Cambria Financial Group Mortgage Rates, Fees & Info
Belle Plaine, MNLEI: 5493008SV4X2EID9J711
Tax ID: 26-2926983
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Mortgage Data
Review & Overview
Cambria Financial Group is a smaller mortgage company specializing in Home Purchase loans. Cambria Financial Group has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Minneapolis, Brainerd, Dallas, Mankato, and Grand Rapids among others. We have data for 35 markets. (Some data included below & more in-depth data is available with an active subscription.)Cambria Financial Group 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. Cambria Financial Group 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 | 6.79% | 4/18/24 |
| 30 Year Conventional Refi | 6.64% | 4/18/24 |
| 30 Year Cash-out Refi | 6.80% | 4/18/24 |
| 30 Year FHA Purchase | 7.50% | 4/18/24 |
| 30 Year FHA Refi | 7.00% | 4/18/24 |
| 30 Year VA Purchase | 6.10% | 4/18/24 |
| 15 Year Conventional Purchase | 6.12% | 4/18/24 |
| 15 Year Conventional Refi | 6.39% | 4/18/24 |
| 15 Year Cash-out Refi | 6.39% | 4/18/24 |
| 15 Year FHA Refi | 5.68% | 4/18/24 |
| 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. | ||
Cambria Financial Group Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
696Origination Dollar Volume (All Markets)
$157,800,000Awards
Cambria Financial Group - 2018
Cambria Financial Group is a 2018 , due to their low .
For 2018, 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 |
|---|---|---|---|---|---|
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 551 | $127,505,000 | $231,407 | $5,250 | 4.86% |
| Outside of Metro Areas | 41 | $6,395,000 | $155,976 | $4,484 | 4.85% |
| Brainerd, MN (FHA|USDA|VA) | 12 | $3,190,000 | $265,833 | $4,147 | 4.59% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,145,000 | $306,429 | $6,122 | 4.16% |
| MANKATO, MN (FHA|USDA|VA) | 10 | $2,030,000 | $203,000 | $4,905 | 4.73% |
| Grand Rapids, MN (FHA|USDA|VA) | 8 | $1,740,000 | $217,500 | $3,881 | 5.50% |
| DULUTH, MN-WI (FHA|USDA|VA) | 10 | $1,670,000 | $167,000 | $3,567 | 5.33% |
| ST. CLOUD, MN (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $5,347 | 4.82% |
| ROCHESTER, MN (FHA|USDA|VA) | 7 | $1,405,000 | $200,714 | $6,136 | 4.57% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $4,579 | 3.72% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $3,367 | 3.78% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $9,205 | 4.41% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $2,663 | 4.54% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,304 | 4.00% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $6,611 | 4.46% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,921 | 4.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,802 | 4.38% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,989 | 5.00% |
| Marshall, MN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,946 | 5.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,240 | 4.38% |
| Willmar, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,194 | 4.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,700 | 3.88% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,460 | 4.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,794 | 4.38% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,782 | 4.13% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,134 | 4.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,180 | 5.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,782 | 4.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,062 | 4.63% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,149 | 3.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,241 | 4.50% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,565 | 4.88% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,681 | 4.25% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,494 | 5.25% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,663 | 4.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Cambria Financial Group 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 | 478 | $110,910,000 | $232,029 | $4,302 | 4.87% |
| FHA | 172 | $36,270,000 | $210,872 | $7,711 | 4.79% |
| VA | 46 | $10,620,000 | $230,870 | $4,135 | 4.58% |
For 2018, Cambria Financial Group's most frequently originated type of loan was Conventional, with 478 originations. Their 2nd most popular type was FHA, with 172 originations.
Loan Reason
For 2018, Cambria Financial Group's most frequently cited loan purpose was Home Purchase, with 539 originations. The 2nd most popular reason was Cash Out Refi, with 90 originations.
Loan Duration/Length
For 2018, Cambria Financial Group's most frequently cited loan duration was 30 Year, with 634 originations. The 2nd most popular length was 15 Year, with 25 originations.
Origination Fees/Closing Costs
Cambria Financial Group's average total fees were $5,269, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 434 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 457 | $108,055,000 | $236,444 |
| 5-6% | 183 | $36,585,000 | $199,918 |
| 3-4% | 44 | $11,600,000 | $263,636 |
| 6-7% | 11 | $1,345,000 | $122,273 |
| 2.5-3% | 1 | $215,000 | $215,000 |
During 2018, Cambria Financial Group's average interest rate for loans was 4.86%, while their most frequently originated rate bucket for loans was 4-5%, with 457 originations.
Loan Sizing
2018 saw Cambria Financial Group place emphasis on $200k-400k loans with 351 originations, totaling $95,335,000 in origination value.
Applicant Income
Cambria Financial Group lent most frequently to those with incomes in the $50k-75k range, with 231 originations. The second most popular income band? $50k or less, with 147 originations.
Applicant Debt to Income Ratio
Cambria Financial Group lent most frequently to those with DTI ratios of 30-36%, with 115 originations. The next most common DTI ratio? 20-30%, with 101 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.60%
Cambria Financial Group has an average approval rate.
Pick Rate
Approvals leading to origination51.01%
Cambria Financial Group 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 | 696 | $157,800,000 | $226,724 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $125,000 | $125,000 |
| Single Family (1-4 Units):Site-Built | 695 | $157,675,000 | $226,871 |