Global Mortgage Rates, Fees & Info
Spokane, WALEI: 5493006XP2M53G3AP658
Tax ID: 91-0620799
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Mortgage Data
Review & Overview
Global is a smaller mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Global has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Spokane, Sandpoint, Los Angeles, San Francisco, and Wenatchee among others. We have data for 39 markets. (Some data included below & more in-depth data is available with an active subscription.)Global 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. Global 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
440Origination Dollar Volume (All Markets)
$95,000,000Awards
GLOBAL - 2020
GLOBAL is a 2020 , due to their low .
For 2020, 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 |
|---|---|---|---|---|---|
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 165 | $39,445,000 | $239,061 | $3,343 | 3.16% |
| Outside of Metro Areas | 118 | $31,410,000 | $266,186 | $4,503 | 3.10% |
| Sandpoint, ID (FHA|USDA|VA) | 14 | $4,070,000 | $290,714 | $5,675 | 2.95% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 20 | $2,640,000 | $132,000 | $0 | 6.64% |
| Outside of Metro Areas | 14 | $2,400,000 | $171,429 | $2,715 | 4.12% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 14 | $2,290,000 | $163,571 | $0 | 6.64% |
| WENATCHEE, WA (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $3,156 | 2.73% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 14 | $1,390,000 | $99,286 | $0 | 6.95% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 10 | $1,390,000 | $139,000 | $0 | 6.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $1,015,000 | $145,000 | $0 | 6.39% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $5,052 | 4.55% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 11 | $905,000 | $82,273 | $0 | 6.98% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $630,000 | $78,750 | $0 | 6.28% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $8,209 | 4.69% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $9,691 | 2.99% |
| NAPA, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 7.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,937 | 3.00% |
| Pullman, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,841 | 3.50% |
| Moscow, ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,264 | 2.75% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,093 | 3.00% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $271 | 5.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 5.99% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.99% |
| BEND, OR (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 7.38% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.99% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.25% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.50% |
| REDDING, CA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 6.25% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.50% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.99% |
| Centralia, WA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.25% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.75% |
| Newport, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.00% |
| SALEM, OR (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against GLOBAL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 231
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Product Mix
For 2020, Global's most frequently originated type of loan was Conventional, with 381 originations. Their 2nd most popular type was VA, with 35 originations.
Loan Reason
For 2020, Global's most frequently cited loan purpose was Home Purchase, with 201 originations. The 2nd most popular reason was Refi, with 124 originations.
Loan Duration/Length
For 2020, Global's most frequently cited loan duration was 30 Year, with 258 originations. The 2nd most popular length was 20 Year, with 106 originations.
Origination Fees/Closing Costs
Global's average total fees were $3,855, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 148 originations.
Interest Rates
During 2020, Global's average interest rate for loans was 3.04%, while their most frequently originated rate bucket for loans was 2.5-3%, with 135 originations.
Loan Sizing
2020 saw Global place emphasis on $200k-400k loans with 186 originations, totaling $50,450,000 in origination value.
Applicant Income
Global lent most frequently to those with incomes in the $50k-75k range, with 114 originations. The second most popular income band? $75k-100k, with 97 originations.
Applicant Debt to Income Ratio
Global lent most frequently to those with DTI ratios of 20-30%, with 108 originations. The next most common DTI ratio? 30-36%, with 84 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.02%
Global has an average approval rate.
