Inspire Home Loans Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 5493007VW2EU20PZYU97

Tax ID: 81-4312733

5 stars - Updated: 4/14/24 - out of 5 stars, based on 74 reviews

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

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Mortgage Data

Review & Overview

Inspire Home Loans is a small mortgage company specializing in Home Purchase loans. They have a a high proportion of FHA loans. Inspire Home Loans has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Denver, Phoenix, Las Vegas, and Houston among others. We have data for 104 markets. (Some data included below & more in-depth data is available with an active subscription.)

Inspire Home Loans 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. Inspire Home Loans is typically a high 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 relatively high 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.51% 4/14/24
30 Year Conventional Refi 6.66% 4/14/24
30 Year Cash-out Refi 6.64% 4/14/24
30 Year FHA Purchase 7.07% 4/14/24
30 Year FHA Refi 6.57% 4/14/24
30 Year VA Purchase 5.98% 4/14/24
30 Year USDA Purchase 6.83% 4/14/24
15 Year Conventional Purchase 6.12% 4/14/24
15 Year Conventional Refi 5.53% 4/14/24
15 Year Cash-out Refi 5.53% 4/14/24
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.

Inspire Home Loans Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Inspire Home Loans. 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

5,431

Origination Dollar Volume (All Markets)

$1,904,675,000
Show all (165) awards

Relative Rate

Inspire Home Loans's average 30 year fixed mortgage rate was 5.89%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.59%.

Relative Fees (Closing Costs)

Inspire Home Loans's average total fees/closing costs for a 30 year fixed rate mortgage were $8,707.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 491 $184,795,000 $376,365 $8,964 6.38%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 345 $179,395,000 $519,986 $7,478 5.71%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 519 $168,155,000 $323,998 $10,109 5.71%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 352 $156,550,000 $444,744 $8,940 5.81%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 380 $99,770,000 $262,553 $8,219 5.64%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 242 $78,930,000 $326,157 $8,469 6.22%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 272 $76,360,000 $280,735 $8,743 5.46%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 126 $68,330,000 $542,302 $10,376 6.08%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 151 $61,005,000 $404,007 $8,922 5.99%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 182 $56,960,000 $312,967 $9,733 5.59%
FRESNO, CA (FHA|USDA|VA) 131 $55,465,000 $423,397 $9,282 5.58%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 98 $49,360,000 $503,673 $11,128 5.52%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 83 $39,655,000 $477,771 $12,971 5.51%
VALLEJO, CA (FHA|USDA|VA) 51 $32,345,000 $634,216 $13,579 5.92%
GREELEY, CO (FHA|USDA|VA) 55 $28,345,000 $515,364 $7,301 5.73%
PROVO-OREM, UT (FHA|USDA|VA) 53 $27,995,000 $528,208 $6,963 5.70%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 80 $24,460,000 $305,750 $9,376 5.89%
JACKSONVILLE, FL (FHA|USDA|VA) 89 $23,695,000 $266,236 $7,207 5.84%
WINSTON-SALEM, NC (FHA|USDA|VA) 104 $23,350,000 $224,519 $7,048 6.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 51 $22,865,000 $448,333 $8,141 5.84%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 41 $20,735,000 $505,732 $9,584 5.64%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 91 $19,715,000 $216,648 $7,325 6.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 43 $19,605,000 $455,930 $10,267 5.35%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 73 $19,125,000 $261,986 $7,628 5.99%
MADERA, CA (FHA|USDA|VA) 44 $17,530,000 $398,409 $7,599 5.78%
MERCED, CA (FHA|USDA|VA) 33 $15,325,000 $464,394 $9,219 5.89%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 19 $13,965,000 $735,000 $12,908 6.32%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 24 $13,850,000 $577,083 $10,996 6.41%
FLORENCE, SC (FHA|USDA|VA) 58 $12,760,000 $220,000 $7,641 6.23%
ROCKY MOUNT, NC (FHA|USDA|VA) 49 $12,415,000 $253,367 $7,461 6.22%
Outside of Metro Areas 44 $12,200,000 $277,273 $7,914 6.10%
THE VILLAGES, FL (FHA|USDA|VA) 46 $11,660,000 $253,478 $8,940 6.12%
VISALIA, CA (FHA|USDA|VA) 29 $10,685,000 $368,448 $8,671 5.54%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 36 $10,250,000 $284,722 $9,263 5.45%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 40 $10,250,000 $256,250 $7,518 6.23%
Gaffney, SC (FHA|USDA|VA) 46 $10,100,000 $219,565 $6,926 5.99%
FLINT, MI (FHA|USDA|VA) 41 $10,015,000 $244,268 $6,465 5.95%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 34 $8,630,000 $253,824 $7,383 5.98%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 40 $8,200,000 $205,000 $7,467 5.97%
GAINESVILLE, GA (FHA|USDA|VA) 30 $8,010,000 $267,000 $7,731 7.66%
BOULDER, CO (FHA|USDA|VA) 13 $7,955,000 $611,923 $6,649 5.96%
PUNTA GORDA, FL (FHA|USDA|VA) 29 $7,605,000 $262,241 $8,752 6.44%
WARNER ROBINS, GA (FHA|USDA|VA) 32 $7,390,000 $230,938 $7,530 5.98%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 29 $7,255,000 $250,172 $7,990 5.45%
LOUISVILLE, KY (FHA|USDA|VA) 31 $7,105,000 $229,194 $6,729 5.92%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 33 $6,935,000 $210,152 $6,563 5.89%
Huntsville, TX (FHA|USDA|VA) 30 $6,900,000 $230,000 $7,530 5.58%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 29 $6,695,000 $230,862 $6,768 6.29%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 27 $6,455,000 $239,074 $6,766 5.85%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 25 $6,415,000 $256,600 $7,863 6.36%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 26 $5,710,000 $219,615 $6,030 5.80%
SPARTANBURG, SC (FHA|USDA|VA) 25 $5,565,000 $222,600 $7,501 6.10%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 20 $5,490,000 $274,500 $8,797 5.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 21 $5,355,000 $255,000 $7,621 5.99%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 20 $5,050,000 $252,500 $7,689 5.82%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 17 $5,045,000 $296,765 $10,846 6.32%
Kinston, NC (FHA|USDA|VA) 22 $4,590,000 $208,636 $7,504 5.95%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 20 $4,560,000 $228,000 $7,730 5.62%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 16 $4,420,000 $276,250 $7,265 6.34%
LAFAYETTE, LA (FHA|USDA|VA) 20 $4,130,000 $206,500 $6,914 5.68%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 13 $3,425,000 $263,462 $7,707 6.07%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 11 $3,225,000 $293,182 $8,667 5.45%
Palatka, FL (FHA|USDA|VA) 14 $3,210,000 $229,286 $7,208 5.82%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 11 $3,015,000 $274,091 $8,915 5.98%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $3,000,000 $750,000 $8,331 6.41%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $2,675,000 $297,222 $9,637 5.51%
Bay City, TX (FHA|USDA|VA) 12 $2,530,000 $210,833 $5,843 5.73%
OCALA, FL (FHA|USDA|VA) 12 $2,490,000 $207,500 $6,778 6.39%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $2,380,000 $595,000 $13,708 5.78%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $2,325,000 $258,333 $7,976 6.08%
BELLINGHAM, WA (FHA|USDA|VA) 5 $2,315,000 $463,000 $5,575 6.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $2,085,000 $297,857 $10,274 5.71%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 5 $2,045,000 $409,000 $9,529 5.60%
PANAMA CITY, FL (FHA|USDA|VA) 7 $1,875,000 $267,857 $7,485 5.59%
Albertville, AL (FHA|USDA|VA) 10 $1,760,000 $176,000 $6,095 6.26%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 8 $1,760,000 $220,000 $5,908 6.02%
BRUNSWICK, GA (FHA|USDA|VA) 6 $1,610,000 $268,333 $8,775 6.38%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 6 $1,410,000 $235,000 $8,182 5.75%
Georgetown, SC (FHA|USDA|VA) 7 $1,405,000 $200,714 $8,712 5.52%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,405,000 $281,000 $7,746 5.83%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,345,000 $448,333 $4,428 6.42%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $1,215,000 $243,000 $6,897 5.43%
Seneca, SC (FHA|USDA|VA) 5 $1,215,000 $243,000 $6,130 6.15%
Scottsburg, IN (FHA|USDA|VA) 6 $1,100,000 $183,333 $6,538 5.73%
Shelby, NC (FHA|USDA|VA) 6 $1,020,000 $170,000 $3,851 6.21%
NILES, MI (FHA|USDA|VA) 4 $930,000 $232,500 $7,029 5.88%
Clewiston, FL (FHA|USDA|VA) 4 $920,000 $230,000 $8,708 6.59%
St. Marys, GA (FHA|USDA|VA) 4 $900,000 $225,000 $7,298 6.19%
MUNCIE, IN (FHA|USDA|VA) 4 $860,000 $215,000 $5,987 5.31%
MONROE, MI (FHA|USDA|VA) 3 $745,000 $248,333 $6,525 7.38%
Lake City, FL (FHA|USDA|VA) 3 $705,000 $235,000 $8,149 5.71%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $645,000 $645,000 $8,891 8.13%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $590,000 $295,000 $9,530 5.69%
GADSDEN, AL (FHA|USDA|VA) 3 $495,000 $165,000 $5,699 5.33%
Wilson, NC (FHA|USDA|VA) 2 $400,000 $200,000 $4,423 5.44%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $320,000 $160,000 $4,130 5.88%
BURLINGTON, NC (FHA|USDA|VA) 1 $275,000 $275,000 $4,892 6.13%
GAINESVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $12,215 5.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $255,000 $255,000 $16,383 4.88%
LaGrange, GA-AL (FHA|USDA|VA) 1 $245,000 $245,000 $1,195 6.75%
HINESVILLE, GA (FHA|USDA|VA) 1 $235,000 $235,000 $7,845 4.88%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $235,000 $235,000 $8,223 5.50%
Richmond, IN (FHA|USDA|VA) 1 $195,000 $195,000 $9,460 4.75%
Connersville, IN (FHA|USDA|VA) 1 $195,000 $195,000 $6,412 4.88%
Inspire Home Loans's top markets include Atlanta, Denver, Phoenix, Las Vegas, and Houston among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against INSPIRE HOME LOANS 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
    FHA 2,543 $862,565,000 $339,192 $11,043 5.62%
    Conventional 1,951 $685,605,000 $351,412 $5,705 6.38%
    VA 911 $350,045,000 $384,243 $8,474 5.56%
    USDA 26 $6,460,000 $248,462 $7,479 6.00%

