Lendingone Mortgage Rates, Fees & Info
DOVER, DELEI: 54930091JQKCU3Z6IP44
Tax ID: 47-1760589
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Mortgage Data
Review & Overview
Lendingone is a smaller mortgage company specializing in Home Improvement and Other loans. Lendingone has a high proportion of conventional loans. Their top markets by origination volume include: New York, Miami, Tulsa, Los Angeles, and Philadelphia among others. We have data for 126 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 relatively high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 4/18/24 |
| 30 Year Conventional Refi | 6.27% | 4/18/24 |
| 30 Year Cash-out Refi | 6.27% | 4/18/24 |
| 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. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,153Origination Dollar Volume (All Markets)
$391,455,000Top 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 |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 263 | $116,295,000 | $442,186 | $0 | 8.86% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 92 | $71,410,000 | $776,196 | $0 | 8.48% |
| TULSA, OK (FHA|USDA|VA) | 2 | $25,830,000 | $12,915,000 | $0 | 6.28% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 8 | $16,540,000 | $2,067,500 | $0 | 9.43% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 66 | $13,430,000 | $203,485 | $0 | 9.25% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 32 | $9,820,000 | $306,875 | $0 | 9.19% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 27 | $7,355,000 | $272,407 | $0 | 8.21% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 39 | $7,195,000 | $184,487 | $0 | 8.90% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 41 | $6,785,000 | $165,488 | $0 | 7.48% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $6,560,000 | $3,280,000 | $0 | 9.49% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 36 | $5,920,000 | $164,444 | $0 | 7.76% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 21 | $5,855,000 | $278,810 | $0 | 8.51% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 10 | $5,610,000 | $561,000 | $0 | 8.23% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 19 | $5,045,000 | $265,526 | $0 | 9.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 33 | $4,815,000 | $145,909 | $0 | 8.42% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 36 | $4,710,000 | $130,833 | $0 | 8.03% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $4,280,000 | $713,333 | $0 | 8.07% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $4,270,000 | $1,067,500 | $0 | 8.45% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 20 | $3,870,000 | $193,500 | $0 | 8.30% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 22 | $3,270,000 | $148,636 | $0 | 8.68% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 15 | $2,345,000 | $156,333 | $0 | 7.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 17 | $2,335,000 | $137,353 | $0 | 8.95% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 16 | $2,270,000 | $141,875 | $0 | 8.27% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $2,120,000 | $176,667 | $0 | 9.08% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 14 | $2,090,000 | $149,286 | $0 | 8.09% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 22 | $2,090,000 | $95,000 | $0 | 10.10% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $0 | 7.62% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $0 | 7.29% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 11 | $1,585,000 | $144,091 | $0 | 10.04% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 9 | $1,495,000 | $166,111 | $0 | 9.30% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 10 | $1,460,000 | $146,000 | $0 | 8.94% |
| AKRON, OH (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $0 | 8.78% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 7 | $1,265,000 | $180,714 | $0 | 7.27% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 9 | $1,225,000 | $136,111 | $0 | 8.07% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $1,210,000 | $151,250 | $0 | 8.29% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $1,180,000 | $196,667 | $0 | 9.08% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $0 | 7.44% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 9.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 10 | $1,080,000 | $108,000 | $0 | 9.53% |
| Outside of Metro Areas | 1 | $1,065,000 | $1,065,000 | $0 | 8.49% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $0 | 8.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $0 | 8.89% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $0 | 10.92% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 7 | $915,000 | $130,714 | $0 | 7.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $0 | 8.70% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $0 | 9.61% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $0 | 9.07% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $0 | 9.56% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $0 | 6.69% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $0 | 7.61% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $0 | 9.44% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $815,000 | $116,429 | $0 | 8.04% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $0 | 7.06% |
| Outside of Metro Areas | 2 | $710,000 | $355,000 | $0 | 8.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $0 | 9.87% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $0 | 9.42% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $0 | 10.82% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $0 | 8.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 9.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $595,000 | $119,000 | $0 | 8.60% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $0 | 8.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 9.74% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $0 | 10.20% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $475,000 | $95,000 | $0 | 8.11% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 9.37% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $0 | 10.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 10.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 8.35% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $0 | 9.60% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 7.80% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 11.75% |
| READING, PA (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $0 | 7.29% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 11.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 8.27% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $0 | 9.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 7.99% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 6.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 8.42% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $0 | 11.90% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 9.25% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 9.50% |
| DOVER, DE (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 7.30% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 6.80% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 9.60% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 7.08% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 10.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 6.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 6.40% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 9.50% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 6.15% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 10.95% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.88% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 6.43% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 10.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 10.50% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.50% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 11.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.25% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.75% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 10.50% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.30% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.70% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.75% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.20% |
| FLINT, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.05% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.85% |
| MADISON, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.45% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.25% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 10.75% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.50% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 11.00% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.35% |
| AMES, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.39% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.50% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.99% |
| Elk City, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.45% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.25% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.55% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.85% |
| McPherson, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,153 | $391,455,000 | $339,510 | $0 | 8.65% |
For 2018, Lendingone's most frequently originated type of loan was Conventional, with 1,153 originations.
Loan Reason
For 2018, Lendingone's most frequently cited loan purpose was Home Improvement, with 675 originations. The 2nd most popular reason was Cash Out Refi, with 199 originations.
Loan Duration/Length
For 2018, Lendingone's most frequently cited loan duration was 1 Year, with 774 originations. The 2nd most popular length was 30 Year, with 323 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 641 | $254,445,000 | $396,950 |
| 7-8% | 326 | $79,440,000 | $243,681 |
| 6-7% | 163 | $53,195,000 | $326,350 |
| 5-6% | 22 | $4,010,000 | $182,273 |
| 4-5% | 1 | $365,000 | $365,000 |
During 2018, Lendingone's average interest rate for loans was 6.99%, while their most frequently originated rate bucket for loans was Over 8%, with 641 originations.
Loan Sizing
2018 saw Lendingone place emphasis on $100k-200k loans with 526 originations, totaling $75,630,000 in origination value.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 1,153 | $391,455,000 | $339,510 | $0 | 8.65% |
Approval Rates
Total approvals of all applications33.03%
Lendingone has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination-48.66%
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 | 1,153 | $391,455,000 | $339,510 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 20 | $49,480,000 | $2,474,000 |
| Single Family (1-4 Units):Site-Built | 1,133 | $341,975,000 | $301,831 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Landmark Mortgage LLC | FHA mortgage | Closing on a mortgage | 1 | 100.0% |