Lendingone Mortgage Rates, Fees & Info
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Mortgage Data
Review & Overview
Lendingone is a smaller mortgage company specializing in Cash Out Refi and Home Improvement loans. Lendingone has a high proportion of conventional loans. Their top markets by origination volume include: New York, Atlanta, Miami, Los Angeles, and Boston among others. We have data for 160 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% | 4/21/24 |
| 30 Year Conventional Refi | 6.27% | 4/21/24 |
| 30 Year Cash-out Refi | 6.27% | 4/21/24 |
| 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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Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,220Origination Dollar Volume (All Markets)
$332,600,000Top 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) | 106 | $75,030,000 | $707,830 | $0 | 8.07% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 82 | $30,900,000 | $376,829 | $0 | 7.20% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 57 | $21,605,000 | $379,035 | $0 | 7.75% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 31 | $19,725,000 | $636,290 | $0 | 7.31% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 41 | $13,495,000 | $329,146 | $0 | 8.05% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 42 | $9,340,000 | $222,381 | $0 | 7.66% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 27 | $7,755,000 | $287,222 | $0 | 7.47% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 47 | $7,125,000 | $151,596 | $0 | 7.37% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 45 | $6,445,000 | $143,222 | $0 | 7.36% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 37 | $6,345,000 | $171,486 | $0 | 7.28% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 28 | $6,080,000 | $217,143 | $0 | 7.48% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 38 | $6,040,000 | $158,947 | $0 | 6.61% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 17 | $5,965,000 | $350,882 | $0 | 6.87% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 36 | $5,760,000 | $160,000 | $0 | 7.90% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 34 | $4,890,000 | $143,824 | $0 | 7.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $4,155,000 | $461,667 | $0 | 7.36% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 24 | $4,060,000 | $169,167 | $0 | 6.86% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 22 | $3,040,000 | $138,182 | $0 | 7.75% |
| Hilo, HI (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 9.49% |
| SAVANNAH, GA (FHA|USDA|VA) | 13 | $2,755,000 | $211,923 | $0 | 7.29% |
| PITTSBURGH, PA (FHA|USDA|VA) | 19 | $2,645,000 | $139,211 | $0 | 6.73% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $2,510,000 | $313,750 | $0 | 7.56% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $2,490,000 | $415,000 | $0 | 8.70% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $2,485,000 | $355,000 | $0 | 6.91% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 17 | $2,245,000 | $132,059 | $0 | 7.74% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $2,235,000 | $447,000 | $0 | 7.77% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $2,150,000 | $358,333 | $0 | 7.64% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 9 | $2,095,000 | $232,778 | $0 | 7.19% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 8 | $2,030,000 | $253,750 | $0 | 6.08% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $2,025,000 | $675,000 | $0 | 6.45% |
| MODESTO, CA (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $0 | 7.99% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 10 | $1,840,000 | $184,000 | $0 | 7.79% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 18 | $1,810,000 | $100,556 | $0 | 7.63% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,790,000 | $298,333 | $0 | 6.93% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 7 | $1,785,000 | $255,000 | $0 | 6.77% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $0 | 7.03% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 14 | $1,780,000 | $127,143 | $0 | 7.97% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 10 | $1,770,000 | $177,000 | $0 | 7.74% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $0 | 6.86% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 8 | $1,720,000 | $215,000 | $0 | 8.12% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,685,000 | $561,667 | $0 | 7.51% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 8 | $1,610,000 | $201,250 | $0 | 8.91% |
| RACINE, WI (FHA|USDA|VA) | 15 | $1,565,000 | $104,333 | $0 | 7.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $0 | 8.86% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $0 | 7.91% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $0 | 7.49% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 7 | $1,315,000 | $187,857 | $0 | 8.15% |
| WACO, TX (FHA|USDA|VA) | 1 | $1,245,000 | $1,245,000 | $0 | 5.35% |
| COLUMBUS, OH (FHA|USDA|VA) | 9 | $1,115,000 | $123,889 | $0 | 7.20% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $0 | 8.12% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 7 | $1,005,000 | $143,571 | $0 | 6.79% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $0 | 7.10% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 9 | $895,000 | $99,444 | $0 | 8.85% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $0 | 6.89% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $0 | 7.32% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $0 | 6.45% |
| Outside of Metro Areas | 7 | $755,000 | $107,857 | $0 | 7.34% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 6 | $750,000 | $125,000 | $0 | 8.60% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $0 | 7.99% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $0 | 6.61% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $0 | 6.20% |
| CHICO, CA (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $0 | 6.40% |
| TULSA, OK (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $0 | 9.99% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 6.45% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $0 | 7.82% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $0 | 9.43% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $590,000 | $98,333 | $0 | 6.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 6 | $580,000 | $96,667 | $0 | 8.42% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $0 | 6.46% |
| MONTGOMERY, AL (FHA|USDA|VA) | 5 | $505,000 | $101,000 | $0 | 7.21% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $0 | 7.53% |
| Torrington, CT (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $0 | 7.81% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $0 | 8.48% |
| OCALA, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 6.90% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 7.95% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $0 | 6.90% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $0 | 7.77% |
| AKRON, OH (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $0 | 7.23% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 8.70% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $0 | 7.23% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $0 | 7.89% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $370,000 | $92,500 | $0 | 9.62% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 8.38% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 8.91% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 7.08% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 8.40% |
| Key West, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 6.65% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 7.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 8.49% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $0 | 9.18% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 8.95% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 6.45% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.49% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 5.78% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 6.80% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 5.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.40% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 6.60% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 7.05% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 7.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.45% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 7.33% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 8.49% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 7.99% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 6.88% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 6.97% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 7.50% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 7.00% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 8.99% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.00% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 8.80% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 7.18% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.90% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 7.29% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 9.99% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 6.03% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 6.40% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 7.30% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 6.55% |
| Gillette, WY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.75% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.20% |
| MERCED, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.49% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 7.15% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.45% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.95% |
| TYLER, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 10.49% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.25% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.75% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.60% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.45% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 10.49% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.00% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.99% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.75% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.49% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 10.45% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.80% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 10.99% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.15% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.99% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.90% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.65% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.40% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.90% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.15% |
| Americus, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.99% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.50% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.49% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.80% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.70% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.99% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.40% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.95% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.30% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.49% |
| Shelby, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.50% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,220 | $332,600,000 | $272,623 | $0 | 7.53% |
For 2020, Lendingone's most frequently originated type of loan was Conventional, with 1,220 originations.
Loan Reason
For 2020, Lendingone's most frequently cited loan purpose was Cash Out Refi, with 520 originations. The 2nd most popular reason was Home Improvement, with 397 originations.
Loan Duration/Length
For 2020, Lendingone's most frequently cited loan duration was 30 Year, with 617 originations. The 2nd most popular length was 1 Year, with 500 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 430 | $87,270,000 | $202,953 |
| Over 8% | 380 | $134,210,000 | $353,184 |
| 7-8% | 279 | $79,505,000 | $284,964 |
| 5-6% | 131 | $31,615,000 | $241,336 |
During 2020, Lendingone's average interest rate for loans was 6.50%, while their most frequently originated rate bucket for loans was 6-7%, with 430 originations.
Loan Sizing
2020 saw Lendingone place emphasis on $100k-200k loans with 578 originations, totaling $81,790,000 in origination value.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 1,220 | $332,600,000 | $272,623 | $0 | 7.53% |
Approval Rates
Total approvals of all applications17.06%
Lendingone has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination32.46%
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 | 1,220 | $332,600,000 | $272,623 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 34 | $35,980,000 | $1,058,235 |
| Single Family (1-4 Units):Site-Built | 1,186 | $296,620,000 | $250,101 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Lending Club Corp | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |