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 Home Purchase and Refi 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, Dallas, Faribault, Brainerd, and Mankato among others. We have data for 51 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% 12/16/24
    30 Year Conventional Refi 6.64% 12/16/24
    30 Year Cash-out Refi 6.80% 12/16/24
    30 Year FHA Purchase 7.50% 12/16/24
    30 Year FHA Refi 7.00% 12/16/24
    30 Year VA Purchase 6.10% 12/16/24
    15 Year Conventional Purchase 6.12% 12/16/24
    15 Year Conventional Refi 6.39% 12/16/24
    15 Year Cash-out Refi 6.39% 12/16/24
    15 Year FHA Refi 5.68% 12/16/24
    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

    1,538

    Origination Dollar Volume (All Markets)

    $423,600,000

    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) 1,282 $359,450,000 $280,382 $4,396 2.97%
    Outside of Metro Areas 77 $15,785,000 $205,000 $3,999 3.01%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 13 $4,495,000 $345,769 $4,433 2.80%
    Faribault-Northfield, MN (FHA|USDA|VA) 11 $3,605,000 $327,727 $5,344 2.97%
    Brainerd, MN (FHA|USDA|VA) 13 $3,125,000 $240,385 $3,609 2.78%
    MANKATO, MN (FHA|USDA|VA) 13 $2,975,000 $228,846 $3,943 3.05%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 10 $2,910,000 $291,000 $4,175 2.79%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $2,825,000 $403,571 $6,246 2.84%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $2,660,000 $332,500 $4,293 2.69%
    DULUTH, MN-WI (FHA|USDA|VA) 8 $1,970,000 $246,250 $3,765 3.00%
    ROCHESTER, MN (FHA|USDA|VA) 11 $1,805,000 $164,091 $3,093 2.99%
    BOULDER, CO (FHA|USDA|VA) 4 $1,590,000 $397,500 $2,344 2.40%
    Grand Rapids, MN (FHA|USDA|VA) 6 $1,490,000 $248,333 $2,798 3.23%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,460,000 $365,000 $2,323 2.41%
    JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,250,000 $312,500 $4,077 3.16%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,045,000 $348,333 $4,673 2.79%
    Fergus Falls, MN (FHA|USDA|VA) 4 $1,010,000 $252,500 $3,767 2.66%
    ST. CLOUD, MN (FHA|USDA|VA) 5 $1,005,000 $201,000 $5,016 2.80%
    Hutchinson, MN (FHA|USDA|VA) 6 $980,000 $163,333 $3,953 3.10%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $830,000 $207,500 $4,134 2.44%
    Owatonna, MN (FHA|USDA|VA) 4 $780,000 $195,000 $4,292 2.84%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $770,000 $385,000 $3,643 2.50%
    Alexandria, MN (FHA|USDA|VA) 3 $585,000 $195,000 $4,314 2.90%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $580,000 $290,000 $2,413 2.56%
    AMES, IA (FHA|USDA|VA) 2 $550,000 $275,000 $2,840 2.69%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 2 $550,000 $275,000 $4,793 3.06%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $545,000 $545,000 $5,461 2.63%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $520,000 $260,000 $2,508 2.37%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $500,000 $250,000 $3,028 3.63%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $490,000 $245,000 $3,948 2.63%
    GREELEY, CO (FHA|USDA|VA) 1 $465,000 $465,000 $3,210 2.25%
    Willmar, MN (FHA|USDA|VA) 2 $400,000 $200,000 $5,221 3.13%
    Marshall, MN (FHA|USDA|VA) 2 $370,000 $185,000 $2,911 2.69%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $365,000 $365,000 $6,160 2.63%
    Whitewater, WI (FHA|USDA|VA) 1 $345,000 $345,000 $2,345 2.75%
    Winona, MN (FHA|USDA|VA) 1 $335,000 $335,000 $3,016 2.88%
    Red Wing, MN (FHA|USDA|VA) 1 $325,000 $325,000 $3,557 2.88%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,129 2.50%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,864 2.88%
    MADISON, WI (FHA|USDA|VA) 1 $265,000 $265,000 $2,195 2.49%
    Spirit Lake, IA (FHA|USDA|VA) 1 $255,000 $255,000 $3,435 2.88%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $255,000 $255,000 $3,380 3.25%
    RACINE, WI (FHA|USDA|VA) 1 $235,000 $235,000 $2,205 3.13%
    Albert Lea, MN (FHA|USDA|VA) 1 $225,000 $225,000 $2,920 2.75%
    RAPID CITY, SD (FHA|USDA|VA) 1 $225,000 $225,000 $7,400 3.88%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $195,000 $195,000 $141 2.25%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $165,000 $165,000 $3,804 3.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,842 3.38%
    Worthington, MN (FHA|USDA|VA) 1 $125,000 $125,000 $3,683 3.38%
    Mason City, IA (FHA|USDA|VA) 1 $115,000 $115,000 $2,995 3.13%
    Fairmont, MN (FHA|USDA|VA) 1 $75,000 $75,000 $3,812 3.38%
    Cambria Financial Group's top markets include Minneapolis, Dallas, Faribault, Brainerd, and Mankato 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.

    NORTHWOODS
    Similarity Rank: 303
    Western National Bank
    Similarity Rank: 368
    SUPERIOR CHOICE
    Similarity Rank: 464
    AAXY L.L.C.
    Similarity Rank: 540
    Farmers & Merchants Savings Bank
    Similarity Rank: 720
    Anoka Hennepin Credit Union
    Similarity Rank: 826
    Manufacturers Bank & Trust Company
    Similarity Rank: 882
    WNB Financial, N.A.
    Similarity Rank: 900
    U S WIDE FINANCIAL LLC
    Similarity Rank: 924
    National Bank of Commerce
    Similarity Rank: 935

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,383 $378,125,000 $273,409 $3,901 2.97%
    FHA 97 $26,505,000 $273,247 $9,154 2.95%
    VA 58 $18,970,000 $327,069 $6,373 2.58%

    For 2021, Cambria Financial Group's most frequently originated type of loan was Conventional, with 1,383 originations. Their 2nd most popular type was FHA, with 97 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 646 $195,080,000 $301,981 $5,300 3.03%
    Refi 578 $147,090,000 $254,481 $3,348 2.81%
    Cash Out Refi 313 $81,295,000 $259,728 $4,122 3.06%
    Home Improvement 1 $135,000 $135,000 $4,391 3.15%

    For 2021, Cambria Financial Group's most frequently cited loan purpose was Home Purchase, with 646 originations. The 2nd most popular reason was Refi, with 578 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,218 $346,250,000 $284,278 $4,587 3.04%
    15 Year 177 $41,265,000 $233,136 $3,295 2.51%
    20 Year 110 $28,600,000 $260,000 $3,311 2.82%
    10 Year 21 $4,175,000 $198,810 $3,113 2.34%
    Other 12 $3,310,000 $275,833 $4,323 3.00%

    For 2021, Cambria Financial Group's most frequently cited loan duration was 30 Year, with 1,218 originations. The 2nd most popular length was 15 Year, with 177 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,127 $306,205,000 $271,699
    $2k-3k 170 $47,140,000 $277,294
    $3k-4k 102 $25,000,000 $245,098
    $4k-5k 72 $22,410,000 $311,250
    $5k+ 53 $18,725,000 $353,302
    $<1k 12 $3,420,000 $285,000

    Cambria Financial Group's average total fees were $4,587, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,127 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 718 $202,910,000 $282,604
    3-4% 553 $147,365,000 $266,483
    <2.5% 251 $69,765,000 $277,948
    4-5% 16 $3,560,000 $222,500

    During 2021, Cambria Financial Group's average interest rate for loans was 3.04%, while their most frequently originated rate bucket for loans was 2.5-3%, with 718 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 873 $248,275,000 $284,393 $4,562 2.98%
    $100k-200k 406 $64,520,000 $158,916 $3,389 2.95%
    $400k-600k 221 $105,405,000 $476,946 $5,128 2.87%
    $100,000 or less 34 $2,790,000 $82,059 $3,245 2.96%
    $600k-1MM 4 $2,610,000 $652,500 $12,782 3.00%

    2021 saw Cambria Financial Group place emphasis on $200k-400k loans with 873 originations, totaling $248,275,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 372 $115,110,000 $309,435 $4,349 2.93%
    $50k-75k 372 $86,500,000 $232,527 $4,466 3.02%
    $75k-100k 292 $75,000,000 $256,849 $4,496 2.98%
    $150k-250k 245 $85,335,000 $348,306 $4,331 2.94%
    $50k or less 184 $32,180,000 $174,891 $3,824 2.93%
    $250k+ 73 $29,475,000 $403,767 $4,040 2.78%

    Cambria Financial Group lent most frequently to those with incomes in the $100k-150k range, with 372 originations. The second most popular income band? $50k-75k, with 372 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 353 $97,145,000 $275,198 $3,959 2.88%
    30-36% 301 $82,465,000 $273,970 $4,265 2.97%
    <20% 139 $39,755,000 $286,007 $3,466 2.77%
    42% 68 $18,980,000 $279,118 $4,501 3.04%
    44% 64 $15,790,000 $246,719 $4,934 3.12%
    43% 61 $15,915,000 $260,902 $4,070 3.05%
    41% 61 $16,585,000 $271,885 $4,728 3.09%
    40% 58 $15,510,000 $267,414 $4,330 2.96%
    39% 54 $14,770,000 $273,519 $5,153 3.04%
    38% 52 $14,800,000 $284,615 $4,830 2.91%
    36% 51 $13,725,000 $269,118 $4,262 3.05%
    37% 50 $14,730,000 $294,600 $4,107 3.02%
    46% 43 $12,045,000 $280,116 $5,024 3.03%
    45% 38 $10,890,000 $286,579 $4,678 3.06%
    47% 38 $11,550,000 $303,947 $4,748 2.98%
    48% 37 $10,605,000 $286,622 $5,666 3.07%
    49% 37 $10,355,000 $279,865 $5,277 3.05%
    50-60% 11 $2,805,000 $255,000 $6,514 3.07%

    Cambria Financial Group lent most frequently to those with DTI ratios of 20-30%, with 353 originations. The next most common DTI ratio? 30-36%, with 301 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,190 $328,400,000 $275,966 $4,295 2.95%
    Not provided 118 $32,610,000 $276,356 $3,829 2.92%
    Black 102 $30,570,000 $299,706 $6,019 3.07%
    Asian 108 $27,070,000 $250,648 $3,585 2.95%
    American Indian 11 $2,665,000 $242,273 $4,434 2.97%
    Other Asian 3 $805,000 $268,333 $3,138 2.96%
    Asian Indian 3 $785,000 $261,667 $3,955 2.88%
    Native Hawaiian or Islander 2 $420,000 $210,000 $6,637 2.95%
    Vietnamese 1 $275,000 $275,000 $3,503 2.75%

    Approval Rates

    Total approvals of all applications
    93.76%

    Cambria Financial Group has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.75%

    Cambria Financial Group has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,538 $423,600,000 $275,423

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,538 $423,600,000 $275,423

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 54 $8,660,000 $160,370 $3,032 2.64%
    40-60% 262 $61,040,000 $232,977 $3,319 2.78%
    60-80% 658 $189,550,000 $288,070 $3,923 3.00%
    80-100% 553 $161,065,000 $291,257 $5,299 3.02%
    Over 100% 7 $2,505,000 $357,857 $13,118 2.70%
    Under 20% 4 $780,000 $195,000 $3,379 2.66%