    For 2023, Inspire Home Loans's most frequently originated type of loan was FHA, with 2,543 originations. Their 2nd most popular type was Conventional, with 1,951 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,431 $1,904,675,000 $350,704 $8,677 5.89%

    For 2023, Inspire Home Loans's most frequently cited loan purpose was Home Purchase, with 5,431 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,391 $1,896,035,000 $351,704 $8,707 5.89%
    15 Year 40 $8,640,000 $216,000 $4,599 5.72%

    For 2023, Inspire Home Loans's most frequently cited loan duration was 30 Year, with 5,391 originations. The 2nd most popular length was 15 Year, with 40 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 4,027 $1,420,025,000 $352,626
    $5k+ 637 $243,435,000 $382,159
    $2k-3k 316 $101,350,000 $320,728
    $3k-4k 234 $74,970,000 $320,385
    $4k-5k 179 $55,775,000 $311,592
    $<1k 38 $9,120,000 $240,000

    Inspire Home Loans's average total fees were $8,707, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,027 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 2,960 $1,048,670,000 $354,280
    6-7% 1,224 $410,870,000 $335,678
    4-5% 695 $254,805,000 $366,626
    7-8% 474 $162,240,000 $342,278
    Over 8% 75 $27,785,000 $370,467
    3-4% 3 $305,000 $101,667

    During 2023, Inspire Home Loans's average interest rate for loans was 5.89%, while their most frequently originated rate bucket for loans was 5-6%, with 2,960 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,322 $957,380,000 $288,194 $8,383 5.90%
    $400k-600k 1,380 $667,410,000 $483,630 $10,164 5.77%
    $100k-200k 359 $59,835,000 $166,671 $4,896 6.06%
    $600k-1MM 310 $210,520,000 $679,097 $10,499 6.07%
    $100,000 or less 55 $4,195,000 $76,273 $3,372 5.96%
    $1MM+ 5 $5,335,000 $1,067,000 $10,948 6.15%

    2023 saw Inspire Home Loans place emphasis on $200k-400k loans with 3,322 originations, totaling $957,380,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,666 $641,660,000 $385,150 $9,303 5.85%
    $75k-100k 1,349 $430,875,000 $319,403 $8,959 5.77%
    $50k-75k 1,065 $270,115,000 $253,629 $7,839 5.79%
    $150k-250k 928 $425,520,000 $458,534 $8,905 6.11%
    $250k+ 224 $97,620,000 $435,804 $7,716 6.51%
    $50k or less 189 $34,195,000 $180,926 $5,840 5.74%

    Inspire Home Loans lent most frequently to those with incomes in the $100k-150k range, with 1,666 originations. The second most popular income band? $75k-100k, with 1,349 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 1,111 $411,275,000 $370,185 $10,838 5.61%
    30-36% 703 $238,155,000 $338,770 $7,906 5.97%
    20-30% 483 $152,525,000 $315,787 $6,944 6.00%
    49% 294 $104,530,000 $355,544 $8,447 5.97%
    47% 265 $92,705,000 $349,830 $8,391 5.98%
    46% 253 $91,425,000 $361,364 $9,001 5.88%
    44% 249 $90,015,000 $361,506 $8,297 6.01%
    48% 243 $89,495,000 $368,292 $8,257 5.94%
    45% 234 $82,200,000 $351,282 $8,834 5.97%
    43% 222 $80,470,000 $362,477 $8,325 5.90%
    41% 207 $71,485,000 $345,338 $8,417 5.89%
    42% 192 $66,420,000 $345,938 $7,751 6.01%
    40% 188 $64,450,000 $342,819 $8,175 5.91%
    39% 180 $63,450,000 $352,500 $8,835 5.89%
    37% 170 $57,210,000 $336,529 $8,335 5.98%
    38% 160 $56,930,000 $355,813 $7,960 6.00%
    36% 131 $47,075,000 $359,351 $8,273 5.79%
    <20% 111 $28,125,000 $253,378 $5,578 6.24%
    >60% 35 $16,735,000 $478,143 $12,845 5.40%

    Inspire Home Loans lent most frequently to those with DTI ratios of 50-60%, with 1,111 originations. The next most common DTI ratio? 30-36%, with 703 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,827 $955,585,000 $338,021 $8,489 5.80%
    Not provided 938 $329,650,000 $351,439 $9,030 5.85%
    Black 755 $247,265,000 $327,503 $9,174 5.83%
    Asian 505 $209,225,000 $414,307 $8,302 6.16%
    Asian Indian 216 $89,000,000 $412,037 $8,272 6.74%
    American Indian 89 $32,095,000 $360,618 $8,911 5.71%
    Filipino 41 $18,755,000 $457,439 $10,208 5.90%
    Other Asian 16 $6,210,000 $388,125 $8,395 5.73%
    Native Hawaiian or Islander 14 $5,950,000 $425,000 $10,871 5.71%
    Chinese 9 $3,655,000 $406,111 $8,840 6.35%
    Korean 8 $2,550,000 $318,750 $6,415 6.48%
    Vietnamese 4 $1,500,000 $375,000 $9,677 5.19%
    Other Pacific Islander 4 $1,420,000 $355,000 $10,318 5.66%
    Native Hawaiian 1 $625,000 $625,000 $4,722 5.88%
    Japanese 2 $420,000 $210,000 $3,911 7.13%
    Guamanian 1 $385,000 $385,000 $12,004 5.00%
    Samoan 1 $385,000 $385,000 $17,263 4.88%

    Approval Rates

    Total approvals of all applications
    90.69%

    Inspire Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    68.61%

    Inspire Home Loans has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,431 $1,904,675,000 $350,704

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,431 $1,904,675,000 $350,704

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 107 $15,135,000 $141,449 $4,273 5.90%
    40-60% 201 $48,425,000 $240,920 $4,989 6.09%
    60-80% 855 $285,535,000 $333,959 $6,084 6.38%
    80-100% 3,954 $1,439,270,000 $364,004 $9,161 5.80%
    Over 100% 295 $114,595,000 $388,458 $14,152 5.48%
    Under 20% 19 $1,715,000 $90,263 $3,410 5.77%