Cambria Financial Group Mortgage Rates, Fees & Info

Belle Plaine, MN

LEI: 5493008SV4X2EID9J711

Tax ID: 26-2926983

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Cambria Financial Group is a smaller mortgage company specializing in Refi and 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, Duluth, and Denver among others. We have data for 53 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 a low 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 6.79% 4/21/24
    30 Year Conventional Refi 6.64% 4/21/24
    30 Year Cash-out Refi 6.80% 4/21/24
    30 Year FHA Purchase 7.50% 4/21/24
    30 Year FHA Refi 7.00% 4/21/24
    30 Year VA Purchase 6.10% 4/21/24
    15 Year Conventional Purchase 6.12% 4/21/24
    15 Year Conventional Refi 6.39% 4/21/24
    15 Year Cash-out Refi 6.39% 4/21/24
    15 Year FHA Refi 5.68% 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.

    Cambria Financial Group Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Cambria Financial Group. 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

    2,089

    Origination Dollar Volume (All Markets)

    $547,095,000
    Show all (5) awards

    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) 1,752 $462,800,000 $264,155 $4,084 3.03%
    Outside of Metro Areas 96 $18,710,000 $194,896 $4,011 3.05%
    Brainerd, MN (FHA|USDA|VA) 26 $7,690,000 $295,769 $3,449 2.96%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 17 $6,355,000 $373,824 $3,764 2.98%
    DULUTH, MN-WI (FHA|USDA|VA) 16 $3,960,000 $247,500 $3,732 3.23%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $3,445,000 $382,778 $2,473 2.78%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 10 $3,240,000 $324,000 $4,394 3.09%
    Faribault-Northfield, MN (FHA|USDA|VA) 12 $2,920,000 $243,333 $4,318 3.28%
    MANKATO, MN (FHA|USDA|VA) 13 $2,865,000 $220,385 $4,472 3.18%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 8 $2,620,000 $327,500 $3,981 2.80%
    Grand Rapids, MN (FHA|USDA|VA) 10 $2,620,000 $262,000 $3,168 2.93%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $2,325,000 $332,143 $2,296 2.84%
    ST. CLOUD, MN (FHA|USDA|VA) 11 $2,325,000 $211,364 $5,121 2.94%
    Alexandria, MN (FHA|USDA|VA) 8 $2,060,000 $257,500 $3,404 3.03%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $1,990,000 $331,667 $4,614 2.71%
    ROCHESTER, MN (FHA|USDA|VA) 11 $1,805,000 $164,091 $3,412 3.06%
    BOULDER, CO (FHA|USDA|VA) 4 $1,710,000 $427,500 $2,521 2.88%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,510,000 $377,500 $4,488 2.75%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $1,225,000 $408,333 $2,787 2.75%
    Hutchinson, MN (FHA|USDA|VA) 6 $1,070,000 $178,333 $6,487 3.02%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $915,000 $305,000 $3,835 2.83%
    FARGO, ND-MN (FHA|USDA|VA) 3 $775,000 $258,333 $3,653 3.46%
    Red Wing, MN (FHA|USDA|VA) 4 $770,000 $192,500 $5,232 3.09%
    SIOUX FALLS, SD (FHA|USDA|VA) 2 $740,000 $370,000 $7,544 2.81%
    Owatonna, MN (FHA|USDA|VA) 3 $685,000 $228,333 $4,461 3.21%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $655,000 $218,333 $4,227 3.08%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $635,000 $211,667 $3,014 3.08%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $635,000 $211,667 $3,972 3.00%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $565,000 $188,333 $3,281 2.87%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $550,000 $275,000 $4,896 2.94%
    Marshall, MN (FHA|USDA|VA) 4 $530,000 $132,500 $2,922 3.10%
    Willmar, MN (FHA|USDA|VA) 2 $530,000 $265,000 $6,368 2.69%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $515,000 $515,000 $6,028 3.13%
    Worthington, MN (FHA|USDA|VA) 2 $510,000 $255,000 $5,019 3.12%
    Albert Lea, MN (FHA|USDA|VA) 2 $470,000 $235,000 $3,154 2.81%
    MADISON, WI (FHA|USDA|VA) 1 $425,000 $425,000 $2,670 3.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $420,000 $210,000 $3,602 3.03%
    Whitewater, WI (FHA|USDA|VA) 1 $345,000 $345,000 $2,820 3.63%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $345,000 $345,000 $2,170 3.13%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $315,000 $315,000 $3,056 2.25%
    LUBBOCK, TX (FHA|USDA|VA) 1 $295,000 $295,000 $8,572 3.38%
    New Ulm, MN (FHA|USDA|VA) 2 $290,000 $145,000 $3,352 3.31%
    Pella, IA (FHA|USDA|VA) 1 $285,000 $285,000 $3,015 2.88%
    GREELEY, CO (FHA|USDA|VA) 1 $225,000 $225,000 $2,900 2.38%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $225,000 $225,000 $4,376 4.25%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,633 3.50%
    Fergus Falls, MN (FHA|USDA|VA) 1 $205,000 $205,000 $2,512 2.99%
    Austin, MN (FHA|USDA|VA) 1 $185,000 $185,000 $4,642 2.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $4,509 2.25%
    Winona, MN (FHA|USDA|VA) 1 $135,000 $135,000 $6,727 3.38%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $125,000 $125,000 $2,712 2.25%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,906 2.88%
    Fairmont, MN (FHA|USDA|VA) 1 $85,000 $85,000 $4,003 3.25%
    Cambria Financial Group's top markets include Minneapolis, Brainerd, Dallas, Duluth, and Denver among others.

