Mycumortgage Rates, Fees & Info
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Tax ID: 31-1690008
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Mortgage Data
Review & Overview
Mycumortgage is a smaller mortgage company specializing in Home Purchase and Cash Out Refi 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: Cincinnati, Akron, Cleveland, Columbus, and Canton among others. We have data for 127 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.99% | 4/21/24 |
| 30 Year Conventional Refi | 6.82% | 4/21/24 |
| 30 Year Cash-out Refi | 7.17% | 4/21/24 |
| 30 Year FHA Purchase | 7.40% | 4/21/24 |
| 30 Year FHA Refi | 6.83% | 4/21/24 |
| 30 Year VA Purchase | 6.34% | 4/21/24 |
| 30 Year USDA Purchase | 6.87% | 4/21/24 |
| 15 Year Conventional Purchase | 6.16% | 4/21/24 |
| 15 Year Conventional Refi | 6.24% | 4/21/24 |
| 15 Year Cash-out Refi | 6.24% | 4/21/24 |
| 15 Year FHA Purchase | 7.14% | 4/21/24 |
| 15 Year VA Purchase | 5.68% | 4/21/24 |
| 15 Year VA Refi | 6.58% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,167Origination Dollar Volume (All Markets)
$170,765,000Awards
MYCUMORTGAGE - 2021
MYCUMORTGAGE is a 2021 , due to their low .
For 2021, 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 |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 101 | $14,665,000 | $145,198 | $3,665 | 2.95% |
| AKRON, OH (FHA|USDA|VA) | 82 | $11,340,000 | $138,293 | $3,883 | 2.98% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 74 | $9,730,000 | $131,486 | $4,762 | 3.09% |
| COLUMBUS, OH (FHA|USDA|VA) | 57 | $9,495,000 | $166,579 | $4,430 | 2.97% |
| Outside of Metro Areas | 57 | $7,265,000 | $127,456 | $4,396 | 3.02% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 50 | $6,660,000 | $133,200 | $5,625 | 2.97% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 45 | $6,365,000 | $141,444 | $4,027 | 2.99% |
| LOUISVILLE, KY (FHA|USDA|VA) | 30 | $6,200,000 | $206,667 | $4,345 | 3.09% |
| HARRISONBURG, VA (FHA|USDA|VA) | 28 | $5,680,000 | $202,857 | $6,200 | 3.16% |
| MUNCIE, IN (FHA|USDA|VA) | 39 | $4,255,000 | $109,103 | $3,265 | 3.10% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 31 | $4,085,000 | $131,774 | $5,081 | 3.12% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 23 | $3,775,000 | $164,130 | $3,642 | 3.18% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 28 | $3,490,000 | $124,643 | $5,066 | 2.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 21 | $3,405,000 | $162,143 | $6,484 | 2.84% |
| STAUNTON, VA (FHA|USDA|VA) | 20 | $3,380,000 | $169,000 | $5,516 | 3.06% |
| LIMA, OH (FHA|USDA|VA) | 27 | $3,255,000 | $120,556 | $4,792 | 3.00% |
| RICHMOND, VA (FHA|USDA|VA) | 14 | $3,150,000 | $225,000 | $7,071 | 2.93% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 22 | $2,970,000 | $135,000 | $4,689 | 2.97% |
| Portsmouth, OH (FHA|USDA|VA) | 19 | $2,755,000 | $145,000 | $5,681 | 2.95% |
| Ashtabula, OH (FHA|USDA|VA) | 23 | $2,705,000 | $117,609 | $4,648 | 3.19% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 17 | $2,605,000 | $153,235 | $6,098 | 3.03% |
| Greenwood, SC (FHA|USDA|VA) | 17 | $2,255,000 | $132,647 | $4,489 | 3.14% |
| KNOXVILLE, TN (FHA|USDA|VA) | 10 | $2,000,000 | $200,000 | $6,475 | 2.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 10 | $1,940,000 | $194,000 | $6,185 | 3.00% |
| Sandusky, OH (FHA|USDA|VA) | 15 | $1,705,000 | $113,667 | $4,736 | 2.87% |
| Richmond, IN (FHA|USDA|VA) | 13 | $1,595,000 | $122,692 | $3,488 | 2.99% |
| COLUMBUS, IN (FHA|USDA|VA) | 10 | $1,560,000 | $156,000 | $2,809 | 3.14% |
| New Castle, IN (FHA|USDA|VA) | 17 | $1,465,000 | $86,176 | $3,269 | 2.92% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $12,185 | 2.96% |
| Celina, OH (FHA|USDA|VA) | 11 | $1,265,000 | $115,000 | $4,819 | 2.93% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 10 | $1,230,000 | $123,000 | $5,075 | 3.19% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $1,215,000 | $135,000 | $4,645 | 4.58% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $4,160 | 3.15% |
| MORRISTOWN, TN (FHA|USDA|VA) | 9 | $1,175,000 | $130,556 | $4,170 | 2.94% |
| Paducah, KY-IL (FHA|USDA|VA) | 9 | $1,135,000 | $126,111 | $4,482 | 3.00% |
| Hobbs, NM (FHA|USDA|VA) | 8 | $1,120,000 | $140,000 | $4,491 | 3.03% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $8,606 | 3.00% |
| CHARLESTON, WV (FHA|USDA|VA) | 8 | $1,050,000 | $131,250 | $5,158 | 3.08% |
| TOLEDO, OH (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $6,099 | 3.05% |
| Murray, KY (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $5,297 | 2.93% |
| Findlay, OH (FHA|USDA|VA) | 7 | $885,000 | $126,429 | $4,912 | 3.09% |
| DECATUR, IL (FHA|USDA|VA) | 7 | $865,000 | $123,571 | $3,383 | 3.05% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $6,406 | 2.93% |
| Lock Haven, PA (FHA|USDA|VA) | 6 | $860,000 | $143,333 | $5,714 | 2.90% |
| BATON ROUGE, LA (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $4,412 | 3.20% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $6,753 | 3.46% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $4,284 | 2.94% |
| Chillicothe, OH (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $4,950 | 2.88% |
| FLINT, MI (FHA|USDA|VA) | 6 | $760,000 | $126,667 | $4,755 | 3.02% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $3,553 | 3.08% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $3,858 | 2.95% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,933 | 2.56% |
| Defiance, OH (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $4,812 | 2.98% |
| SALEM, OR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $8,229 | 3.13% |
| Wapakoneta, OH (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $5,105 | 3.06% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,059 | 3.29% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $5,746 | 3.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,734 | 3.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,834 | 2.75% |
| DuBois, PA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $4,870 | 2.94% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,568 | 3.00% |
| Marietta, OH (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $5,320 | 3.29% |
| Newport, TN (FHA|USDA|VA) | 5 | $395,000 | $79,000 | $3,506 | 2.70% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,044 | 3.25% |
