The Mortgage Firm Rates, Fees & Info
LOXAHATCHEE, FLLEI: 5493007CXTOHZ2JBEJ61
Tax ID: 59-3345547
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Mortgage Data
Review & Overview
The Mortgage Firm is a mid-sized mortgage company specializing in Home Purchase and Refi loans. The Mortgage Firm 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: Orlando, Miami, Tampa, Palm Bay, and Lakeland among others. We have data for 121 markets. (Some data included below & more in-depth data is available with an active subscription.)The Mortgage Firm 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. The Mortgage Firm is typically an average 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.95% | 4/21/24 |
| 30 Year Conventional Refi | 6.77% | 4/21/24 |
| 30 Year Cash-out Refi | 7.01% | 4/21/24 |
| 30 Year FHA Purchase | 7.61% | 4/21/24 |
| 30 Year FHA Refi | 7.32% | 4/21/24 |
| 30 Year VA Purchase | 6.51% | 4/21/24 |
| 30 Year VA Refi | 6.60% | 4/21/24 |
| 30 Year USDA Purchase | 6.95% | 4/21/24 |
| 15 Year Conventional Purchase | 6.34% | 4/21/24 |
| 15 Year Conventional Refi | 6.41% | 4/21/24 |
| 15 Year Cash-out Refi | 6.41% | 4/21/24 |
| 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 Mortgage Firm Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
13,945Origination Dollar Volume (All Markets)
$3,491,395,000Awards
THE MORTGAGE FIRM - 2020
THE MORTGAGE FIRM 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 |
|---|---|---|---|---|---|
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2,733 | $705,095,000 | $257,993 | $5,279 | 3.23% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1,973 | $610,305,000 | $309,328 | $5,412 | 3.23% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1,581 | $380,025,000 | $240,370 | $5,345 | 3.31% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1,387 | $344,255,000 | $248,201 | $5,145 | 3.19% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1,294 | $255,410,000 | $197,380 | $5,275 | 3.29% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 946 | $247,570,000 | $261,702 | $5,139 | 3.20% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 672 | $155,280,000 | $231,071 | $4,661 | 3.22% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 656 | $146,010,000 | $222,576 | $4,871 | 3.22% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 299 | $78,985,000 | $264,164 | $5,352 | 3.22% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 253 | $60,175,000 | $237,846 | $4,158 | 2.99% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 231 | $57,875,000 | $250,541 | $5,383 | 3.25% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 159 | $43,545,000 | $273,868 | $5,338 | 3.18% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 142 | $42,040,000 | $296,056 | $5,453 | 3.11% |
| GAINESVILLE, FL (FHA|USDA|VA) | 185 | $36,735,000 | $198,568 | $4,800 | 3.35% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 171 | $36,105,000 | $211,140 | $5,326 | 3.32% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 97 | $29,585,000 | $305,000 | $5,165 | 3.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 96 | $26,520,000 | $276,250 | $5,038 | 3.25% |
| OCALA, FL (FHA|USDA|VA) | 130 | $23,770,000 | $182,846 | $5,117 | 3.32% |
| Outside of Metro Areas | 82 | $19,800,000 | $241,463 | $4,821 | 3.18% |
| THE VILLAGES, FL (FHA|USDA|VA) | 72 | $15,790,000 | $219,306 | $4,617 | 3.29% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 75 | $15,065,000 | $200,867 | $4,703 | 3.14% |
| Calhoun, GA (FHA|USDA|VA) | 73 | $14,095,000 | $193,082 | $4,965 | 3.17% |
| ROME, GA (FHA|USDA|VA) | 58 | $11,240,000 | $193,793 | $4,145 | 3.14% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 41 | $11,215,000 | $273,537 | $4,798 | 2.82% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 42 | $8,950,000 | $213,095 | $5,518 | 3.17% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 44 | $7,400,000 | $168,182 | $4,548 | 3.32% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 31 | $7,225,000 | $233,065 | $5,251 | 3.20% |
| Key West, FL (FHA|USDA|VA) | 16 | $6,380,000 | $398,750 | $6,020 | 3.35% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 21 | $6,115,000 | $291,190 | $4,646 | 3.15% |
| GAINESVILLE, GA (FHA|USDA|VA) | 25 | $6,035,000 | $241,400 | $5,508 | 3.20% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 20 | $4,430,000 | $221,500 | $4,265 | 2.91% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 16 | $4,340,000 | $271,250 | $4,780 | 3.42% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 16 | $3,590,000 | $224,375 | $7,773 | 3.10% |
| PANAMA CITY, FL (FHA|USDA|VA) | 13 | $3,515,000 | $270,385 | $4,965 | 2.96% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 20 | $3,450,000 | $172,500 | $5,217 | 2.94% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 13 | $3,005,000 | $231,154 | $5,054 | 3.36% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 17 | $2,775,000 | $163,235 | $4,743 | 3.26% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 9 | $2,375,000 | $263,889 | $6,044 | 3.14% |
| SAVANNAH, GA (FHA|USDA|VA) | 9 | $2,345,000 | $260,556 | $5,382 | 3.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 9 | $2,255,000 | $250,556 | $4,938 | 3.08% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 8 | $2,130,000 | $266,250 | $5,453 | 2.66% |
| Lake City, FL (FHA|USDA|VA) | 10 | $2,000,000 | $200,000 | $4,221 | 3.55% |
| Milledgeville, GA (FHA|USDA|VA) | 6 | $1,920,000 | $320,000 | $5,489 | 3.17% |
| DALTON, GA (FHA|USDA|VA) | 8 | $1,870,000 | $233,750 | $3,438 | 3.27% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 8 | $1,760,000 | $220,000 | $4,541 | 3.58% |
| Jefferson, GA (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $6,175 | 3.37% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 7 | $1,625,000 | $232,143 | $3,255 | 2.95% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 8 | $1,580,000 | $197,500 | $3,909 | 2.97% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $3,884 | 3.41% |
| COLUMBIA, SC (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $4,355 | 3.37% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $3,330 | 3.19% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $6,902 | 3.00% |
| Cedartown, GA (FHA|USDA|VA) | 7 | $1,375,000 | $196,429 | $5,274 | 3.16% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $5,672 | 2.72% |
| Wauchula, FL (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $4,939 | 3.31% |
