City & Police Mortgage Rates, Fees & Info
Jacksonville, FLLEI: 5493008UAY9U03UGF223
Tax ID: 59-0307893
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Mortgage Data
Review & Overview
City & Police is a smaller mortgage company specializing in Home Improvement and Home Purchase loans. City & Police has a high proportion of conventional loans. Their top (well, only) market is Jacksonville.City & Police has an above average approval rate when compared to the average across all lenders.
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Originations
9Origination Dollar Volume (All Markets)
$1,395,000Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| JACKSONVILLE, FL (FHA|USDA|VA) | 9 | $1,395,000 | $155,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 9 | $1,395,000 | $155,000 | $0 | 0.00% |
For 2019, City & Police's most frequently originated type of loan was Conventional, with 9 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Improvement | 5 | $935,000 | $187,000 | $0 | 0.00% |
| Home Purchase | 4 | $460,000 | $115,000 | $0 | 0.00% |
For 2019, City & Police's most frequently cited loan purpose was Home Improvement, with 5 originations. The 2nd most popular reason was Home Purchase, with 4 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 9 | $1,395,000 | $155,000 | $0 | 0.00% |
For 2019, City & Police's most frequently cited loan duration was Other, with 9 originations.
Loan Sizing
2019 saw City & Police place emphasis on $100,000 or less loans with 4 originations, totaling $120,000 in origination value.
Applicant Income
City & Police lent most frequently to those with incomes in the $100k-150k range, with 3 originations. The second most popular income band? $75k-100k, with 3 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 9 | $1,395,000 | $155,000 | $0 | 0.00% |
City & Police lent most frequently to those with DTI ratios of Exempt%, with 9 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 8 | $1,370,000 | $171,250 | $0 | 0.00% |
| Black | 1 | $25,000 | $25,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications100.00%
City & Police has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 9 | $1,395,000 | $155,000 |