Evansville Teachers Mortgage Rates, Fees & Info

Evansville, IN

LEI: 54930072OCHTUJOZQB56

Tax ID: 35-0885388

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

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, 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 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.

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
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






Your Estimates

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This is not an official calculator from Evansville Teachers. 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

9,235

Origination Dollar Volume (All Markets)

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

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, KY (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, Nashville, Clarksville, and Owensboro among others.

Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,808 $2,091,300,000 $267,841 $2,146 3.13%
    FHA 575 $100,465,000 $174,722 $5,767 2.97%
    HELOC 533 $42,765,000 $80,235 n/a 3.48%
    USDA 161 $24,665,000 $153,199 $4,049 2.79%
    VA 158 $38,850,000 $245,886 $5,337 2.75%

    For 2021, Evansville Teachers's most frequently originated type of loan was Conventional, with 7,808 originations. Their 2nd most popular type was FHA, with 575 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Evansville Teachers's most frequently cited loan purpose was Home Purchase, with 3,459 originations. The 2nd most popular reason was 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 2021, Evansville Teachers's most frequently cited loan duration was 30 Year, with 4,808 originations. The 2nd most popular length was 15 Year, with 2,254 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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

    Evansville Teachers's average total fees were $3,410, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.03%, while their most frequently originated rate bucket for loans was 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%