Pick Rate
Approvals leading to origination21.36%
Global 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 |
|---|---|---|---|
| 1497.3 | 1 | $35,000 | $35,000 |
| 1676.0 | 1 | $35,000 | $35,000 |
| 1852.0 | 1 | $35,000 | $35,000 |
| 1955.0 | 1 | $45,000 | $45,000 |
| 2021.5 | 1 | $45,000 | $45,000 |
| 2069.22 | 1 | $45,000 | $45,000 |
| 2092.9 | 1 | $45,000 | $45,000 |
| 2111.68 | 1 | $65,000 | $65,000 |
| 2125.04 | 1 | $45,000 | $45,000 |
| 2301.42 | 1 | $55,000 | $55,000 |
| 2359.0 | 1 | $55,000 | $55,000 |
| 2366.5 | 1 | $55,000 | $55,000 |
| 2419.28 | 1 | $55,000 | $55,000 |
| 2420.65 | 1 | $55,000 | $55,000 |
| 2458.06 | 1 | $55,000 | $55,000 |
| 2509.0 | 1 | $55,000 | $55,000 |
| 2539.0 | 1 | $55,000 | $55,000 |
| 2550.0 | 1 | $55,000 | $55,000 |
| 2599.0 | 2 | $160,000 | $80,000 |
| 2669.37 | 1 | $65,000 | $65,000 |
| 2699.0 | 1 | $95,000 | $95,000 |
| 2737.0 | 1 | $65,000 | $65,000 |
| 2770.0 | 1 | $65,000 | $65,000 |
| 2794.0 | 1 | $65,000 | $65,000 |
| 2869.0 | 1 | $65,000 | $65,000 |
| 2936.5 | 1 | $75,000 | $75,000 |
| 2959.0 | 1 | $75,000 | $75,000 |
| 2993.5 | 1 | $75,000 | $75,000 |
| 3064.75 | 1 | $75,000 | $75,000 |
| 3076.0 | 1 | $75,000 | $75,000 |
| 3076.15 | 1 | $75,000 | $75,000 |
| 3102.5 | 1 | $85,000 | $85,000 |
| 3134.0 | 1 | $65,000 | $65,000 |
| 3135.0 | 1 | $65,000 | $65,000 |
| 3164.5 | 1 | $75,000 | $75,000 |
| 3195.7 | 1 | $75,000 | $75,000 |
| 3229.0 | 1 | $85,000 | $85,000 |
| 3232.0 | 1 | $85,000 | $85,000 |
| 3243.18 | 1 | $95,000 | $95,000 |
| 3246.32 | 1 | $85,000 | $85,000 |
| 3262.86 | 1 | $105,000 | $105,000 |
| 3272.8 | 1 | $85,000 | $85,000 |
| 3274.59 | 1 | $105,000 | $105,000 |
| 3274.87 | 1 | $105,000 | $105,000 |
| 3275.54 | 1 | $105,000 | $105,000 |
| 3292.06 | 1 | $105,000 | $105,000 |
| 3292.99 | 1 | $85,000 | $85,000 |
| 3296.22 | 1 | $95,000 | $95,000 |
| 3296.75 | 1 | $105,000 | $105,000 |
| 3297.0 | 9 | $905,000 | $100,556 |
| 3359.0 | 1 | $125,000 | $125,000 |
| 3480.0 | 1 | $115,000 | $115,000 |
| 3599.0 | 1 | $145,000 | $145,000 |
| 3779.0 | 1 | $145,000 | $145,000 |
| 4076.5 | 1 | $105,000 | $105,000 |
| 4079.0 | 1 | $165,000 | $165,000 |
| 4130.56 | 1 | $165,000 | $165,000 |
| 4168.03 | 1 | $115,000 | $115,000 |
| 4181.0 | 1 | $165,000 | $165,000 |
| 4190.5 | 1 | $115,000 | $115,000 |
| 4216.15 | 1 | $115,000 | $115,000 |
| 4219.0 | 1 | $115,000 | $115,000 |
| 4264.0 | 1 | $175,000 | $175,000 |
| 4309.63 | 1 | $175,000 | $175,000 |
| 4432.75 | 1 | $125,000 | $125,000 |
| 4441.12 | 1 | $125,000 | $125,000 |
| 4503.96 | 1 | $125,000 | $125,000 |
| 4637.36 | 1 | $125,000 | $125,000 |
| 4646.5 | 2 | $250,000 | $125,000 |
| 4752.58 | 1 | $135,000 | $135,000 |
| 4760.5 | 1 | $135,000 | $135,000 |
| 4996.6 | 1 | $135,000 | $135,000 |
| 5059.0 | 1 | $145,000 | $145,000 |
| 5216.5 | 1 | $145,000 | $145,000 |
| 5287.0 | 1 | $145,000 | $145,000 |
| 5593.0 | 1 | $155,000 | $155,000 |
| 5837.32 | 1 | $165,000 | $165,000 |
| 5886.25 | 1 | $165,000 | $165,000 |
| 5929.0 | 1 | $175,000 | $175,000 |
| 5999.0 | 1 | $175,000 | $175,000 |
| 6151.0 | 1 | $175,000 | $175,000 |
| 6288.72 | 1 | $185,000 | $185,000 |
| 6295.0 | 1 | $185,000 | $185,000 |
| 6553.0 | 1 | $195,000 | $195,000 |
| 6584.5 | 1 | $195,000 | $195,000 |
| 6727.0 | 1 | $195,000 | $195,000 |
| 6866.87 | 1 | $205,000 | $205,000 |
| 7375.0 | 1 | $215,000 | $215,000 |
| 7639.0 | 2 | $450,000 | $225,000 |
| 7917.85 | 1 | $235,000 | $235,000 |
| 799.0 | 13 | $1,605,000 | $123,462 |
| 8779.0 | 1 | $265,000 | $265,000 |
| 8921.5 | 1 | $275,000 | $275,000 |
| NA | 324 | $81,820,000 | $252,531 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Global Trust Finance | VA mortgage | Closing on a mortgage | 1 | 100.0% |