Evansville Teachers Mortgage Rates, Fees & Info

Evansville, IN

LEI: 54930072OCHTUJOZQB56

Tax ID: 35-0885388

5 stars - out of 5 stars, based on 96 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Evansville Teachers is a small mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Evansville Teachers 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Evansville, Louisville/jefferson County, Nashville, Clarksville, and Owensboro among others. We have data for 235 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Evansville Teachers 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. Evansville Teachers is typically an average fee lender. 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 in 2021-- chances are they are still one in 2022.

    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 5.62% 8/6/22
    30 Year Conventional Refi 5.46% 8/6/22
    30 Year Cash-out Refi 5.55% 8/6/22
    30 Year FHA Purchase 6.37% 8/6/22
    30 Year FHA Refi 6.03% 8/6/22
    30 Year VA Purchase 5.36% 8/6/22
    30 Year VA Refi 5.07% 8/6/22
    30 Year USDA Purchase 5.65% 8/6/22
    30 Year USDA Refi 5.61% 8/6/22
    15 Year Conventional Purchase 5.25% 8/6/22
    15 Year Conventional Refi 4.84% 8/6/22
    15 Year Cash-out Refi 4.84% 8/6/22
    15 Year FHA Purchase 5.29% 8/6/22
    15 Year FHA Refi 4.26% 8/6/22
    15 Year VA Refi 4.33% 8/6/22
    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.


    Originations

    9,235

    Origination Dollar Volume (All Markets)

    $2,298,045,000
    Show all (30) awards

    Relative Rate

    Evansville Teachers's average 30 year fixed rate mortgage of loans were 3.03%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of -0.12%.

    Relative Fees

    Evansville Teachers's average total fees for a 30 year fixed rate mortgage are $3,410.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $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
    EVANSVILLE, IN-KY (FHA|USDA|VA) » 3,188 $484,190,000 $151,879 $1,710 3.14%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » 792 $286,900,000 $362,247 $3,205 3.14%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 641 $284,135,000 $443,268 $3,849 3.08%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) » 32 $229,400,000 $7,168,750 $2,479 3.25%
    OWENSBORO, KY (FHA|USDA|VA) » 1,374 $216,220,000 $157,365 $2,370 3.14%
    Outside of Metro Areas 1,011 $143,605,000 $142,043 $2,109 3.13%
    JACKSON, MS (FHA|USDA|VA) » 196 $53,180,000 $271,327 $3,510 2.94%
    BOWLING GREEN, KY (FHA|USDA|VA) » 158 $37,580,000 $237,848 $2,908 3.11%
    Vincennes, IN (FHA|USDA|VA) » 303 $32,405,000 $106,947 $1,390 3.12%
    PITTSBURGH, PA (FHA|USDA|VA) » 142 $30,260,000 $213,099 $4,346 3.22%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 35 $23,235,000 $663,857 $5,416 2.92%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 28 $23,070,000 $823,929 $4,730 2.93%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) » 72 $23,040,000 $320,000 $2,748 3.14%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » 27 $21,475,000 $795,370 $6,396 3.03%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » 44 $19,930,000 $452,955 $3,968 3.04%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 17 $18,565,000 $1,092,059 $7,238 2.99%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 18 $17,820,000 $990,000 $4,750 2.89%
    Washington, IN (FHA|USDA|VA) » 121 $15,535,000 $128,388 $1,674 3.14%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 28 $15,300,000 $546,429 $4,748 3.39%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » 86 $15,220,000 $176,977 $2,068 3.31%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 18 $12,040,000 $668,889 $4,768 2.97%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 8 $11,200,000 $1,400,000 $6,372 2.69%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » 49 $9,795,000 $199,898 $4,084 3.09%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) » 28 $8,800,000 $314,286 $3,281 3.29%
    Jasper, IN (FHA|USDA|VA) » 67 $8,795,000 $131,269 $2,222 3.03%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 13 $7,755,000 $596,538 $4,116 3.13%
    Tullahoma-Manchester, TN (FHA|USDA|VA) » 19 $7,605,000 $400,263 $3,440 3.03%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 11 $7,365,000 $669,545 $3,815 2.98%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 4 $7,020,000 $1,755,000 $5,677 2.78%
    Madisonville, KY (FHA|USDA|VA) » 52 $6,310,000 $121,346 $2,004 3.34%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 9 $6,135,000 $681,667 $3,358 3.11%
    Glasgow, KY (FHA|USDA|VA) » 28 $6,020,000 $215,000 $3,652 3.07%
    ST. LOUIS, MO-IL (FHA|USDA|VA) » 17 $5,975,000 $351,471 $2,958 3.15%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 9 $5,675,000 $630,556 $3,566 3.33%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 6 $5,600,000 $933,333 $4,313 2.88%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 10 $5,520,000 $552,000 $5,726 2.94%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 13 $5,445,000 $418,846 $3,313 3.18%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 9 $4,855,000 $539,444 $4,596 2.82%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 5 $4,805,000 $961,000 $3,906 2.75%
    JACKSONVILLE, FL (FHA|USDA|VA) » 10 $4,540,000 $454,000 $4,234 3.41%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 9 $4,285,000 $476,111 $4,657 2.85%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » 6 $4,220,000 $703,333 $6,055 2.85%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) » 19 $4,045,000 $212,895 $3,955 3.08%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 11 $4,015,000 $365,000 $3,502 3.42%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) » 10 $3,450,000 $345,000 $3,536 3.20%
    Central City, KY (FHA|USDA|VA) » 24 $3,380,000 $140,833 $2,367 2.88%
    PANAMA CITY, FL (FHA|USDA|VA) » 10 $3,360,000 $336,000 $4,095 3.05%
    KNOXVILLE, TN (FHA|USDA|VA) » 7 $3,025,000 $432,143 $4,355 2.79%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 6 $2,970,000 $495,000 $4,156 3.58%
    TERRE HAUTE, IN (FHA|USDA|VA) » 28 $2,860,000 $102,143 $1,455 3.13%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 8 $2,820,000 $352,500 $3,585 3.45%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » 7 $2,745,000 $392,143 $3,694 3.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) » 5 $2,705,000 $541,000 $1,885 3.25%
    TUSCALOOSA, AL (FHA|USDA|VA) » 8 $2,680,000 $335,000 $6,689 3.06%
    OKLAHOMA CITY, OK (FHA|USDA|VA) » 6 $2,540,000 $423,333 $4,411 3.02%
    Oxford, MS (FHA|USDA|VA) » 7 $2,535,000 $362,143 $3,594 3.43%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) » 4 $2,450,000 $612,500 $5,269 3.03%
    Glenwood Springs, CO (FHA|USDA|VA) » 1 $2,405,000 $2,405,000 $4,574 3.00%
    CARBONDALE-MARION, IL (FHA|USDA|VA) » 16 $2,340,000 $146,250 $1,853 3.07%
    Frankfort, KY (FHA|USDA|VA) » 7 $2,305,000 $329,286 $4,218 2.95%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 1 $2,205,000 $2,205,000 $7,411 2.88%
    BLOOMINGTON, IN (FHA|USDA|VA) » 12 $2,170,000 $180,833 $1,845 2.83%
    TUCSON, AZ (FHA|USDA|VA) » 3 $2,065,000 $688,333 $4,895 2.79%
    COLUMBIA, SC (FHA|USDA|VA) » 3 $2,035,000 $678,333 $4,391 2.83%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) » 2 $1,820,000 $910,000 $4,400 3.00%
    RALEIGH-CARY, NC (FHA|USDA|VA) » 3 $1,805,000 $601,667 $4,251 2.63%
    Key West, FL (FHA|USDA|VA) » 2 $1,780,000 $890,000 $7,235 2.75%
    Bozeman, MT (FHA|USDA|VA) » 1 $1,765,000 $1,765,000 $10,519 2.75%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) » 5 $1,745,000 $349,000 $2,898 3.10%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 3 $1,735,000 $578,333 $5,464 3.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 5 $1,555,000 $311,000 $4,267 2.85%
    Richmond-Berea, KY (FHA|USDA|VA) » 5 $1,515,000 $303,000 $3,294 2.85%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » 3 $1,515,000 $505,000 $6,183 3.50%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 4 $1,500,000 $375,000 $3,792 2.97%
    Bardstown, KY (FHA|USDA|VA) » 8 $1,460,000 $182,500 $4,013 3.05%
    SAVANNAH, GA (FHA|USDA|VA) » 2 $1,450,000 $725,000 $4,868 2.75%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 3 $1,395,000 $465,000 $5,674 3.25%
    Heber, UT (FHA|USDA|VA) » 1 $1,305,000 $1,305,000 $4,218 2.63%
    TOLEDO, OH (FHA|USDA|VA) » 2 $1,270,000 $635,000 $8,544 3.19%
    SIOUX FALLS, SD (FHA|USDA|VA) » 2 $1,250,000 $625,000 $4,415 3.00%
    Sevierville, TN (FHA|USDA|VA) » 2 $1,250,000 $625,000 $4,493 3.31%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » 4 $1,230,000 $307,500 $4,807 2.81%
    BRUNSWICK, GA (FHA|USDA|VA) » 2 $1,220,000 $610,000 $4,117 3.06%
    Greenwood, MS (FHA|USDA|VA) » 6 $1,220,000 $203,333 $4,343 2.77%
    TULSA, OK (FHA|USDA|VA) » 1 $1,195,000 $1,195,000 $5,846 2.88%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 6 $1,120,000 $186,667 $4,046 3.31%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) » 4 $1,120,000 $280,000 $3,722 3.78%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » 6 $1,070,000 $178,333 $3,398 2.90%
