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 an average proportion of FHA loans. Their top markets by origination volume include: Chicago, Denver, Los Angeles, Las Vegas, and Whitewater among others. We have data for 55 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% | 4/18/24 |
| 30 Year Conventional Refi | 6.47% | 4/18/24 |
| 30 Year Cash-out Refi | 6.67% | 4/18/24 |
| 30 Year FHA Purchase | 7.21% | 4/18/24 |
| 30 Year FHA Refi | 6.27% | 4/18/24 |
| 30 Year VA Purchase | 6.15% | 4/18/24 |
| 30 Year USDA Purchase | 6.27% | 4/18/24 |
| 15 Year Conventional Purchase | 6.05% | 4/18/24 |
| 15 Year Conventional Refi | 5.94% | 4/18/24 |
| 15 Year Cash-out Refi | 5.94% | 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. | ||
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
790Origination Dollar Volume (All Markets)
$242,950,000Awards
BLUELEAF LENDING - 2018
BLUELEAF LENDING is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 692 | $214,010,000 | $309,263 | $4,668 | 4.61% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $2,045,000 | $409,000 | $5,003 | 4.48% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,890,000 | $945,000 | $6,382 | 4.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $4,231 | 4.65% |
| Whitewater, WI (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $2,705 | 4.15% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $1,405,000 | $200,714 | $5,860 | 4.98% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $1,295,000 | $1,295,000 | $3,178 | 4.63% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $4,624 | 4.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $4,374 | 4.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $3,387 | 4.38% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $6,332 | 5.58% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $5,198 | 4.38% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $3,393 | 4.92% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $7,843 | 4.56% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $7,979 | 4.75% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,133 | 4.46% |
| Holland, MI (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,856 | 4.69% |
| Outside of Metro Areas | 3 | $505,000 | $168,333 | $2,784 | 4.33% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $10,647 | 4.50% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $11,615 | 5.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,541 | 5.13% |
| RENO, NV (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,397 | 4.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,606 | 4.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,841 | 4.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,475 | 4.44% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,819 | 4.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,570 | 4.63% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,608 | 5.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,638 | 3.88% |
| NILES, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,107 | 4.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,760 | 5.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 5.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,127 | 4.50% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,641 | 4.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,467 | 4.63% |
| Sterling, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,933 | 4.63% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,273 | 4.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,385 | 4.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,724 | 4.56% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,311 | 5.38% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,583 | 4.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,797 | 4.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.00% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,873 | 4.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,609 | 4.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,923 | 4.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,839 | 4.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.63% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,434 | 5.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,747 | 4.63% |
| MONROE, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,859 | 4.38% |
| RACINE, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,268 | 4.50% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.25% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,487 | 4.38% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,514 | 4.75% |
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 | 736 | $227,700,000 | $309,375 | $4,215 | 4.63% |
| FHA | 49 | $13,255,000 | $270,510 | $9,300 | 4.46% |
| VA | 5 | $1,995,000 | $399,000 | $10,695 | 4.25% |
For 2018, Blueleaf Lending's most frequently originated type of loan was Conventional, with 736 originations. Their 2nd most popular type was FHA, with 49 originations.
Loan Reason
For 2018, Blueleaf Lending's most frequently cited loan purpose was Home Purchase, with 605 originations. The 2nd most popular reason was Cash Out Refi, with 103 originations.
Loan Duration/Length
For 2018, Blueleaf Lending's most frequently cited loan duration was 30 Year, with 700 originations. The 2nd most popular length was 15 Year, with 55 originations.
Origination Fees/Closing Costs
Blueleaf Lending's average total fees were $4,746, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 362 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 622 | $191,910,000 | $308,537 |
| 5-6% | 93 | $27,515,000 | $295,860 |
| 3-4% | 71 | $22,755,000 | $320,493 |
| 6-7% | 4 | $770,000 | $192,500 |
During 2018, Blueleaf Lending's average interest rate for loans was 4.66%, while their most frequently originated rate bucket for loans was 4-5%, with 622 originations.
Loan Sizing
2018 saw Blueleaf Lending place emphasis on $200k-400k loans with 393 originations, totaling $112,395,000 in origination value.
Applicant Income
Blueleaf Lending lent most frequently to those with incomes in the $100k-150k range, with 202 originations. The second most popular income band? $150k-250k, with 173 originations.
Applicant Debt to Income Ratio
Blueleaf Lending lent most frequently to those with DTI ratios of 30-36%, with 169 originations. The next most common DTI ratio? 20-30%, with 149 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.83%
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 origination71.90%
Blueleaf Lending has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 790 | $242,950,000 | $307,532 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 12 | $11,390,000 | $949,167 |
| Single Family (1-4 Units):Site-Built | 778 | $231,560,000 | $297,635 |