Data Mortgage Rates, Fees & Info
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Mortgage Data
Review & Overview
Data Mortgage is a smaller mortgage company specializing in Home Purchase loans. Data Mortgage has a high proportion of conventional loans. They have an average proportion of FHA 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: Las Vegas, Los Angeles, Sacramento, Riverside, and Phoenix among others. We have data for 122 markets. (Some data included below & more in-depth data is available with an active subscription.)Data Mortgage 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. Data Mortgage 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 | 6.55% | 5/27/23 |
| 30 Year Conventional Refi | 6.62% | 5/27/23 |
| 30 Year Cash-out Refi | 6.87% | 5/27/23 |
| 30 Year FHA Purchase | 7.86% | 5/27/23 |
| 30 Year FHA Refi | 7.11% | 5/27/23 |
| 30 Year VA Purchase | 6.55% | 5/27/23 |
| 30 Year VA Refi | 6.27% | 5/27/23 |
| 30 Year USDA Purchase | 7.11% | 5/27/23 |
| 15 Year Conventional Purchase | 6.65% | 5/27/23 |
| 15 Year Conventional Refi | 6.27% | 5/27/23 |
| 15 Year Cash-out Refi | 6.27% | 5/27/23 |
| 15 Year FHA Purchase | 8.62% | 5/27/23 |
| 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. | ||
Data Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,067Origination Dollar Volume (All Markets)
$357,305,000Relative Rate
Data Mortgage's average 30 year fixed mortgage rate was
5.17%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.41%.
Relative Fees (Closing Costs)
Data Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,429.
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 $4,750.
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 |
|---|---|---|---|---|---|
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 332 | $98,890,000 | $297,861 | $9,282 | 5.37% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 122 | $65,100,000 | $533,607 | $11,359 | 5.02% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 105 | $40,535,000 | $386,048 | $8,193 | 5.03% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 56 | $23,450,000 | $418,750 | $9,123 | 4.71% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 46 | $14,720,000 | $320,000 | $9,961 | 5.84% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 43 | $12,155,000 | $282,674 | $7,373 | 5.72% |
| Outside of Metro Areas | 40 | $8,900,000 | $222,500 | $8,412 | 5.87% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 29 | $7,325,000 | $252,586 | $7,902 | 3.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 16 | $7,320,000 | $457,500 | $13,087 | 4.74% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 26 | $6,630,000 | $255,000 | $9,102 | 5.89% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 7 | $3,685,000 | $526,429 | $14,147 | 5.82% |
| YUBA CITY, CA (FHA|USDA|VA) | 8 | $2,860,000 | $357,500 | $8,314 | 5.25% |
| PROVO-OREM, UT (FHA|USDA|VA) | 8 | $2,840,000 | $355,000 | $4,342 | 4.67% |
| SALINAS, CA (FHA|USDA|VA) | 5 | $2,805,000 | $561,000 | $13,894 | 5.15% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $2,720,000 | $453,333 | $4,775 | 4.31% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $2,360,000 | $393,333 | $9,139 | 5.48% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $2,340,000 | $585,000 | $10,471 | 4.86% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $2,115,000 | $423,000 | $15,424 | 5.22% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $2,090,000 | $348,333 | $13,405 | 5.78% |
| Pahrump, NV (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $12,860 | 5.10% |
| ST. CLOUD, MN (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $7,504 | 5.55% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $12,545 | 4.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $1,505,000 | $215,000 | $6,579 | 5.84% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $6,507 | 4.78% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $9,382 | 5.63% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $7,148 | 5.30% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $10,224 | 4.52% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $17,531 | 6.21% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $1,085,000 | $155,000 | $4,876 | 5.13% |
| RENO, NV (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $14,539 | 6.17% |
| Clearlake, CA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $6,961 | 3.69% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $12,483 | 3.56% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $9,140 | 4.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $8,139 | 4.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $2,444 | 4.08% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $0 | 5.41% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $5,808 | 3.63% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $9,665 | 5.56% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $6,325 | 3.50% |
| LONGVIEW, WA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $6,024 | 4.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $10,468 | 5.30% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $6,557 | 3.56% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $9,136 | 6.19% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $16,424 | 4.41% |
| REDDING, CA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $9,681 | 3.94% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $27,711 | 4.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,610 | 5.44% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $6,550 | 2.96% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,900 | 4.66% |
| CHICO, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $21,856 | 6.77% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,137 | 4.25% |
| MERCED, CA (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $4,867 | 3.20% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,156 | 5.63% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $17,641 | 5.25% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,528 | 5.67% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,629 | 5.74% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 4.31% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $12,640 | 5.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,995 | 5.50% |
| BEND, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $9,945 | 5.38% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,431 | 4.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 4.14% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $14,850 | 4.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $10,516 | 6.13% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $14,149 | 4.75% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,207 | 5.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 4.97% |
| Sterling, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,511 | 5.13% |
| OCALA, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,978 | 4.13% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,958 | 3.50% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,746 | 3.75% |
| Elko, NV (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $13,639 | 5.63% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,918 | 5.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,768 | 5.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,832 | 8.00% |
| Fallon, NV (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,656 | 6.63% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,556 | 6.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $15,090 | 6.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,288 | 3.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,786 | 6.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 6.82% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,617 | 4.13% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,960 | 6.13% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 7.50% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,164 | 2.25% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,193 | 4.38% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.46% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,263 | 3.88% |
| FLINT, MI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,420 | 2.31% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,055 | 4.63% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.90% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,320 | 6.63% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,135 | 5.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,836 | 5.38% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.28% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,149 | 1.88% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,616 | 6.13% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,824 | 6.13% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,278 | 4.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,708 | 6.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,844 | 5.50% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.94% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.50% |
| TULSA, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,896 | 3.50% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $3,585 | 2.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,142 | 4.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,139 | 6.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,388 | 7.25% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,643 | 5.50% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,506 | 5.75% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,098 | 6.50% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,834 | 6.63% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,237 | 4.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,426 | 7.50% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
| Sonora, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,853 | 3.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,518 | 3.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,086 | 4.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $5,051 | 7.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against DATA MORTGAGE 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 2022, Data Mortgage's most frequently originated type of loan was Conventional, with 687 originations. Their 2nd most popular type was FHA, with 242 originations.
Loan Reason
For 2022, Data Mortgage's most frequently cited loan purpose was Home Purchase, with 799 originations. The 2nd most popular reason was Cash Out Refi, with 165 originations.
Loan Duration/Length
For 2022, Data Mortgage's most frequently cited loan duration was 30 Year, with 939 originations. The 2nd most popular length was Other, with 66 originations.
Origination Fees/Closing Costs
Data Mortgage's average total fees were $9,429, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 354 originations.
Interest Rates
During 2022, Data Mortgage's average interest rate for loans was 5.17%, while their most frequently originated rate bucket for loans was 5-6%, with 363 originations.
Loan Sizing
2022 saw Data Mortgage place emphasis on $200k-400k loans with 540 originations, totaling $164,560,000 in origination value.
Applicant Income
Data Mortgage lent most frequently to those with incomes in the $50k-75k range, with 223 originations. The second most popular income band? $75k-100k, with 211 originations.
Applicant Debt to Income Ratio
Data Mortgage lent most frequently to those with DTI ratios of 50-60%, with 129 originations. The next most common DTI ratio? 30-36%, with 100 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.17%
Data Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination64.85%
Data Mortgage 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 | 1,067 | $357,305,000 | $334,869 |