City & Police Mortgage Rates, Fees & Info
Jacksonville, FLLEI: 5493008UAY9U03UGF223
Tax ID: 59-0307893
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
City & Police is a smaller mortgage company specializing in Cash Out Refi and Home Improvement 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
11Origination Dollar Volume (All Markets)
$2,095,000Top 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 |
|---|---|---|---|---|---|
| JACKSONVILLE, FL (FHA|USDA|VA) | 11 | $2,095,000 | $190,455 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 11 | $2,095,000 | $190,455 | $0 | 0.00% |
For 2021, City & Police's most frequently originated type of loan was Conventional, with 11 originations.
Loan Reason
For 2021, City & Police's most frequently cited loan purpose was Cash Out Refi, with 7 originations. The 2nd most popular reason was Home Purchase, with 2 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 11 | $2,095,000 | $190,455 | $0 | 0.00% |
For 2021, City & Police's most frequently cited loan duration was Other, with 11 originations.
Loan Sizing
2021 saw City & Police place emphasis on $100,000 or less loans with 5 originations, totaling $205,000 in origination value.
Applicant Income
City & Police lent most frequently to those with incomes in the $150k-250k range, with 4 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% | 11 | $2,095,000 | $190,455 | $0 | 0.00% |
City & Police lent most frequently to those with DTI ratios of Exempt%, with 11 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 8 | $1,420,000 | $177,500 | $0 | 0.00% |
| Black | 3 | $675,000 | $225,000 | $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 | 11 | $2,095,000 | $190,455 |