| Arcadia, FL (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $4,765 | 3.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,565 | 2.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $5,544 | 3.25% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,035 | 3.04% |
| Okeechobee, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,000 | 3.08% |
| Palatka, FL (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $5,973 | 3.53% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $3,021 | 2.91% |
| GREENVILLE, NC (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,067 | 2.92% |
| Statesboro, GA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $4,158 | 3.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $4,975 | 2.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $12,971 | 3.13% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,009 | 2.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,810 | 2.81% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,108 | 3.38% |
| Newberry, SC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,032 | 2.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,400 | 3.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,046 | 2.69% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,059 | 2.63% |
| Wilson, NC (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $5,172 | 3.04% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,786 | 2.75% |
| Cullman, AL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $580 | 2.25% |
| Clewiston, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,742 | 2.87% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,733 | 2.29% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $15,356 | 3.50% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,706 | 3.31% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,581 | 2.99% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,471 | 3.38% |
| Lewisburg, TN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,220 | 3.50% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,855 | 3.13% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,771 | 3.06% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,989 | 2.75% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,831 | 2.56% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,338 | 3.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,128 | 2.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,343 | 2.99% |
| Seneca, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,330 | 3.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,869 | 3.25% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,129 | 2.94% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,622 | 2.75% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,711 | 2.38% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,385 | 3.25% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,634 | 3.38% |
| Dayton, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,459 | 2.99% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,218 | 2.88% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,383 | 2.88% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,978 | 2.88% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,457 | 3.50% |
| Brevard, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,224 | 3.00% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,172 | 2.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,124 | 2.88% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,277 | 3.50% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,141 | 2.63% |
| Shelby, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,030 | 2.25% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,818 | 2.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,891 | 2.88% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,696 | 2.75% |
| Washington, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,725 | 2.75% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,844 | 2.88% |
| Sanford, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,997 | 3.00% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,422 | 3.88% |
| Tifton, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,882 | 3.63% |
| Marion, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,981 | 3.13% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,345 | 3.75% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,370 | 2.00% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,745 | 3.25% |
| Cordele, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,099 | 4.38% |
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Product Mix
For 2020, The Mortgage Firm's most frequently originated type of loan was Conventional, with 10,515 originations. Their 2nd most popular type was FHA, with 2,199 originations.
Loan Reason
For 2020, The Mortgage Firm's most frequently cited loan purpose was Home Purchase, with 8,617 originations. The 2nd most popular reason was Refi, with 3,906 originations.
Loan Duration/Length
For 2020, The Mortgage Firm's most frequently cited loan duration was 30 Year, with 12,449 originations. The 2nd most popular length was 15 Year, with 1,069 originations.
Origination Fees/Closing Costs
The Mortgage Firm's average total fees were $5,340, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 9,579 originations.
Interest Rates
During 2020, The Mortgage Firm's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 3-4%, with 7,736 originations.
Loan Sizing
2020 saw The Mortgage Firm place emphasis on $200k-400k loans with 7,285 originations, totaling $2,006,235,000 in origination value.
Applicant Income
The Mortgage Firm lent most frequently to those with incomes in the $50k-75k range, with 3,470 originations. The second most popular income band? $100k-150k, with 2,847 originations.
Applicant Debt to Income Ratio
The Mortgage Firm lent most frequently to those with DTI ratios of 20-30%, with 2,655 originations. The next most common DTI ratio? 30-36%, with 2,332 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.05%
The Mortgage Firm has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination78.36%
The Mortgage Firm has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 2 | $190,000 | $95,000 |
| 150.0 | 5 | $515,000 | $103,000 |
| NA | 13,938 | $3,490,690,000 | $250,444 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 233 | $31,075,000 | $133,369 |
| Single Family (1-4 Units):Site-Built | 13,712 | $3,460,320,000 | $252,357 |