    Their top states include:
  • Minnesota (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • 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.

    Western National Bank
    Similarity Rank: 120
    NORTHWOODS
    Similarity Rank: 156
    SUPERIOR CHOICE
    Similarity Rank: 198
    The Miners National Bank of Eveleth
    Similarity Rank: 400
    AAXY L.L.C.
    Similarity Rank: 522
    Peoples Bank Midwest
    Similarity Rank: 608
    Beeline Loans, Inc.
    Similarity Rank: 989
    Liberty Bank Minnesota
    Similarity Rank: 1022
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1292
    Credence Funding Corporation
    Similarity Rank: 1320

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,879 $492,305,000 $262,004 $3,667 3.03%
    FHA 127 $30,255,000 $238,228 $8,815 3.13%
    VA 83 $24,535,000 $295,602 $5,681 2.73%

    For 2020, Cambria Financial Group's most frequently originated type of loan was Conventional, with 1,879 originations. Their 2nd most popular type was FHA, with 127 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,144 $300,340,000 $262,535 $3,409 2.93%
    Home Purchase 576 $154,340,000 $267,951 $5,381 3.12%
    Cash Out Refi 366 $91,670,000 $250,464 $4,019 3.17%
    Home Improvement 3 $745,000 $248,333 $3,755 3.04%

    For 2020, Cambria Financial Group's most frequently cited loan purpose was Refi, with 1,144 originations. The 2nd most popular reason was Home Purchase, with 576 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,560 $421,620,000 $270,269 $4,339 3.10%
    15 Year 285 $65,305,000 $229,140 $3,241 2.66%
    20 Year 189 $47,615,000 $251,931 $3,270 2.99%
    Other 33 $7,915,000 $239,848 $2,974 3.15%
    10 Year 22 $4,640,000 $210,909 $3,225 2.59%

    For 2020, Cambria Financial Group's most frequently cited loan duration was 30 Year, with 1,560 originations. The 2nd most popular length was 15 Year, with 285 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,492 $396,530,000 $265,771
    $2k-3k 237 $55,105,000 $232,511
    $3k-4k 195 $43,225,000 $221,667
    $4k-5k 81 $24,085,000 $297,346
    $5k+ 50 $18,980,000 $379,600
    $<1k 34 $9,170,000 $269,706