    RICHMOND, VA (FHA|USDA|VA) » 2 $1,070,000 $535,000 $2,922 2.63%
    HUNTSVILLE, AL (FHA|USDA|VA) » 6 $1,060,000 $176,667 $3,866 3.08%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 2 $1,060,000 $530,000 $5,882 2.94%
    Paducah, KY-IL (FHA|USDA|VA) » 6 $1,050,000 $175,000 $3,109 2.83%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) » 3 $1,045,000 $348,333 $5,175 3.29%
    GAINESVILLE, GA (FHA|USDA|VA) » 1 $1,005,000 $1,005,000 $0 2.63%
    Georgetown, SC (FHA|USDA|VA) » 1 $985,000 $985,000 $4,221 2.88%
    Lewisburg, TN (FHA|USDA|VA) » 3 $975,000 $325,000 $2,740 3.17%
    HATTIESBURG, MS (FHA|USDA|VA) » 4 $970,000 $242,500 $3,549 2.84%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) » 3 $965,000 $321,667 $2,344 3.91%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 2 $960,000 $480,000 $5,246 3.19%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) » 2 $950,000 $475,000 $4,251 2.50%
    New Castle, PA (FHA|USDA|VA) » 7 $945,000 $135,000 $4,197 3.14%
    URBAN HONOLULU, HI (FHA|USDA|VA) » 1 $885,000 $885,000 $7,028 3.25%
    JACKSON, MI (FHA|USDA|VA) » 1 $885,000 $885,000 $6,768 2.88%
    Talladega-Sylacauga, AL (FHA|USDA|VA) » 4 $880,000 $220,000 $4,815 3.09%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) » 1 $855,000 $855,000 $4,037 3.00%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) » 1 $855,000 $855,000 $6,382 2.75%
    FORT WAYNE, IN (FHA|USDA|VA) » 2 $840,000 $420,000 $2,526 2.44%
    AKRON, OH (FHA|USDA|VA) » 4 $830,000 $207,500 $3,387 3.13%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) » 2 $820,000 $410,000 $5,578 2.88%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » 1 $815,000 $815,000 $6,357 2.88%
    BELLINGHAM, WA (FHA|USDA|VA) » 1 $785,000 $785,000 $12,373 2.88%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) » 1 $785,000 $785,000 $3,825 2.38%
    MONTGOMERY, AL (FHA|USDA|VA) » 2 $770,000 $385,000 $5,668 2.50%
    BOISE CITY, ID (FHA|USDA|VA) » 1 $765,000 $765,000 $5,876 2.88%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) » 3 $765,000 $255,000 $2,849 3.17%
    COLUMBUS, OH (FHA|USDA|VA) » 4 $760,000 $190,000 $4,783 2.78%
    MIDLAND, TX (FHA|USDA|VA) » 1 $755,000 $755,000 $4,787 2.63%
    FRESNO, CA (FHA|USDA|VA) » 1 $755,000 $755,000 $4,021 2.88%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » 1 $745,000 $745,000 $6,130 2.88%
    Boone, NC (FHA|USDA|VA) » 2 $690,000 $345,000 $6,655 3.25%
    Mount Vernon, IL (FHA|USDA|VA) » 8 $680,000 $85,000 $1,342 3.36%
    Centralia, IL (FHA|USDA|VA) » 5 $665,000 $133,000 $1,917 3.00%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) » 1 $655,000 $655,000 $3,790 3.00%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 3 $645,000 $215,000 $3,215 2.92%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » 1 $625,000 $625,000 $4,591 3.38%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) » 3 $625,000 $208,333 $513 3.96%
    Vicksburg, MS (FHA|USDA|VA) » 2 $620,000 $310,000 $4,042 2.81%
    LOGAN, UT-ID (FHA|USDA|VA) » 1 $605,000 $605,000 $4,402 2.75%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) » 1 $605,000 $605,000 $5,930 3.13%
    LYNCHBURG, VA (FHA|USDA|VA) » 1 $605,000 $605,000 $4,553 2.88%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) » 1 $585,000 $585,000 $5,200 2.50%
    WINSTON-SALEM, NC (FHA|USDA|VA) » 2 $560,000 $280,000 $3,111 2.88%
    ST. GEORGE, UT (FHA|USDA|VA) » 1 $545,000 $545,000 $4,036 2.63%
    Hailey, ID (FHA|USDA|VA) » 1 $545,000 $545,000 $4,643 2.75%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) » 1 $545,000 $545,000 $4,563 3.00%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 1 $525,000 $525,000 $625 2.88%
    JOHNSON CITY, TN (FHA|USDA|VA) » 2 $520,000 $260,000 $3,472 2.94%
    Crossville, TN (FHA|USDA|VA) » 3 $515,000 $171,667 $2,575 2.96%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) » 2 $500,000 $250,000 $3,160 3.81%
    Auburn, IN (FHA|USDA|VA) » 3 $495,000 $165,000 $1,714 4.00%
    McMinnville, TN (FHA|USDA|VA) » 1 $485,000 $485,000 $6,701 3.38%
    WENATCHEE, WA (FHA|USDA|VA) » 1 $485,000 $485,000 $3,629 2.75%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) » 2 $480,000 $240,000 $5,172 3.25%
    Scottsboro, AL (FHA|USDA|VA) » 1 $475,000 $475,000 $4,270 3.00%
    DALTON, GA (FHA|USDA|VA) » 2 $470,000 $235,000 $2,993 3.31%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » 1 $465,000 $465,000 $2,055 2.88%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » 2 $460,000 $230,000 $3,338 3.13%
    Outside of Metro Areas 1 $455,000 $455,000 $2,996 2.38%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 2 $450,000 $225,000 $3,885 2.94%
    Fort Dodge, IA (FHA|USDA|VA) » 1 $445,000 $445,000 $4,411 2.75%
    Mount Sterling, KY (FHA|USDA|VA) » 2 $440,000 $220,000 $2,079 3.13%
    Nacogdoches, TX (FHA|USDA|VA) » 1 $435,000 $435,000 $5,413 3.25%
    Effingham, IL (FHA|USDA|VA) » 3 $405,000 $135,000 $1,090 2.96%
    ALBUQUERQUE, NM (FHA|USDA|VA) » 1 $405,000 $405,000 $4,241 3.63%
    VICTORIA, TX (FHA|USDA|VA) » 1 $405,000 $405,000 $2,059 3.00%
    Salem, OH (FHA|USDA|VA) » 2 $400,000 $200,000 $3,425 3.19%
    Madison, IN (FHA|USDA|VA) » 2 $360,000 $180,000 $5,180 2.88%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 2 $360,000 $180,000 $3,801 2.56%
    Brookhaven, MS (FHA|USDA|VA) » 1 $355,000 $355,000 $6,503 4.00%
    EAU CLAIRE, WI (FHA|USDA|VA) » 1 $355,000 $355,000 $3,184 2.63%
    CHEYENNE, WY (FHA|USDA|VA) » 1 $345,000 $345,000 $10,248 2.88%
    JOHNSTOWN, PA (FHA|USDA|VA) » 3 $345,000 $115,000 $3,913 4.12%
    Somerset, KY (FHA|USDA|VA) » 3 $325,000 $108,333 $1,728 3.00%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) » 1 $315,000 $315,000 $4,048 3.25%
    Lawrenceburg, TN (FHA|USDA|VA) » 2 $310,000 $155,000 $1,094 2.50%
    ASHEVILLE, NC (FHA|USDA|VA) » 1 $305,000 $305,000 $2,035 2.88%
    PUNTA GORDA, FL (FHA|USDA|VA) » 1 $295,000 $295,000 $7,110 3.75%
    BOULDER, CO (FHA|USDA|VA) » 1 $295,000 $295,000 $3,100 3.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) » 1 $295,000 $295,000 $3,490 3.00%
    SPRINGFIELD, IL (FHA|USDA|VA) » 2 $290,000 $145,000 $3,960 3.00%
    Natchez, MS-LA (FHA|USDA|VA) » 1 $285,000 $285,000 $3,890 3.38%
    Cullowhee, NC (FHA|USDA|VA) » 1 $285,000 $285,000 $3,946 2.50%
    FORT COLLINS, CO (FHA|USDA|VA) » 1 $285,000 $285,000 $2,813 3.13%
    CORPUS CHRISTI, TX (FHA|USDA|VA) » 1 $275,000 $275,000 $4,525 2.88%
    SPARTANBURG, SC (FHA|USDA|VA) » 1 $275,000 $275,000 $1,288 4.25%
    Campbellsville, KY (FHA|USDA|VA) » 1 $275,000 $275,000 $2,400 3.13%
    Shelby, NC (FHA|USDA|VA) » 1 $265,000 $265,000 $2,548 2.63%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 2 $260,000 $130,000 $2,360 2.88%
    COLUMBUS, GA-AL (FHA|USDA|VA) » 1 $245,000 $245,000 $3,251 2.88%
    Richmond, IN (FHA|USDA|VA) » 1 $245,000 $245,000 $710 3.00%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) » 1 $245,000 $245,000 $3,906 2.63%
    HAMMOND, LA (FHA|USDA|VA) » 1 $235,000 $235,000 $3,594 2.50%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » 1 $235,000 $235,000 $8,461 2.75%
    Seymour, IN (FHA|USDA|VA) » 2 $230,000 $115,000 $1,180 2.81%
    READING, PA (FHA|USDA|VA) » 1 $225,000 $225,000 $3,977 3.13%
    Shelbyville, TN (FHA|USDA|VA) » 1 $215,000 $215,000 $3,784 3.63%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) » 3 $215,000 $71,667 $1,291 4.66%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) » 1 $215,000 $215,000 $1,920 3.13%
    BATON ROUGE, LA (FHA|USDA|VA) » 1 $215,000 $215,000 $7,275 2.88%
    Union City, TN (FHA|USDA|VA) » 2 $210,000 $105,000 $2,239 4.37%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) » 2 $210,000 $105,000 $2,635 3.31%
    Albertville, AL (FHA|USDA|VA) » 2 $210,000 $105,000 $3,267 2.44%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) » 1 $205,000 $205,000 $2,400 3.25%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) » 1 $195,000 $195,000 $2,644 2.50%
    Paris, TN (FHA|USDA|VA) » 1 $195,000 $195,000 $3,523 2.88%
    Danville, KY (FHA|USDA|VA) » 1 $195,000 $195,000 $2,314 3.25%
    JACKSON, TN (FHA|USDA|VA) » 1 $175,000 $175,000 $2,646 3.00%
    BLOOMINGTON, IL (FHA|USDA|VA) » 1 $165,000 $165,000 $2,782 2.88%
    Charleston-Mattoon, IL (FHA|USDA|VA) » 1 $165,000 $165,000 $1,964 2.63%
    Quincy, IL-MO (FHA|USDA|VA) » 1 $155,000 $155,000 $2,214 3.13%
    GAINESVILLE, FL (FHA|USDA|VA) » 1 $155,000 $155,000 $3,117 2.63%
    JONESBORO, AR (FHA|USDA|VA) » 1 $155,000 $155,000 $1,882 2.88%
    Celina, OH (FHA|USDA|VA) » 1 $155,000 $155,000 $3,519 2.75%
    MISSOULA, MT (FHA|USDA|VA) » 1 $155,000 $155,000 $500 5.99%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) » 1 $145,000 $145,000 $3,144 2.88%
    Ottawa, IL (FHA|USDA|VA) » 1 $135,000 $135,000 $407 2.75%
    MOBILE, AL (FHA|USDA|VA) » 1 $135,000 $135,000 $2,035 3.50%
    BINGHAMTON, NY (FHA|USDA|VA) » 1 $135,000 $135,000 $4,013 2.38%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » 1 $125,000 $125,000 $2,365 3.50%
    Murray, KY (FHA|USDA|VA) » 1 $125,000 $125,000 $2,872 3.13%
    MADISON, WI (FHA|USDA|VA) » 1 $115,000 $115,000 $2,464 2.88%
    MEDFORD, OR (FHA|USDA|VA) » 1 $115,000 $115,000 $1,760 2.38%
    Laurel, MS (FHA|USDA|VA) » 1 $105,000 $105,000 $2,600 3.25%
    DECATUR, AL (FHA|USDA|VA) » 1 $105,000 $105,000 $4,980 3.88%
    Sandusky, OH (FHA|USDA|VA) » 1 $105,000 $105,000 $2,928 2.38%
    Somerset, PA (FHA|USDA|VA) » 1 $105,000 $105,000 $3,396 2.63%
    WICHITA FALLS, TX (FHA|USDA|VA) » 1 $95,000 $95,000 $3,420 3.13%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) » 1 $95,000 $95,000 $400 2.88%
    Warsaw, IN (FHA|USDA|VA) » 1 $95,000 $95,000 $269 3.13%
    Scottsburg, IN (FHA|USDA|VA) » 1 $95,000 $95,000 $3,048 3.50%
    DAYTON-KETTERING, OH (FHA|USDA|VA) » 1 $85,000 $85,000 $1,554 2.25%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) » 1 $85,000 $85,000 $2,550 3.00%
    Mayfield, KY (FHA|USDA|VA) » 1 $85,000 $85,000 $279 2.75%
    Centralia, WA (FHA|USDA|VA) » 1 $75,000 $75,000 $523 5.99%
    Findlay, OH (FHA|USDA|VA) » 1 $75,000 $75,000 $1,655 5.49%
    JEFFERSON CITY, MO (FHA|USDA|VA) » 1 $75,000 $75,000 $1,956 3.88%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) » 1 $65,000 $65,000 $2,544 3.13%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) » 1 $65,000 $65,000 $775 2.25%
    Taylorville, IL (FHA|USDA|VA) » 1 $55,000 $55,000 $2,186 2.75%
    Sturgis, MI (FHA|USDA|VA) » 1 $45,000 $45,000 $440 4.49%
    Crawfordsville, IN (FHA|USDA|VA) » 1 $45,000 $45,000 $325 2.88%
    North Vernon, IN (FHA|USDA|VA) » 1 $45,000 $45,000 $235 5.49%
    Bedford, IN (FHA|USDA|VA) » 1 $45,000 $45,000 $1,289 5.99%
    WICHITA, KS (FHA|USDA|VA) » 1 $35,000 $35,000 $844 2.25%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 1 $35,000 $35,000 $0 4.75%

