Evansville Teachers Mortgage Rates, Fees & Info
Evansville, INLEI: 54930072OCHTUJOZQB56
Tax ID: 35-0885388
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Mortgage Data
Review & Overview
Evansville Teachers is a smaller mortgage company specializing in Home Purchase and Refi loans. Evansville Teachers 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: Evansville, Louisville, Owensboro, Nashville, and Jackson among others. We have data for 125 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 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.99% | 12/16/24 |
| 30 Year Conventional Purchase | 6.29% | 12/16/24 |
| 30 Year Conventional Refi | 6.33% | 12/16/24 |
| 30 Year Cash-out Refi | 6.24% | 12/16/24 |
| 30 Year FHA Purchase | 7.59% | 12/16/24 |
| 30 Year FHA Refi | 7.12% | 12/16/24 |
| 30 Year VA Purchase | 6.50% | 12/16/24 |
| 30 Year USDA Purchase | 6.83% | 12/16/24 |
| 15 Year Conventional Purchase | 6.62% | 12/16/24 |
| 15 Year Conventional Refi | 6.52% | 12/16/24 |
| 15 Year Cash-out Refi | 6.52% | 12/16/24 |
| 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. | ||
Evansville Teachers Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,835Origination Dollar Volume (All Markets)
$769,835,000Awards
EVANSVILLE TEACHERS - 2019
EVANSVILLE TEACHERS 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 |
|---|---|---|---|---|---|
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1,951 | $261,375,000 | $133,970 | $1,743 | 4.19% |
| LOUISVILLE, KY (FHA|USDA|VA) | 474 | $117,010,000 | $246,857 | $3,337 | 4.35% |
| OWENSBORO, KY (FHA|USDA|VA) | 706 | $96,470,000 | $136,643 | $2,819 | 4.30% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 204 | $66,590,000 | $326,422 | $3,388 | 3.99% |
| Outside of Metro Areas | 519 | $58,045,000 | $111,840 | $2,104 | 4.30% |
| JACKSON, MS (FHA|USDA|VA) | 120 | $24,670,000 | $205,583 | $3,878 | 4.16% |
| Vincennes, IN (FHA|USDA|VA) | 188 | $17,350,000 | $92,287 | $1,384 | 4.34% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 71 | $14,295,000 | $201,338 | $3,001 | 4.27% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 68 | $14,060,000 | $206,765 | $3,041 | 4.07% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 63 | $10,545,000 | $167,381 | $4,967 | 4.16% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $6,350,000 | $1,058,333 | $6,343 | 4.19% |
| PITTSBURGH, PA (FHA|USDA|VA) | 30 | $5,570,000 | $185,667 | $4,530 | 3.70% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 30 | $5,550,000 | $185,000 | $1,962 | 4.14% |
| Washington, IN (FHA|USDA|VA) | 43 | $4,685,000 | $108,953 | $1,474 | 3.95% |
| Jasper, IN (FHA|USDA|VA) | 27 | $3,555,000 | $131,667 | $1,767 | 4.07% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 15 | $2,625,000 | $175,000 | $3,967 | 4.37% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 12 | $2,530,000 | $210,833 | $3,251 | 4.37% |
| Madisonville, KY (FHA|USDA|VA) | 24 | $2,270,000 | $94,583 | $1,910 | 4.31% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $2,135,000 | $711,667 | $4,669 | 3.58% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $2,105,000 | $300,714 | $3,329 | 4.61% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 10 | $2,050,000 | $205,000 | $2,833 | 4.57% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $1,915,000 | $1,915,000 | $7,094 | 3.13% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 15 | $1,905,000 | $127,000 | $1,956 | 4.23% |
| Glasgow, KY (FHA|USDA|VA) | 13 | $1,895,000 | $145,769 | $3,821 | 3.96% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 9 | $1,725,000 | $191,667 | $3,631 | 4.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $4,021 | 4.33% |
| Bardstown, KY (FHA|USDA|VA) | 9 | $1,445,000 | $160,556 | $5,018 | 4.32% |
| HATTIESBURG, MS (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $4,090 | 4.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $2,422 | 4.46% |
| Central City, KY (FHA|USDA|VA) | 16 | $1,380,000 | $86,250 | $1,682 | 4.31% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 15 | $1,345,000 | $89,667 | $6,061 | 4.06% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $5,875 | 4.63% |
| Oxford, MS (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $3,862 | 4.19% |
| Richmond-Berea, KY (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $3,638 | 4.25% |
| Mount Sterling, KY (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $3,090 | 4.35% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $3,069 | 3.67% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 7 | $905,000 | $129,286 | $4,990 | 4.09% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,588 | 4.08% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $2,488 | 3.91% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $5,584 | 4.06% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $2,572 | 3.58% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $1,786 | 4.28% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $0 | 4.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,713 | 3.88% |
| Columbus, MS (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,393 | 3.56% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $4,894 | 4.41% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,648 | 3.88% |
| Paducah, KY-IL (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $3,480 | 4.05% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $6,881 | 5.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $2,800 | 4.37% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,872 | 4.29% |
| Lewisburg, TN (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,293 | 3.75% |
| Cleveland, MS (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,163 | 4.04% |
| Frankfort, KY (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $3,239 | 4.28% |
| Edwards, CO (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,776 | 3.50% |
| Danville, KY (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,640 | 4.31% |
