The Sacramento Deposit Bank Mortgage Rates, Fees & Info
Sacramento, KYLEI: 54930077RRQE77TVA474
Tax ID: 61-0328255
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The Sacramento Deposit Bank is a smaller bank specializing in Refi and Home Purchase loans. The Sacramento Deposit Bank has a high proportion of conventional loans. Their top markets by origination volume include: Madisonville, Owensboro, Central City, and Bowling Green among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)The Sacramento Deposit Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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 |
|---|---|---|
| 30 Year Conventional Purchase | 7.23% | 4/28/24 |
| 30 Year Conventional Refi | 6.79% | 4/28/24 |
| 15 Year Conventional Purchase | 7.35% | 4/28/24 |
| 15 Year Conventional Refi | 6.37% | 4/28/24 |
| 15 Year Cash-out Refi | 6.37% | 4/28/24 |
| 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. | ||
The Sacramento Deposit Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
80Origination Dollar Volume (All Markets)
$9,820,000Top 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 |
|---|---|---|---|---|---|
| Madisonville, KY (FHA|USDA|VA) | 29 | $4,075,000 | $140,517 | $0 | 0.00% |
| OWENSBORO, KY (FHA|USDA|VA) | 24 | $2,500,000 | $104,167 | $0 | 0.00% |
| Outside of Metro Areas | 17 | $2,375,000 | $139,706 | $0 | 0.00% |
| Central City, KY (FHA|USDA|VA) | 9 | $815,000 | $90,556 | $0 | 0.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against The Sacramento Deposit Bank 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 80 | $9,820,000 | $122,750 | $0 | 0.00% |
For 2022, The Sacramento Deposit Bank's most frequently originated type of loan was Conventional, with 80 originations.
Loan Reason
For 2022, The Sacramento Deposit Bank's most frequently cited loan purpose was Refi, with 36 originations. The 2nd most popular reason was Home Purchase, with 33 originations.
Loan Duration/Length
For 2022, The Sacramento Deposit Bank's most frequently cited loan duration was 30 Year, with 31 originations. The 2nd most popular length was Other, with 26 originations.
Loan Sizing
2022 saw The Sacramento Deposit Bank place emphasis on $100,000 or less loans with 45 originations, totaling $2,295,000 in origination value.
Applicant Income
The Sacramento Deposit Bank lent most frequently to those with incomes in the $50k-75k range, with 18 originations. The second most popular income band? $50k or less, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 80 | $9,820,000 | $122,750 | $0 | 0.00% |
The Sacramento Deposit Bank lent most frequently to those with DTI ratios of Exempt%, with 80 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 71 | $8,855,000 | $124,718 | $0 | 0.00% |
| Not applicable | 6 | $670,000 | $111,667 | $0 | 0.00% |
| Black | 3 | $295,000 | $98,333 | $0 | 0.00% |
Approval Rates
Total approvals of all applications97.67%
The Sacramento Deposit Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination95.00%
The Sacramento Deposit Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 80 | $9,820,000 | $122,750 |