| Van Wert, OH (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $4,172 | 2.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,703 | 2.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,923 | 2.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,621 | 3.63% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,031 | 2.88% |
| Salem, OH (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,522 | 2.94% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $4,023 | 2.96% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,073 | 3.13% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $2,762 | 2.96% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,988 | 2.63% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,681 | 3.38% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,397 | 3.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,113 | 2.81% |
| Kendallville, IN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,077 | 3.19% |
| BEND, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,409 | 2.63% |
| Granbury, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,069 | 3.38% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,808 | 2.88% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,361 | 2.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,898 | 2.70% |
| Wooster, OH (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,036 | 2.88% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,886 | 2.69% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,732 | 2.88% |
| Greenville, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,887 | 3.00% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,906 | 2.75% |
| Jackson, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,170 | 3.63% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,395 | 3.38% |
| Seneca, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,992 | 4.25% |
| Ashland, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,451 | 3.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,297 | 2.63% |
| Española, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,614 | 2.25% |
| Fremont, OH (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,486 | 2.81% |
| Tiffin, OH (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,243 | 3.00% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,165 | 2.63% |
| Sidney, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,418 | 3.00% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,593 | 2.88% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,295 | 2.94% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,432 | 3.31% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,023 | 2.38% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,104 | 2.75% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,669 | 3.00% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,866 | 2.75% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,861 | 3.13% |
| Houghton, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,550 | 2.75% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,568 | 2.88% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,454 | 3.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,839 | 2.63% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,809 | 2.75% |
| Mayfield, KY (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,017 | 2.94% |
| Bedford, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,590 | 3.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,280 | 3.13% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,408 | 3.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $3,245 | 2.88% |
| Marquette, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,144 | 2.63% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,501 | 3.13% |
| OCALA, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,265 | 3.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,851 | 2.88% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,449 | 3.25% |
| Picayune, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,581 | 2.63% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,215 | 3.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,515 | 2.13% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,458 | 3.00% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,533 | 3.63% |
| Madison, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,706 | 3.00% |
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Product Mix
For 2021, Mycumortgage's most frequently originated type of loan was Conventional, with 555 originations. Their 2nd most popular type was FHA, with 545 originations.
Loan Reason
For 2021, Mycumortgage's most frequently cited loan purpose was Home Purchase, with 680 originations. The 2nd most popular reason was Cash Out Refi, with 268 originations.
Loan Duration/Length
For 2021, Mycumortgage's most frequently cited loan duration was 30 Year, with 874 originations. The 2nd most popular length was 15 Year, with 190 originations.
Origination Fees/Closing Costs
Mycumortgage's average total fees were $5,084, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 565 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 574 | $83,560,000 | $145,575 |
| 3-4% | 417 | $65,145,000 | $156,223 |
| <2.5% | 141 | $17,275,000 | $122,518 |
| 4-5% | 32 | $4,560,000 | $142,500 |
| 5-6% | 3 | $225,000 | $75,000 |
During 2021, Mycumortgage's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 2.5-3%, with 574 originations.
Loan Sizing
2021 saw Mycumortgage place emphasis on $100k-200k loans with 566 originations, totaling $80,990,000 in origination value.
Applicant Income
Mycumortgage lent most frequently to those with incomes in the $50k or less range, with 423 originations. The second most popular income band? $50k-75k, with 335 originations.
Applicant Debt to Income Ratio
Mycumortgage lent most frequently to those with DTI ratios of 20-30%, with 239 originations. The next most common DTI ratio? 30-36%, with 227 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.00%
Mycumortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination84.40%
Mycumortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,167 | $170,765,000 | $146,328 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| MCCUE MORTGAGE COMPANY, THE | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |