Lendingone Mortgage Rates, Fees & Info

DOVER, DE

LEI: 54930091JQKCU3Z6IP44

Tax ID: 47-1760589

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Lendingone is a small mortgage company specializing in Cash Out Refi and Home Purchase loans. Lendingone has a high proportion of conventional loans. Their top markets by origination volume include: Atlanta, Jacksonville, Nashville, New York, and Hilton Head Island among others. We have data for 271 markets. (Some data included below & more in-depth data is available with an active subscription.)

Lendingone has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. 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	6.72%	4/5/25
30 Year Conventional Refi	6.72%	4/5/25
30 Year Cash-out Refi	6.72%	4/5/25
15 Year Conventional Purchase	6.00%	4/5/25
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.

Lendingone Mortgage Calculator

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This is not an official calculator from Lendingone. 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

2,564

Origination Dollar Volume (All Markets)

$1,282,300,000

Relative Rate

Lendingone's average 30 year fixed mortgage rate was 7.04%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.49%.

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
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	185	$124,995,000	$675,649	$0	8.66%
JACKSONVILLE, FL (FHA\|USDA\|VA)	35	$84,955,000	$2,427,286	$0	8.28%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	7	$60,015,000	$8,573,571	$0	7.58%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	95	$57,535,000	$605,632	$0	9.03%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$56,705,000	$56,705,000	$0	9.27%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	67	$55,145,000	$823,060	$0	8.71%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	6	$50,190,000	$8,365,000	$0	8.15%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	22	$42,450,000	$1,929,545	$0	8.48%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	149	$34,825,000	$233,725	$0	8.60%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	29	$33,705,000	$1,162,241	$0	7.52%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	19	$33,665,000	$1,771,842	$0	7.77%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	9	$30,655,000	$3,406,111	$0	7.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	23	$27,935,000	$1,214,565	$0	8.03%
GAINESVILLE, FL (FHA\|USDA\|VA)	2	$27,850,000	$13,925,000	$0	8.13%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$24,005,000	$24,005,000	$0	6.43%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	27	$23,435,000	$867,963	$0	7.85%
Easton, MD (FHA\|USDA\|VA)	1	$20,565,000	$20,565,000	$0	6.35%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	42	$18,650,000	$444,048	$0	8.54%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	88	$15,340,000	$174,318	$0	8.16%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	53	$15,115,000	$285,189	$0	8.20%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	8	$13,790,000	$1,723,750	$0	7.30%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	50	$12,820,000	$256,400	$0	7.77%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	68	$12,500,000	$183,824	$0	7.65%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	19	$12,235,000	$643,947	$0	7.67%
HUNTSVILLE, AL (FHA\|USDA\|VA)	34	$11,420,000	$335,882	$0	7.49%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	41	$10,135,000	$247,195	$0	8.08%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	24	$9,270,000	$386,250	$0	7.80%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	55	$9,065,000	$164,818	$0	8.35%
SAVANNAH, GA (FHA\|USDA\|VA)	32	$8,530,000	$266,563	$0	8.13%
Seneca, SC (FHA\|USDA\|VA)	9	$8,455,000	$939,444	$0	8.38%
COLUMBUS, OH (FHA\|USDA\|VA)	27	$8,425,000	$312,037	$0	7.34%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	32	$8,390,000	$262,188	$0	7.48%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	2	$8,080,000	$4,040,000	$0	6.61%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	53	$7,805,000	$147,264	$0	8.44%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	47	$7,625,000	$162,234	$0	7.38%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	11	$7,515,000	$683,182	$0	9.19%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	17	$7,495,000	$440,882	$0	9.06%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	38	$7,320,000	$192,632	$0	7.59%
TUCSON, AZ (FHA\|USDA\|VA)	16	$7,260,000	$453,750	$0	6.92%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	40	$6,910,000	$172,750	$0	8.87%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	34	$6,790,000	$199,706	$0	8.41%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	12	$6,610,000	$550,833	$0	8.36%
KNOXVILLE, TN (FHA\|USDA\|VA)	26	$6,290,000	$241,923	$0	8.83%
RICHMOND, VA (FHA\|USDA\|VA)	13	$5,995,000	$461,154	$0	7.52%
COLUMBIA, SC (FHA\|USDA\|VA)	21	$5,955,000	$283,571	$0	9.56%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	16	$5,950,000	$371,875	$0	8.12%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	25	$5,825,000	$233,000	$0	7.86%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	12	$5,650,000	$470,833	$0	8.78%
Outside of Metro Areas	25	$5,345,000	$213,800	$0	8.31%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	17	$5,155,000	$303,235	$0	9.29%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	3	$5,065,000	$1,688,333	$0	9.14%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	14	$4,880,000	$348,571	$0	8.06%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	15	$4,745,000	$316,333	$0	7.49%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	22	$4,040,000	$183,636	$0	8.97%
MONTGOMERY, AL (FHA\|USDA\|VA)	34	$3,990,000	$117,353	$0	8.33%
OCEAN CITY, NJ (FHA\|USDA\|VA)	7	$3,985,000	$569,286	$0	8.39%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	14	$3,980,000	$284,286	$0	7.66%
PITTSBURGH, PA (FHA\|USDA\|VA)	20	$3,840,000	$192,000	$0	7.90%
Heber, UT (FHA\|USDA\|VA)	1	$3,795,000	$3,795,000	$0	9.99%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	21	$3,635,000	$173,095	$0	9.38%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	14	$3,400,000	$242,857	$0	6.89%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	25	$3,385,000	$135,400	$0	8.56%
AKRON, OH (FHA\|USDA\|VA)	14	$3,330,000	$237,857	$0	8.00%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	12	$3,300,000	$275,000	$0	6.89%
HINESVILLE, GA (FHA\|USDA\|VA)	8	$3,230,000	$403,750	$0	7.99%
ROANOKE, VA (FHA\|USDA\|VA)	23	$3,065,000	$133,261	$0	7.75%
IDAHO FALLS, ID (FHA\|USDA\|VA)	4	$3,040,000	$760,000	$0	5.63%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	13	$3,025,000	$232,692	$0	8.75%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	6	$2,700,000	$450,000	$0	8.81%
TULSA, OK (FHA\|USDA\|VA)	13	$2,625,000	$201,923	$0	8.13%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	8	$2,220,000	$277,500	$0	8.97%
DECATUR, AL (FHA\|USDA\|VA)	15	$2,175,000	$145,000	$0	7.37%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	5	$2,155,000	$431,000	$0	8.84%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	9	$2,145,000	$238,333	$0	7.55%
Statesboro, GA (FHA\|USDA\|VA)	2	$2,130,000	$1,065,000	$0	6.25%
JACKSON, MS (FHA\|USDA\|VA)	15	$2,045,000	$136,333	$0	8.08%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	10	$1,990,000	$199,000	$0	6.91%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	10	$1,980,000	$198,000	$0	7.40%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	11	$1,975,000	$179,545	$0	7.47%
LAS CRUCES, NM (FHA\|USDA\|VA)	1	$1,965,000	$1,965,000	$0	6.54%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	8	$1,880,000	$235,000	$0	9.97%
BATON ROUGE, LA (FHA\|USDA\|VA)	6	$1,820,000	$303,333	$0	8.07%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	5	$1,815,000	$363,000	$0	8.58%
PANAMA CITY, FL (FHA\|USDA\|VA)	6	$1,800,000	$300,000	$0	8.06%
SPRINGFIELD, MA (FHA\|USDA\|VA)	7	$1,795,000	$256,429	$0	7.34%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	11	$1,775,000	$161,364	$0	7.66%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	3	$1,745,000	$581,667	$0	8.31%
READING, PA (FHA\|USDA\|VA)	8	$1,740,000	$217,500	$0	9.21%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	6	$1,700,000	$283,333	$0	8.44%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	6	$1,650,000	$275,000	$0	9.49%
ALBANY, GA (FHA\|USDA\|VA)	14	$1,640,000	$117,143	$0	8.18%
HAMMOND, LA (FHA\|USDA\|VA)	1	$1,615,000	$1,615,000	$0	7.14%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	12	$1,600,000	$133,333	$0	8.01%
Richmond-Berea, KY (FHA\|USDA\|VA)	1	$1,475,000	$1,475,000	$0	6.47%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	5	$1,465,000	$293,000	$0	6.42%
Hilo, HI (FHA\|USDA\|VA)	1	$1,465,000	$1,465,000	$0	11.99%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	7	$1,445,000	$206,429	$0	7.98%
ANN ARBOR, MI (FHA\|USDA\|VA)	2	$1,430,000	$715,000	$0	9.10%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	2	$1,430,000	$715,000	$0	9.26%
GREENVILLE, NC (FHA\|USDA\|VA)	3	$1,425,000	$475,000	$0	6.86%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	3	$1,405,000	$468,333	$0	10.23%
Milledgeville, GA (FHA\|USDA\|VA)	1	$1,365,000	$1,365,000	$0	6.68%
OCALA, FL (FHA\|USDA\|VA)	3	$1,365,000	$455,000	$0	6.46%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	7	$1,285,000	$183,571	$0	8.99%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	7	$1,265,000	$180,714	$0	8.07%
Alamogordo, NM (FHA\|USDA\|VA)	7	$1,205,000	$172,143	$0	7.88%
ROCKFORD, IL (FHA\|USDA\|VA)	11	$1,185,000	$107,727	$0	7.58%
TALLAHASSEE, FL (FHA\|USDA\|VA)	8	$1,140,000	$142,500	$0	7.21%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	2	$1,080,000	$540,000	$0	7.35%
Concord, NH (FHA\|USDA\|VA)	2	$1,050,000	$525,000	$0	7.12%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	8	$1,020,000	$127,500	$0	7.79%
ROME, GA (FHA\|USDA\|VA)	2	$1,000,000	$500,000	$0	9.11%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	7	$985,000	$140,714	$0	8.01%
SYRACUSE, NY (FHA\|USDA\|VA)	8	$970,000	$121,250	$0	7.80%
ROCHESTER, NY (FHA\|USDA\|VA)	6	$970,000	$161,667	$0	6.82%
Shelby, NC (FHA\|USDA\|VA)	7	$965,000	$137,857	$0	7.07%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	5	$955,000	$191,000	$0	8.47%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	5	$895,000	$179,000	$0	10.99%
MACON-BIBB COUNTY, GA (FHA\|USDA\|VA)	7	$885,000	$126,429	$0	7.80%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	4	$870,000	$217,500	$0	10.22%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	3	$865,000	$288,333	$0	10.66%
BOULDER, CO (FHA\|USDA\|VA)	1	$845,000	$845,000	$0	7.50%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	3	$825,000	$275,000	$0	7.75%
DOVER, DE (FHA\|USDA\|VA)	5	$825,000	$165,000	$0	7.71%
Gloversville, NY (FHA\|USDA\|VA)	1	$815,000	$815,000	$0	6.38%
MOBILE, AL (FHA\|USDA\|VA)	5	$815,000	$163,000	$0	8.05%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	2	$790,000	$395,000	$0	8.93%
LINCOLN, NE (FHA\|USDA\|VA)	4	$760,000	$190,000	$0	7.02%
CHICO, CA (FHA\|USDA\|VA)	3	$755,000	$251,667	$0	7.03%
PUNTA GORDA, FL (FHA\|USDA\|VA)	3	$755,000	$251,667	$0	8.59%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	2	$750,000	$375,000	$0	9.10%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	4	$750,000	$187,500	$0	7.83%
LUBBOCK, TX (FHA\|USDA\|VA)	5	$745,000	$149,000	$0	7.06%
SPRINGFIELD, OH (FHA\|USDA\|VA)	7	$745,000	$106,429	$0	6.87%
Amsterdam, NY (FHA\|USDA\|VA)	1	$725,000	$725,000	$0	6.38%
VINELAND-BRIDGETON, NJ (FHA\|USDA\|VA)	4	$720,000	$180,000	$0	9.08%
RACINE, WI (FHA\|USDA\|VA)	3	$715,000	$238,333	$0	9.57%
Montrose, CO (FHA\|USDA\|VA)	2	$710,000	$355,000	$0	11.49%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	2	$700,000	$350,000	$0	8.34%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	5	$695,000	$139,000	$0	8.14%
WORCESTER, MA-CT (FHA\|USDA\|VA)	1	$655,000	$655,000	$0	11.99%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	2	$650,000	$325,000	$0	9.99%
Auburn, NY (FHA\|USDA\|VA)	5	$645,000	$129,000	$0	8.08%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	2	$610,000	$305,000	$0	6.41%
STOCKTON, CA (FHA\|USDA\|VA)	1	$595,000	$595,000	$0	9.99%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	3	$595,000	$198,333	$0	6.25%
Forest City, NC (FHA\|USDA\|VA)	5	$575,000	$115,000	$0	7.91%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	3	$575,000	$191,667	$0	8.18%
LYNCHBURG, VA (FHA\|USDA\|VA)	4	$560,000	$140,000	$0	7.64%
MODESTO, CA (FHA\|USDA\|VA)	2	$550,000	$275,000	$0	10.24%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	1	$545,000	$545,000	$0	9.99%
Tiffin, OH (FHA\|USDA\|VA)	3	$545,000	$181,667	$0	7.96%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	3	$535,000	$178,333	$0	6.02%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	5	$525,000	$105,000	$0	7.50%
BOISE CITY, ID (FHA\|USDA\|VA)	1	$525,000	$525,000	$0	6.61%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	3	$515,000	$171,667	$0	8.32%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	3	$485,000	$161,667	$0	8.51%
SALEM, OR (FHA\|USDA\|VA)	1	$475,000	$475,000	$0	6.27%
LOGAN, UT-ID (FHA\|USDA\|VA)	1	$455,000	$455,000	$0	9.75%
LANCASTER, PA (FHA\|USDA\|VA)	2	$450,000	$225,000	$0	7.25%
Fort Morgan, CO (FHA\|USDA\|VA)	1	$445,000	$445,000	$0	7.54%
JACKSON, TN (FHA\|USDA\|VA)	2	$440,000	$220,000	$0	6.18%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	3	$435,000	$145,000	$0	6.82%
BILLINGS, MT (FHA\|USDA\|VA)	2	$430,000	$215,000	$0	9.59%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	2	$430,000	$215,000	$0	8.40%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	1	$415,000	$415,000	$0	6.84%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	4	$410,000	$102,500	$0	6.78%
Palatka, FL (FHA\|USDA\|VA)	3	$405,000	$135,000	$0	10.18%
LOUISVILLE, KY (FHA\|USDA\|VA)	3	$405,000	$135,000	$0	6.86%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	1	$405,000	$405,000	$0	9.99%
HARRISONBURG, VA (FHA\|USDA\|VA)	2	$400,000	$200,000	$0	6.13%
PROVO-OREM, UT (FHA\|USDA\|VA)	1	$395,000	$395,000	$0	6.24%
GAINESVILLE, GA (FHA\|USDA\|VA)	2	$390,000	$195,000	$0	9.87%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	1	$385,000	$385,000	$0	6.38%
BRUNSWICK, GA (FHA\|USDA\|VA)	3	$375,000	$125,000	$0	7.36%
UTICA-ROME, NY (FHA\|USDA\|VA)	3	$375,000	$125,000	$0	7.70%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	2	$370,000	$185,000	$0	8.83%
Findlay, OH (FHA\|USDA\|VA)	3	$365,000	$121,667	$0	6.67%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	2	$360,000	$180,000	$0	7.29%
WARNER ROBINS, GA (FHA\|USDA\|VA)	3	$355,000	$118,333	$0	6.53%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	3	$355,000	$118,333	$0	7.40%
CLEVELAND, TN (FHA\|USDA\|VA)	2	$340,000	$170,000	$0	7.44%
SALISBURY, MD-DE (FHA\|USDA\|VA)	2	$340,000	$170,000	$0	7.74%
BINGHAMTON, NY (FHA\|USDA\|VA)	2	$340,000	$170,000	$0	7.88%
SPARTANBURG, SC (FHA\|USDA\|VA)	2	$330,000	$165,000	$0	7.36%
GADSDEN, AL (FHA\|USDA\|VA)	3	$325,000	$108,333	$0	7.37%
BURLINGTON-SOUTH BURLINGTON, VT (FHA\|USDA\|VA)	1	$325,000	$325,000	$0	10.74%
BURLINGTON, NC (FHA\|USDA\|VA)	3	$325,000	$108,333	$0	7.28%
Traverse City, MI (FHA\|USDA\|VA)	1	$315,000	$315,000	$0	7.47%
Thomasville, GA (FHA\|USDA\|VA)	2	$310,000	$155,000	$0	6.09%
TOLEDO, OH (FHA\|USDA\|VA)	2	$310,000	$155,000	$0	8.26%
Tupelo, MS (FHA\|USDA\|VA)	3	$295,000	$98,333	$0	10.01%
LAWRENCE, KS (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	11.49%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	7.02%
St. Marys, GA (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	10.74%
WICHITA, KS (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	6.86%
TYLER, TX (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	7.64%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	2	$270,000	$135,000	$0	6.30%
Coldwater, MI (FHA\|USDA\|VA)	2	$270,000	$135,000	$0	6.85%
JACKSONVILLE, NC (FHA\|USDA\|VA)	2	$270,000	$135,000	$0	11.49%
MIDLAND, TX (FHA\|USDA\|VA)	2	$270,000	$135,000	$0	9.33%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	5.97%
KINGSTON, NY (FHA\|USDA\|VA)	1	$265,000	$265,000	$0	10.49%
ERIE, PA (FHA\|USDA\|VA)	3	$265,000	$88,333	$0	6.72%
MERCED, CA (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	9.99%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	6.16%
DULUTH, MN-WI (FHA\|USDA\|VA)	2	$240,000	$120,000	$0	9.70%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	2	$240,000	$120,000	$0	10.99%
Cullman, AL (FHA\|USDA\|VA)	2	$240,000	$120,000	$0	7.04%
Danville, VA (FHA\|USDA\|VA)	2	$240,000	$120,000	$0	8.31%
Crossville, TN (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	6.53%
Bartlesville, OK (FHA\|USDA\|VA)	2	$220,000	$110,000	$0	7.80%
Warsaw, IN (FHA\|USDA\|VA)	2	$220,000	$110,000	$0	8.94%
Roswell, NM (FHA\|USDA\|VA)	2	$220,000	$110,000	$0	7.50%
Elizabeth City, NC (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	6.65%
Greeneville, TN (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	6.55%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	2	$210,000	$105,000	$0	7.04%
Bennington, VT (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	10.99%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	2	$200,000	$100,000	$0	7.51%
MUNCIE, IN (FHA\|USDA\|VA)	2	$200,000	$100,000	$0	6.58%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	2	$200,000	$100,000	$0	8.42%
Ludington, MI (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	7.46%
Marion, OH (FHA\|USDA\|VA)	2	$190,000	$95,000	$0	6.51%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	5.93%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	10.25%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	7.41%
BAKERSFIELD, CA (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	6.55%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	6.78%
Orangeburg, SC (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	10.49%
Columbus, NE (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	7.34%
JACKSON, MI (FHA\|USDA\|VA)	2	$160,000	$80,000	$0	9.31%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	5.21%
LAFAYETTE, LA (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	6.16%
YORK-HANOVER, PA (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	7.70%
SAGINAW, MI (FHA\|USDA\|VA)	2	$150,000	$75,000	$0	8.72%
ANNISTON-OXFORD, AL (FHA\|USDA\|VA)	2	$150,000	$75,000	$0	7.24%
Laurinburg, NC (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	11.99%
Sikeston, MO (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	6.12%
VICTORIA, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	7.78%
FORT WAYNE, IN (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	5.22%
DECATUR, IL (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	6.84%
SHEBOYGAN, WI (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	10.99%
Alice, TX (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	6.23%
ALEXANDRIA, LA (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	6.51%
ROCKY MOUNT, NC (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	7.84%
MIDLAND, MI (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	6.43%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	11.99%
ODESSA, TX (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	12.49%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	6.79%
Enterprise, AL (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	11.99%
WICHITA FALLS, TX (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.45%
Albemarle, NC (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	10.25%
ABILENE, TX (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	10.99%
CEDAR RAPIDS, IA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.30%
Searcy, AR (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	10.99%
Sturgis, MI (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.00%
PUEBLO, CO (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	10.99%
LAKE CHARLES, LA (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	7.00%
LAREDO, TX (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	5.85%
Blytheville, AR (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	7.52%
McComb, MS (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.39%
MONROE, LA (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.83%
New Castle, IN (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	7.68%
OWENSBORO, KY (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	10.99%
Cambridge, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	10.99%
Martinsville, VA (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	7.60%
Ruston, LA (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	7.44%
JOPLIN, MO (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	7.25%
Greenwood, SC (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.29%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	7.01%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	7.61%

Lendingone's top markets include Atlanta, Jacksonville, Nashville, New York, and Hilton Head Island among others.

Their top states include:

Florida (FHA|USDA|VA)

Georgia (FHA|USDA|VA)

North Carolina (FHA|USDA|VA)

South Carolina (FHA|USDA|VA)

Tennessee (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,564	$1,282,300,000	$500,117	$0	8.19%

For 2024, Lendingone's most frequently originated type of loan was Conventional, with 2,564 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Cash Out Refi	1,067	$435,325,000	$407,990	$0	7.15%
Home Purchase	1,034	$497,180,000	$480,832	$0	9.42%
Refi	357	$114,095,000	$319,594	$0	7.00%
Home Improvement	106	$235,700,000	$2,223,585	$0	10.72%

For 2024, Lendingone's most frequently cited loan purpose was Cash Out Refi, with 1,067 originations. The 2nd most popular reason was Home Purchase, with 1,034 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,681	$422,165,000	$251,139	$0	7.04%
1 Year	661	$315,455,000	$477,239	$0	10.56%
Other	197	$124,095,000	$629,924	$0	10.22%
5 Year	17	$223,095,000	$13,123,235	$0	6.72%
10 Year	4	$61,890,000	$15,472,500	$0	6.17%
3 Year	3	$101,205,000	$33,735,000	$0	9.15%
15 Year	1	$34,395,000	$34,395,000	$0	6.25%

For 2024, Lendingone's most frequently cited loan duration was 30 Year, with 1,681 originations. The 2nd most popular length was 1 Year, with 661 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
Over 8%	984	$546,430,000	$555,315
6-7%	751	$435,845,000	$580,353
7-8%	741	$242,015,000	$326,606
5-6%	86	$57,560,000	$669,302
4-5%	2	$450,000	$225,000

During 2024, Lendingone's average interest rate for loans was 7.04%, while their most frequently originated rate bucket for loans was Over 8%, with 984 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	1,137	$167,635,000	$147,436	$0	8.06%
$200k-400k	833	$225,995,000	$271,303	$0	8.32%
$100,000 or less	239	$20,715,000	$86,674	$0	8.01%
$400k-600k	152	$73,650,000	$484,539	$0	8.43%
$1MM+	117	$726,385,000	$6,208,419	$0	8.29%
$600k-1MM	86	$67,920,000	$789,767	$0	8.57%

2024 saw Lendingone place emphasis on $100k-200k loans with 1,137 originations, totaling $167,635,000 in origination value.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
Not applicable	2,564	$1,282,300,000	$500,117	$0	8.19%

Approval Rates

Total approvals of all applications
43.96%

Lendingone has a low approval rate. They may have poor market targeting or stringent lending standards.

Pick Rate

Approvals leading to origination
54.33%

Lendingone 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	2,564	$1,282,300,000	$500,117

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	2,564	$1,282,300,000	$500,117

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	15	$4,485,000	$299,000	$0	8.73%
40-60%	286	$84,170,000	$294,301	$0	9.20%
60-80%	2,064	$500,240,000	$242,364	$0	8.13%
80-100%	53	$13,345,000	$251,792	$0	6.97%
Over 100%	144	$679,680,000	$4,720,000	$0	7.50%
Under 20%	1	$205,000	$205,000	$0	7.34%