Data Mortgage Rates, Fees & Info
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Mortgage Data
Review & Overview
Data Mortgage is a smaller mortgage company specializing in Home Purchase and Refi loans. Data Mortgage has a high proportion of conventional loans. They have a a high proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Las Vegas, Riverside, Sacramento, and Dallas among others. We have data for 62 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 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.
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 | 7.08% | 5/11/25 |
| 30 Year Conventional Refi | 7.32% | 5/11/25 |
| 30 Year Cash-out Refi | 7.90% | 5/11/25 |
| 30 Year FHA Purchase | 7.88% | 5/11/25 |
| 30 Year FHA Refi | 6.90% | 5/11/25 |
| 30 Year VA Purchase | 6.54% | 5/11/25 |
| 30 Year VA Refi | 6.31% | 5/11/25 |
| 30 Year USDA Purchase | 6.72% | 5/11/25 |
| 15 Year Conventional Purchase | 5.97% | 5/11/25 |
| 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
308Origination Dollar Volume (All Markets)
$130,530,000Awards
DATA MORTGAGE - 2024
DATA MORTGAGE is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Data Mortgage's average 30 year fixed mortgage rate was
6.68%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.13%.
Relative Fees (Closing Costs)
Data Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,970.
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 $8,356.
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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 70 | $45,880,000 | $655,429 | $12,075 | 6.72% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 89 | $31,815,000 | $357,472 | $9,846 | 6.76% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 31 | $14,395,000 | $464,355 | $11,391 | 6.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 13 | $5,165,000 | $397,308 | $7,952 | 7.34% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,255,000 | $322,143 | $11,173 | 6.79% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 6 | $2,060,000 | $343,333 | $8,775 | 6.04% |
| Outside of Metro Areas | 7 | $1,755,000 | $250,714 | $8,896 | 6.11% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $14,362 | 6.96% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $17,379 | 7.06% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $7,854 | 7.40% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $1,290,000 | $645,000 | $6,807 | 5.75% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $16,524 | 7.19% |
| Pahrump, NV (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $10,318 | 6.78% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $11,236 | 6.63% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $11,136 | 7.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $28,708 | 6.63% |
| SALEM, OR (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $6,081 | 4.42% |
| RENO, NV (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $9,673 | 6.19% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $9,246 | 6.29% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $10,581 | 6.56% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $7,175 | 5.46% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $14,070 | 6.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,609 | 6.88% |
| Fernley, NV (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $9,785 | 5.75% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $28,791 | 5.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,233 | 5.00% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $7,077 | 7.67% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,461 | 8.25% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $11,340 | 6.25% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $18,823 | 6.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $18,572 | 6.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,768 | 6.13% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,824 | 3.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,301 | 7.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,004 | 7.06% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,980 | 6.25% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,061 | 6.63% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,894 | 6.25% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,412 | 3.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,928 | 3.63% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,196 | 5.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,240 | 5.99% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,689 | 5.75% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $15,286 | 6.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,241 | 5.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,803 | 5.99% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $15,695 | 6.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,234 | 6.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,730 | 6.25% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,282 | 6.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,047 | 6.75% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,586 | 5.99% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,471 | 4.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,624 | 7.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,934 | 7.13% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $13,608 | 6.13% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,818 | 6.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,468 | 3.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,780 | 3.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,435 | 6.13% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,676 | 6.25% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,909 | 8.75% |
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.
Similarity Rank: 36
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 171 | $74,345,000 | $434,766 | $9,578 | 7.08% |
| FHA | 124 | $50,440,000 | $406,774 | $11,783 | 6.05% |
| VA | 13 | $5,745,000 | $441,923 | $5,930 | 5.99% |
For 2024, Data Mortgage's most frequently originated type of loan was Conventional, with 171 originations. Their 2nd most popular type was FHA, with 124 originations.
Loan Reason
For 2024, Data Mortgage's most frequently cited loan purpose was Home Purchase, with 180 originations. The 2nd most popular reason was Refi, with 86 originations.
Loan Duration/Length
For 2024, Data Mortgage's most frequently cited loan duration was 30 Year, with 282 originations. The 2nd most popular length was Other, with 12 originations.
Origination Fees/Closing Costs
Data Mortgage's average total fees were $10,970, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 102 originations.
Interest Rates
During 2024, Data Mortgage's average interest rate for loans was 6.68%, while their most frequently originated rate bucket for loans was 6-7%, with 145 originations.
Loan Sizing
2024 saw Data Mortgage place emphasis on $200k-400k loans with 114 originations, totaling $34,690,000 in origination value.
Applicant Income
Data Mortgage lent most frequently to those with incomes in the $150k-250k range, with 76 originations. The second most popular income band? $100k-150k, with 59 originations.
Applicant Debt to Income Ratio
Data Mortgage lent most frequently to those with DTI ratios of 30-36%, with 33 originations. The next most common DTI ratio? 50-60%, with 25 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.57%
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 origination42.86%
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 | 308 | $130,530,000 | $423,799 |