| Lawrenceburg, TN (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,603 | 3.92% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,485 | 3.94% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,506 | 4.69% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,536 | 4.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $6,878 | 4.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $1,812 | 4.04% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $9,658 | 3.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,883 | 4.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,890 | 3.75% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,958 | 3.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,465 | 3.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $1,056 | 4.83% |
| Mount Vernon, IL (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $1,100 | 3.96% |
| Meridian, MS (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,925 | 3.50% |
| BEND, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,690 | 4.50% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,334 | 4.25% |
| Madison, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,911 | 5.12% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,753 | 4.50% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,252 | 3.75% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $1,043 | 4.87% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,196 | 4.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,474 | 3.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,715 | 4.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,943 | 4.38% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $545 | 3.83% |
| TYLER, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,849 | 4.50% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,153 | 4.00% |
| Peru, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,300 | 5.13% |
| Richmond, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,396 | 2.88% |
| Indianola, MS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,249 | 4.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,120 | 4.50% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,268 | 3.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,845 | 4.13% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,955 | 3.13% |
| Effingham, IL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,004 | 4.13% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,410 | 3.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,827 | 4.38% |
| Mayfield, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,942 | 4.50% |
| Somerset, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,909 | 4.50% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,775 | 3.88% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,837 | 4.38% |
| Burlington, IA-IL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,440 | 4.19% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,928 | 3.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,262 | 4.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,149 | 4.13% |
| Athens, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,945 | 4.38% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,853 | 4.00% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,867 | 4.00% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,190 | 4.38% |
| Centralia, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,211 | 4.63% |
| Albertville, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,536 | 4.88% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,981 | 3.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,455 | 4.88% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,677 | 3.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,222 | 3.50% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $1,295 | 4.18% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,502 | 3.50% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,130 | 5.75% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,110 | 3.88% |
| Marion, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $725 | 4.63% |
| Brownsville, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,639 | 3.88% |
| New Castle, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,324 | 3.63% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,060 | 4.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,357 | 4.50% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $516 | 5.49% |
| Danville, VA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,321 | 5.99% |
| Bedford, IN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $211 | 4.99% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $934 | 3.38% |
Similar Lenders
We use machine learning to identify the top lenders compared against EVANSVILLE TEACHERS 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
For 2019, Evansville Teachers's most frequently originated type of loan was Conventional, with 4,018 originations. Their 2nd most popular type was FHA, with 568 originations.
Loan Reason
For 2019, Evansville Teachers's most frequently cited loan purpose was Home Purchase, with 2,589 originations. The 2nd most popular reason was Cash Out Refi, with 1,433 originations.
Loan Duration/Length
For 2019, Evansville Teachers's most frequently cited loan duration was 30 Year, with 2,930 originations. The 2nd most popular length was 15 Year, with 1,264 originations.
Origination Fees/Closing Costs
Evansville Teachers's average total fees were $3,208, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,461 originations.
Interest Rates
During 2019, Evansville Teachers's average interest rate for loans was 4.14%, while their most frequently originated rate bucket for loans was 3-4%, with 2,283 originations.
Loan Sizing
2019 saw Evansville Teachers place emphasis on $100k-200k loans with 1,897 originations, totaling $276,985,000 in origination value.
Applicant Income
Evansville Teachers lent most frequently to those with incomes in the $50k or less range, with 1,302 originations. The second most popular income band? $50k-75k, with 1,265 originations.
Applicant Debt to Income Ratio
Evansville Teachers lent most frequently to those with DTI ratios of 20-30%, with 1,169 originations. The next most common DTI ratio? 30-36%, with 980 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.36%
Evansville Teachers has an average approval rate.
Pick Rate
Approvals leading to origination77.08%
Evansville Teachers has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,835 | $769,835,000 | $159,221 |