    Evansville Teachers's top markets include Evansville, Louisville/jefferson County, Nashville, Clarksville, and Owensboro among others.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 8,341 $2,134,065,000 $255,852 $2,146 3.15%
    FHA » 575 $100,465,000 $174,722 $5,767 2.97%
    USDA » 161 $24,665,000 $153,199 $4,049 2.79%
    VA » 158 $38,850,000 $245,886 $5,337 2.75%

    For the 2021 period, Evansville Teachers's most frequently originated loan type of loans were Conventional, with 8,341 originations. Their 2nd most popular type is FHA, with 575 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Home Purchase » 3,459 $842,835,000 $243,664 $3,465 3.06%
    Refi » 2,716 $663,890,000 $244,437 $2,145 2.87%
    Cash Out Refi » 2,358 $656,110,000 $278,249 $1,581 3.36%
    Home Improvement » 697 $98,445,000 $141,241 $1,345 3.63%
    NA » 3 $5,035,000 $1,678,333 $0 3.48%
    Other » 2 $31,730,000 $15,865,000 $0 3.58%

    For the 2021, Evansville Teachers's most frequently cited loan purpose of loans were Home Purchase, with 3,459 originations. The 2nd most popular reason of loans were Refi, with 2,716 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 4,808 $1,330,550,000 $276,737 $3,410 3.03%
    15 Year » 2,254 $320,690,000 $142,276 $1,181 3.28%
    10 Year » 1,181 $108,625,000 $91,977 $641 2.95%
    Other » 365 $67,295,000 $184,370 $1,329 3.96%
    20 Year » 314 $62,540,000 $199,172 $2,507 2.91%
    30+ year » 173 $106,035,000 $612,919 $4,673 3.11%
    5 Year » 124 $298,260,000 $2,405,323 $174 3.89%
    1 Year » 15 $3,765,000 $251,000 $0 3.98%
    3 Year » 1 $285,000 $285,000 $0 3.20%

    For the 2021, Evansville Teachers's most frequently cited loan length of loans were 30 Year, with 4,808 originations. The 2nd most popular length of loans were 15 Year, with 2,254 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $<1k » 6,046 $985,430,000 $162,989
    $1k-2k » 2,184 $776,040,000 $355,330
    $2k-3k » 221 $99,215,000 $448,937
    $3k-4k » 69 $39,785,000 $576,594
    $4k-5k » 31 $16,085,000 $518,871
    $5k+ » 22 $20,600,000 $936,364

    $3,410 of loans were Evansville Teachers's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 6,046 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% » 4,434 $1,110,190,000 $250,381
    3-4% » 3,145 $917,855,000 $291,846
    <2.5% » 957 $207,105,000 $216,411
    4-5% » 402 $48,050,000 $119,527
    5-6% » 296 $14,540,000 $49,122

    During 2021, Evansville Teachers's average interest rate of loans were 3.03%, while their most frequently originated rate bucket of loans were 2.5-3%, with 4,434 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k » 3,420 $498,150,000 $145,658 $2,266 3.02%
    $100,000 or less » 2,561 $155,835,000 $60,849 $1,137 3.44%
    $200k-400k » 2,241 $600,105,000 $267,784 $3,227 3.01%
    $400k-600k » 457 $221,365,000 $484,387 $3,961 2.99%
    $600k-1MM » 398 $298,080,000 $748,945 $4,775 2.87%
    $1MM+ » 158 $524,510,000 $3,319,684 $6,444 2.87%

    2021 saw Evansville Teachers place emphasis on $100k-200k loans with 3,420 originations, totaling $498,150,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k » 2,350 $341,750,000 $145,426 $2,298 3.08%
    $50k or less » 1,971 $217,275,000 $110,236 $2,206 3.03%
    $75k-100k » 1,632 $288,400,000 $176,716 $2,309 3.16%
    $100k-150k » 1,631 $355,075,000 $217,704 $2,324 3.23%
    $150k-250k » 771 $265,275,000 $344,066 $2,983 3.20%
    $250k+ » 692 $729,870,000 $1,054,725 $4,445 3.05%

    Evansville Teachers lent most frequently to those with incomes in the $50k-75k range, with 2,350 originations. The second most popular income band? $50k or less, with 1,971 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% » 2,475 $529,395,000 $213,897 $2,269 3.06%
    30-36% » 1,883 $411,725,000 $218,654 $2,500 3.14%
    <20% » 989 $203,735,000 $206,001 $2,034 2.92%
    42% » 363 $80,355,000 $221,364 $2,665 3.34%
    41% » 353 $69,725,000 $197,521 $2,514 3.24%
    38% » 340 $73,180,000 $215,235 $2,594 3.18%
    37% » 340 $71,050,000 $208,971 $2,401 3.27%
    36% » 335 $74,715,000 $223,030 $2,575 3.24%
    40% » 321 $66,315,000 $206,589 $2,623 3.27%
    39% » 315 $67,685,000 $214,873 $2,478 3.27%
    43% » 278 $54,880,000 $197,410 $2,831 3.21%
    45% » 225 $52,115,000 $231,622 $2,791 3.09%
    44% » 212 $53,850,000 $254,009 $2,891 3.13%
    46% » 141 $38,125,000 $270,390 $3,007 3.04%
    47% » 136 $30,550,000 $224,632 $2,903 3.07%
    48% » 118 $36,000,000 $305,085 $3,111 3.04%
    50-60% » 107 $24,755,000 $231,355 $4,692 3.01%
    49% » 106 $26,510,000 $250,094 $3,145 3.04%
    >60% » 74 $17,120,000 $231,351 $2,731 2.98%

    Evansville Teachers lent most frequently to those with DTI ratios of 20-30%, with 2,475 originations. The next most common DTI ratio? 30-36%, with 1,883 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 8,172 $1,895,750,000 $231,981 $2,384 3.13%
    Not provided » 505 $156,235,000 $309,376 $2,957 3.04%
    Not applicable » 116 $87,530,000 $754,569 $0 3.71%
    Black » 251 $57,895,000 $230,657 $3,733 3.11%
    Asian » 119 $56,035,000 $470,882 $3,901 2.97%
    Asian Indian » 36 $29,640,000 $823,333 $4,548 2.80%
    Other Asian » 10 $6,870,000 $687,000 $4,616 2.81%
    American Indian » 17 $3,675,000 $216,176 $2,517 3.07%
    Vietnamese » 2 $1,970,000 $985,000 $7,012 3.00%
    Native Hawaiian or Islander » 4 $1,030,000 $257,500 $2,271 3.97%
    Filipino » 1 $775,000 $775,000 $5,296 2.88%
    Japanese » 1 $435,000 $435,000 $8,261 3.38%
    Chinese » 1 $205,000 $205,000 $2,166 2.75%

    Approval Rates

    Total approvals of all applications
    92.89%

    Evansville Teachers has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.96%

    Evansville Teachers has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 9,235 $2,298,045,000 $248,841

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 9,235 $2,298,045,000 $248,841

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 821 $84,825,000 $103,319 $931 3.22%
    40-60% » 1,238 $264,770,000 $213,869 $1,677 2.86%
    60-80% » 3,110 $809,130,000 $260,170 $2,391 3.01%
    80-100% » 3,272 $852,650,000 $260,590 $3,387 3.04%
    Over 100% » 50 $251,280,000 $5,025,600 $10,622 2.99%
    Under 20% » 744 $35,390,000 $47,567 $299 4.32%