    Cambria Financial Group's average total fees were $4,339, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,492 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 985 $259,785,000 $263,741
    3-4% 774 $198,500,000 $256,460
    <2.5% 279 $77,615,000 $278,190
    4-5% 49 $10,755,000 $219,490
    5-6% 2 $440,000 $220,000

    During 2020, Cambria Financial Group's average interest rate for loans was 3.10%, while their most frequently originated rate bucket for loans was 2.5-3%, with 985 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,251 $351,125,000 $280,675 $4,172 3.01%
    $100k-200k 567 $90,555,000 $159,709 $3,667 3.06%
    $400k-600k 223 $101,465,000 $455,000 $4,607 2.98%
    $100,000 or less 48 $3,950,000 $82,292 $3,215 3.35%

    2020 saw Cambria Financial Group place emphasis on $200k-400k loans with 1,251 originations, totaling $351,125,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 511 $150,875,000 $295,254 $3,986 3.01%
    $50k-75k 491 $101,095,000 $205,896 $3,994 3.10%
    $75k-100k 408 $100,530,000 $246,397 $4,268 3.06%
    $150k-250k 341 $114,385,000 $335,440 $3,849 2.94%
    $50k or less 255 $48,925,000 $191,863 $4,354 3.03%
    $250k+ 83 $31,285,000 $376,928 $3,832 2.91%

    Cambria Financial Group lent most frequently to those with incomes in the $100k-150k range, with 511 originations. The second most popular income band? $50k-75k, with 491 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 536 $142,370,000 $265,616 $3,673 2.94%
    30-36% 389 $101,235,000 $260,244 $3,894 3.07%
    <20% 241 $64,095,000 $265,954 $3,507 2.93%
    37% 87 $19,685,000 $226,264 $3,964 3.06%
    36% 85 $22,715,000 $267,235 $3,969 3.05%
    44% 84 $23,040,000 $274,286 $4,285 3.13%
    40% 73 $17,785,000 $243,630 $4,968 3.24%
    42% 70 $19,640,000 $280,571 $4,742 3.14%
    41% 67 $16,395,000 $244,701 $4,466 3.07%
    39% 67 $17,735,000 $264,701 $4,526 3.08%
    38% 63 $16,525,000 $262,302 $4,212 3.10%
    43% 61 $15,685,000 $257,131 $4,478 3.19%
    49% 47 $12,245,000 $260,532 $4,371 3.09%
    45% 46 $12,540,000 $272,609 $4,826 3.02%
    48% 41 $10,935,000 $266,707 $5,262 3.04%
    46% 40 $10,800,000 $270,000 $5,241 3.06%
    47% 37 $8,905,000 $240,676 $4,557 3.27%
    50-60% 9 $2,415,000 $268,333 $6,749 3.28%

    Cambria Financial Group lent most frequently to those with DTI ratios of 20-30%, with 536 originations. The next most common DTI ratio? 30-36%, with 389 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,692 $442,730,000 $261,661 $4,048 3.03%
    Not provided 167 $46,375,000 $277,695 $3,809 2.99%
    Asian 122 $28,300,000 $231,967 $3,557 3.01%
    Black 90 $24,020,000 $266,889 $5,392 3.09%
    American Indian 8 $2,590,000 $323,750 $3,744 3.09%
    Other Asian 5 $1,455,000 $291,000 $4,993 3.27%
    Asian Indian 4 $1,290,000 $322,500 $4,356 2.97%
    Korean 1 $335,000 $335,000 $3,331 2.88%

    Approval Rates

    Total approvals of all applications
    94.13%

    Cambria Financial Group has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.36%

    Cambria Financial Group has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,089 $547,095,000 $261,893

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 2,089 $547,095,000 $261,893

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 49 $8,005,000 $163,367 $3,063 2.87%
    40-60% 360 $82,650,000 $229,583 $3,063 2.83%
    60-80% 970 $263,320,000 $271,464 $3,624 3.04%
    80-100% 699 $189,575,000 $271,209 $5,135 3.13%
    Over 100% 9 $3,415,000 $379,444 $13,121 2.81%
    Under 20% 2 $130,000 $65,000 $3,100 3.06%