 $4,810 4.55%
Lock Haven, PA (FHA|USDA|VA) 4 $600,000 $150,000 $6,109 5.31%
Wooster, OH (FHA|USDA|VA) 5 $535,000 $107,000 $3,451 4.65%
CHARLESTON, WV (FHA|USDA|VA) 5 $535,000 $107,000 $4,706 5.43%
Newport, TN (FHA|USDA|VA) 4 $510,000 $127,500 $4,145 4.09%
Chillicothe, OH (FHA|USDA|VA) 3 $485,000 $161,667 $6,062 5.46%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $480,000 $240,000 $7,231 4.31%
Marietta, OH (FHA|USDA|VA) 3 $475,000 $158,333 $6,324 4.54%
COLUMBUS, IN (FHA|USDA|VA) 3 $465,000 $155,000 $2,855 4.42%
TERRE HAUTE, IN (FHA|USDA|VA) 4 $460,000 $115,000 $4,645 6.03%
Coshocton, OH (FHA|USDA|VA) 1 $455,000 $455,000 $7,220 6.00%
Salem, OH (FHA|USDA|VA) 2 $450,000 $225,000 $6,925 4.88%
DECATUR, IL (FHA|USDA|VA) 3 $425,000 $141,667 $6,692 4.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $420,000 $210,000 $3,563 4.19%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $415,000 $138,333 $4,373 5.96%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $395,000 $395,000 $9,748 5.63%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $385,000 $385,000 $9,194 3.38%
SALEM, OR (FHA|USDA|VA) 1 $385,000 $385,000 $10,558 5.75%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $370,000 $185,000 $6,193 5.00%
Ashland, OH (FHA|USDA|VA) 2 $370,000 $185,000 $5,190 3.88%
Defiance, OH (FHA|USDA|VA) 2 $360,000 $180,000 $5,080 5.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $340,000 $170,000 $4,941 5.88%
Celina, OH (FHA|USDA|VA) 2 $330,000 $165,000 $5,877 3.25%
Frankfort, KY (FHA|USDA|VA) 2 $320,000 $160,000 $5,139 4.75%
MONTGOMERY, AL (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.00%
Wapakoneta, OH (FHA|USDA|VA) 3 $315,000 $105,000 $4,453 4.71%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $315,000 $315,000 $4,486 5.63%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $300,000 $150,000 $4,414 5.56%
TOLEDO, OH (FHA|USDA|VA) 2 $290,000 $145,000 $4,746 4.56%
Findlay, OH (FHA|USDA|VA) 2 $290,000 $145,000 $5,531 5.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $285,000 $285,000 $4,534 4.25%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $280,000 $140,000 $5,715 5.31%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $275,000 $275,000 $10,813 5.13%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $275,000 $275,000 $4,533 3.75%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $270,000 $135,000 $5,395 5.69%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,574 4.38%
FORT WAYNE, IN (FHA|USDA|VA) 2 $260,000 $130,000 $3,420 4.31%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 2 $260,000 $130,000 $7,026 4.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $255,000 $255,000 $13,205 6.13%
Mayfield, KY (FHA|USDA|VA) 2 $250,000 $125,000 $4,909 3.75%
Concord, NH (FHA|USDA|VA) 1 $245,000 $245,000 $6,863 4.00%
Mount Sterling, KY (FHA|USDA|VA) 2 $240,000 $120,000 $3,762 4.50%
Greenville, OH (FHA|USDA|VA) 1 $235,000 $235,000 $3,311 6.13%
Murray, KY (FHA|USDA|VA) 2 $230,000 $115,000 $3,570 4.56%
Sidney, OH (FHA|USDA|VA) 1 $225,000 $225,000 $3,383 2.38%
Burley, ID (FHA|USDA|VA) 1 $225,000 $225,000 $10,873 3.38%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $220,000 $110,000 $5,386 5.06%
KNOXVILLE, TN (FHA|USDA|VA) 1 $205,000 $205,000 $4,669 3.38%
JACKSON, MI (FHA|USDA|VA) 1 $205,000 $205,000 $6,134 5.50%
Mount Vernon, OH (FHA|USDA|VA) 1 $195,000 $195,000 $3,988 4.63%
LEBANON, PA (FHA|USDA|VA) 1 $185,000 $185,000 $7,172 6.13%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $185,000 $185,000 $8,867 3.88%
Marion, IN (FHA|USDA|VA) 1 $185,000 $185,000 $3,172 6.63%
LUBBOCK, TX (FHA|USDA|VA) 1 $185,000 $185,000 $4,578 6.88%
Lewisburg, PA (FHA|USDA|VA) 1 $185,000 $185,000 $7,775 5.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $7,765 5.38%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $175,000 $175,000 $3,720 5.88%
Houghton, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,389 4.50%
Somerset, KY (FHA|USDA|VA) 1 $165,000 $165,000 $2,882 7.38%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $165,000 $165,000 $5,637 5.50%
Washington Court House, OH (FHA|USDA|VA) 1 $165,000 $165,000 $6,002 4.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,524 2.75%
Bellefontaine, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,666 6.13%
Hobbs, NM (FHA|USDA|VA) 1 $155,000 $155,000 $7,314 3.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $155,000 $155,000 $8,559 6.13%
ALTOONA, PA (FHA|USDA|VA) 1 $155,000 $155,000 $6,014 5.50%
MIDLAND, MI (FHA|USDA|VA) 1 $145,000 $145,000 $5,081 5.63%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,644 3.38%
DuBois, PA (FHA|USDA|VA) 1 $145,000 $145,000 $5,616 5.63%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $140,000 $70,000 $3,378 3.75%
Paducah, KY-IL (FHA|USDA|VA) 1 $135,000 $135,000 $4,890 3.88%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $135,000 $135,000 $3,510 5.88%
Ruston, LA (FHA|USDA|VA) 1 $135,000 $135,000 $6,183 3.25%
DALTON, GA (FHA|USDA|VA) 1 $135,000 $135,000 $7,015 2.88%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,997 3.50%
COLUMBIA, SC (FHA|USDA|VA) 1 $75,000 $75,000 $3,813 4.99%
GREENVILLE, NC (FHA|USDA|VA) 1 $65,000 $65,000 $4,180 4.50%
Greeneville, TN (FHA|USDA|VA) 1 $65,000 $65,000 $3,571 3.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $35,000 $35,000 $2,859 5.50%
Mycumortgage's top markets include Cleveland, Columbus, Akron, Cincinnati, and Canton among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Similar Lenders

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

    Huntington Federal Savings Bank
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    CINFED Federal Credit Union
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 374 $54,700,000 $146,257 $3,858 4.76%
    FHA 320 $52,580,000 $164,313 $6,276 4.81%
    VA 27 $4,155,000 $153,889 $4,664 4.58%
    USDA 11 $1,385,000 $125,909 $5,354 5.19%

    For 2022, Mycumortgage's most frequently originated type of loan was Conventional, with 374 originations. Their 2nd most popular type was FHA, with 320 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 550 $89,600,000 $162,909 $5,309 5.00%
    Cash Out Refi 116 $15,510,000 $133,707 $4,055 4.33%
    Refi 34 $3,360,000 $98,824 $3,345 3.35%
    Other 26 $3,910,000 $150,385 $4,305 4.43%
    Home Improvement 6 $440,000 $73,333 $3,338 3.58%

    For 2022, Mycumortgage's most frequently cited loan purpose was Home Purchase, with 550 originations. The 2nd most popular reason was Cash Out Refi, with 116 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 616 $98,310,000 $159,594 $5,240 4.97%
    15 Year 77 $9,615,000 $124,870 $3,575 3.91%
    20 Year 26 $3,830,000 $147,308 $3,656 3.76%
    10 Year 13 $1,065,000 $81,923 $2,918 2.92%

    For 2022, Mycumortgage's most frequently cited loan duration was 30 Year, with 616 originations. The 2nd most popular length was 15 Year, with 77 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 338 $54,610,000 $161,568
    $1k-2k 235 $26,935,000 $114,617
    $2k-3k 110 $19,380,000 $176,182
    $3k-4k 27 $6,725,000 $249,074
    $5k+ 13 $3,565,000 $274,231
    $4k-5k 9 $1,605,000 $178,333

    Mycumortgage's average total fees were $5,240, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 338 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 217 $34,315,000 $158,134
    3-4% 205 $31,415,000 $153,244
    4-5% 128 $19,460,000 $152,031
    6-7% 113 $18,655,000 $165,088
    2.5-3% 44 $5,780,000 $131,364
    <2.5% 13 $1,475,000 $113,462
    7-8% 11 $1,645,000 $149,545
    Over 8% 1 $75,000 $75,000

    During 2022, Mycumortgage's average interest rate for loans was 4.97%, while their most frequently originated rate bucket for loans was 5-6%, with 217 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 361 $51,775,000 $143,421 $4,891 4.82%
    $100,000 or less 203 $14,655,000 $72,192 $3,492 4.60%
    $200k-400k 159 $41,745,000 $262,547 $6,832 4.92%
    $400k-600k 8 $3,800,000 $475,000 $7,944 5.06%
    $600k-1MM 1 $845,000 $845,000 $11,316 3.35%

    2022 saw Mycumortgage place emphasis on $100k-200k loans with 361 originations, totaling $51,775,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 248 $26,250,000 $105,847 $4,249 4.70%
    $50k-75k 221 $33,555,000 $151,833 $5,131 4.74%
    $100k-150k 122 $26,240,000 $215,082 $5,857 4.95%
    $75k-100k 105 $17,455,000 $166,238 $5,271 4.92%
    $150k-250k 31 $7,135,000 $230,161 $4,387 4.62%
    $250k+ 5 $2,185,000 $437,000 $8,833 4.92%

    Mycumortgage lent most frequently to those with incomes in the $50k or less range, with 248 originations. The second most popular income band? $50k-75k, with 221 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 149 $19,915,000 $133,658 $4,185 4.65%
    30-36% 146 $22,640,000 $155,068 $4,987 4.74%
    50-60% 53 $8,935,000 $168,585 $6,351 4.87%
    <20% 36 $3,650,000 $101,389 $3,480 4.34%
    40% 32 $5,030,000 $157,188 $4,954 5.19%
    48% 32 $5,970,000 $186,563 $5,999 4.98%
    39% 29 $4,945,000 $170,517 $5,360 4.77%
    44% 29 $4,675,000 $161,207 $5,090 4.89%
    42% 26 $4,650,000 $178,846 $5,515 4.85%
    38% 26 $3,710,000 $142,692 $4,838 4.67%
    37% 25 $3,805,000 $152,200 $5,176 4.59%
    41% 25 $5,045,000 $201,800 $5,082 5.19%
    36% 23 $3,365,000 $146,304 $4,869 4.51%
    46% 22 $3,010,000 $136,818 $5,053 5.07%
    47% 20 $3,030,000 $151,500 $4,578 4.48%
    43% 18 $3,170,000 $176,111 $5,412 5.12%
    45% 18 $3,460,000 $192,222 $6,675 5.03%
    49% 16 $2,110,000 $131,875 $4,590 5.18%
    >60% 6 $1,560,000 $260,000 $5,100 4.68%

    Mycumortgage lent most frequently to those with DTI ratios of 20-30%, with 149 originations. The next most common DTI ratio? 30-36%, with 146 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 555 $84,895,000 $152,964 $4,873 4.78%
    Not provided 100 $15,510,000 $155,100 $4,892 4.81%
    Black 67 $10,745,000 $160,373 $5,749 4.78%
    American Indian 4 $870,000 $217,500 $7,215 4.97%
    Asian 5 $495,000 $99,000 $3,409 4.35%
    Native Hawaiian or Islander 1 $305,000 $305,000 $10,757 6.63%

    Approval Rates

    Total approvals of all applications
    93.74%

    Mycumortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.54%

    Mycumortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 732 $112,820,000 $154,126

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    732 $112,820,000 $154,126

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 20 $1,890,000 $94,500 $3,438 3.99%
    40-60% 65 $7,425,000 $114,231 $3,524 4.19%
    60-80% 164 $24,170,000 $147,378 $4,276 4.57%
    80-100% 476 $78,400,000 $164,706 $5,441 4.99%
    Over 100% 4 $790,000 $197,500 $9,468 4.16%
    Under 20% 3 $145,000 $48,333 $2,997 3.04%