Blueleaf Lending Mortgage Rates, Fees & Info
CHICAGO, ILLEI: 549300AI4ZHB6MX23W09
Tax ID: 87-0788512
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Mortgage Data
Review & Overview
Blueleaf Lending is a smaller mortgage company specializing in Home Purchase loans. Blueleaf Lending has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Chicago, Denver, Miami, Phoenix, and Boston among others. We have data for 107 markets. (Some data included below & more in-depth data is available with an active subscription.)Blueleaf Lending has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Blueleaf Lending is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.58% | 5/27/23 |
| 30 Year Conventional Refi | 6.47% | 5/27/23 |
| 30 Year Cash-out Refi | 6.67% | 5/27/23 |
| 30 Year FHA Purchase | 7.21% | 5/27/23 |
| 30 Year FHA Refi | 6.27% | 5/27/23 |
| 30 Year VA Purchase | 6.15% | 5/27/23 |
| 30 Year USDA Purchase | 6.27% | 5/27/23 |
| 15 Year Conventional Purchase | 6.05% | 5/27/23 |
| 15 Year Conventional Refi | 5.94% | 5/27/23 |
| 15 Year Cash-out Refi | 5.94% | 5/27/23 |
| 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. | ||
Blueleaf Lending Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
949Origination Dollar Volume (All Markets)
$333,865,000Awards
BLUELEAF LENDING - 2022
BLUELEAF LENDING is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Blueleaf Lending's average 30 year fixed mortgage rate was
4.32%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.44%.
Relative Fees (Closing Costs)
Blueleaf Lending's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,381.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
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 |
|---|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 678 | $232,410,000 | $342,788 | $5,113 | 4.17% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 27 | $12,145,000 | $449,815 | $4,869 | 4.47% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 14 | $5,140,000 | $367,143 | $5,282 | 4.40% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 11 | $4,445,000 | $404,091 | $4,628 | 3.91% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $4,060,000 | $1,015,000 | $12,146 | 3.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 6 | $2,940,000 | $490,000 | $4,715 | 3.94% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $2,810,000 | $702,500 | $8,636 | 4.09% |
| Whitewater, WI (FHA|USDA|VA) | 6 | $2,580,000 | $430,000 | $3,452 | 3.96% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $2,580,000 | $645,000 | $13,866 | 4.19% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $2,560,000 | $426,667 | $5,552 | 3.94% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $2,450,000 | $408,333 | $6,895 | 4.48% |
| NILES, MI (FHA|USDA|VA) | 5 | $2,245,000 | $449,000 | $6,200 | 4.45% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $2,010,000 | $502,500 | $12,597 | 4.03% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $11,454 | 4.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $3,766 | 4.27% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $3,247 | 4.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,525,000 | $508,333 | $6,505 | 3.50% |
| Holland, MI (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $6,504 | 3.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $1,430,000 | $715,000 | $4,351 | 4.88% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $6,263 | 5.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $3,896 | 4.08% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $3,960 | 4.80% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $5,256 | 5.13% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $3,762 | 4.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $8,727 | 3.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $3,829 | 3.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $8,784 | 5.19% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $4,142 | 5.25% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $6,312 | 2.69% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $7,660 | 3.63% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $2,706 | 3.19% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $2,586 | 3.92% |
| Outside of Metro Areas | 7 | $845,000 | $120,714 | $2,918 | 4.39% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $2,950 | 5.19% |
| KANKAKEE, IL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $3,287 | 5.13% |
| Traverse City, MI (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $2,662 | 3.38% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $3,372 | 4.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $4,248 | 5.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $3,865 | 3.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $7,005 | 3.94% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,261 | 3.50% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $3,883 | 3.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $4,570 | 4.38% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $4,332 | 4.31% |
| ROCKFORD, IL (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $3,565 | 4.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,613 | 3.31% |
| Ottawa, IL (FHA|USDA|VA) | 6 | $650,000 | $108,333 | $3,412 | 4.56% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $6,440 | 4.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $6,298 | 3.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,993 | 4.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $2,598 | 2.63% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $18,092 | 4.38% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,102 | 3.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $0 | 5.88% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 7 | $585,000 | $83,571 | $0 | 5.63% |
| Astoria, OR (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $18,048 | 2.75% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,663 | 4.63% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,249 | 3.63% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,598 | 4.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,047 | 3.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,870 | 4.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $14,058 | 4.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,216 | 5.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,065 | 3.81% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 3.88% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,500 | 3.75% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,468 | 3.49% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,896 | 3.25% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,891 | 5.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,069 | 5.13% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,623 | 2.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,996 | 5.50% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,765 | 3.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,615 | 4.38% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,235 | 5.88% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,576 | 5.25% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,580 | 5.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,698 | 2.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,267 | 3.38% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 3.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,527 | 5.50% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 4.50% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,841 | 5.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,812 | 3.50% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,946 | 4.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,330 | 3.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,659 | 3.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,362 | 2.75% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,278 | 3.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,586 | 3.00% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,517 | 3.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,036 | 3.25% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,548 | 5.88% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,113 | 4.13% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 6.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,480 | 6.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,349 | 4.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,955 | 4.75% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.13% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.13% |
| Freeport, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,906 | 5.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.63% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,452 | 3.13% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.13% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.88% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,031 | 4.49% |
Similar Lenders
We use machine learning to identify the top lenders compared against BLUELEAF LENDING based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 894 | $316,730,000 | $354,284 | $4,845 | 4.21% |
| FHA | 42 | $11,830,000 | $281,667 | $9,856 | 4.20% |
| VA | 13 | $5,305,000 | $408,077 | $8,810 | 4.02% |
For 2022, Blueleaf Lending's most frequently originated type of loan was Conventional, with 894 originations. Their 2nd most popular type was FHA, with 42 originations.
Loan Reason
For 2022, Blueleaf Lending's most frequently cited loan purpose was Home Purchase, with 683 originations. The 2nd most popular reason was Cash Out Refi, with 145 originations.
Loan Duration/Length
For 2022, Blueleaf Lending's most frequently cited loan duration was 30 Year, with 848 originations. The 2nd most popular length was 15 Year, with 80 originations.
Origination Fees/Closing Costs
Blueleaf Lending's average total fees were $5,381, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 704 originations.
Interest Rates
During 2022, Blueleaf Lending's average interest rate for loans was 4.32%, while their most frequently originated rate bucket for loans was 3-4%, with 397 originations.
Loan Sizing
2022 saw Blueleaf Lending place emphasis on $200k-400k loans with 420 originations, totaling $122,950,000 in origination value.
Applicant Income
Blueleaf Lending lent most frequently to those with incomes in the $100k-150k range, with 235 originations. The second most popular income band? $150k-250k, with 212 originations.
Applicant Debt to Income Ratio
Blueleaf Lending lent most frequently to those with DTI ratios of 20-30%, with 218 originations. The next most common DTI ratio? 30-36%, with 167 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.55%
Blueleaf Lending has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination65.96%
Blueleaf Lending 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 | 949 | $333,865,000 | $351,807 |