Sovereign Lending Group Incorporated Mortgage Rates, Fees & Info
COSTA MESA, CALEI: 549300BFJ8COFCPOMU05
Tax ID: 20-2471369
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Mortgage Data
Review & Overview
Sovereign Lending Group Incorporated is a smaller mortgage company specializing in Refi loans. Sovereign Lending Group Incorporated has an average proportion of conventional loans. They have an average proportion of FHA 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: Los Angeles, Riverside, Phoenix, San Diego, and Denver among others. We have data for 292 markets. (Some data included below & more in-depth data is available with an active subscription.)Sovereign Lending Group Incorporated has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Sovereign Lending Group Incorporated is typically a high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.91% | 4/28/24 |
| 30 Year Conventional Refi | 6.74% | 4/28/24 |
| 30 Year FHA Purchase | 7.37% | 4/28/24 |
| 30 Year FHA Refi | 7.01% | 4/28/24 |
| 30 Year VA Purchase | 6.40% | 4/28/24 |
| 30 Year VA Refi | 6.28% | 4/28/24 |
| 30 Year USDA Purchase | 7.06% | 4/28/24 |
| 30 Year USDA Refi | 6.27% | 4/28/24 |
| 15 Year Conventional Purchase | 6.36% | 4/28/24 |
| 15 Year Conventional Refi | 6.25% | 4/28/24 |
| 15 Year Cash-out Refi | 6.25% | 4/28/24 |
| 15 Year FHA Purchase | 5.68% | 4/28/24 |
| 15 Year FHA Refi | 5.68% | 4/28/24 |
| 15 Year VA Purchase | 5.68% | 4/28/24 |
| 15 Year VA Refi | 6.09% | 4/28/24 |
| 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. | ||
Sovereign Lending Group Incorporated Mortgage Calculator
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This is not an official calculator from Sovereign Lending Group Incorporated. 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
1,491Origination Dollar Volume (All Markets)
$429,825,000Awards
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SOVEREIGN LENDING GROUP INCORPORATED - 2018
SOVEREIGN LENDING GROUP INCORPORATED 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 112 | $45,200,000 | $403,571 | $8,006 | 4.73% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 98 | $29,610,000 | $302,143 | $8,470 | 4.53% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 77 | $20,925,000 | $271,753 | $9,367 | 4.28% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 37 | $15,685,000 | $423,919 | $12,414 | 4.42% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 42 | $13,740,000 | $327,143 | $11,476 | 4.24% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 34 | $12,840,000 | $377,647 | $10,376 | 4.21% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 30 | $10,520,000 | $350,667 | $10,342 | 4.43% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 32 | $9,920,000 | $310,000 | $8,723 | 4.26% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 33 | $9,765,000 | $295,909 | $10,128 | 4.17% |
| Outside of Metro Areas | 43 | $9,635,000 | $224,070 | $6,818 | 4.44% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 19 | $8,775,000 | $461,842 | $11,639 | 4.27% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 33 | $8,115,000 | $245,909 | $8,891 | 4.63% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 22 | $7,690,000 | $349,545 | $9,717 | 4.31% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 12 | $5,700,000 | $475,000 | $15,361 | 3.84% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 14 | $5,300,000 | $378,571 | $12,243 | 3.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 19 | $4,785,000 | $251,842 | $7,615 | 4.40% |
| MODESTO, CA (FHA|USDA|VA) | 15 | $4,495,000 | $299,667 | $8,238 | 4.32% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 19 | $4,325,000 | $227,632 | $7,885 | 4.41% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 10 | $4,220,000 | $422,000 | $6,646 | 4.44% |
| STOCKTON, CA (FHA|USDA|VA) | 13 | $4,185,000 | $321,923 | $11,003 | 4.65% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 13 | $3,925,000 | $301,923 | $6,471 | 4.73% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 14 | $3,860,000 | $275,714 | $8,045 | 4.53% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 12 | $3,630,000 | $302,500 | $9,238 | 4.03% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 15 | $3,525,000 | $235,000 | $8,145 | 4.35% |
| VALLEJO, CA (FHA|USDA|VA) | 9 | $3,305,000 | $367,222 | $6,051 | 4.57% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 15 | $3,165,000 | $211,000 | $7,869 | 4.62% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 12 | $3,100,000 | $258,333 | $8,405 | 4.21% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 17 | $3,085,000 | $181,471 | $6,694 | 4.64% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 9 | $2,945,000 | $327,222 | $11,629 | 4.29% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 11 | $2,625,000 | $238,636 | $8,532 | 4.90% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 12 | $2,490,000 | $207,500 | $4,552 | 4.70% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 14 | $2,470,000 | $176,429 | $9,656 | 4.71% |
| KNOXVILLE, TN (FHA|USDA|VA) | 12 | $2,440,000 | $203,333 | $9,133 | 4.27% |
| TUCSON, AZ (FHA|USDA|VA) | 11 | $2,385,000 | $216,818 | $9,811 | 4.10% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 11 | $2,295,000 | $208,636 | $8,994 | 4.49% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 10 | $2,170,000 | $217,000 | $7,604 | 4.45% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 10 | $2,140,000 | $214,000 | $5,887 | 4.45% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 9 | $2,115,000 | $235,000 | $7,590 | 4.32% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $6,489 | 4.05% |
| SALEM, OR (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $10,706 | 4.53% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $7,262 | 4.81% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $1,865,000 | $266,429 | $8,108 | 4.54% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $13,435 | 4.81% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $11,361 | 4.00% |
| YUBA CITY, CA (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $6,771 | 4.42% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 9 | $1,615,000 | $179,444 | $5,750 | 4.60% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $10,212 | 4.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 7 | $1,555,000 | $222,143 | $7,864 | 4.41% |
| ASHEVILLE, NC (FHA|USDA|VA) | 7 | $1,555,000 | $222,143 | $8,357 | 4.30% |
| ANCHORAGE, AK (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $7,379 | 4.65% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,470,000 | $735,000 | $21,352 | 4.69% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $6,484 | 4.31% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $11,558 | 4.66% |
| PITTSBURGH, PA (FHA|USDA|VA) | 7 | $1,345,000 | $192,143 | $7,069 | 4.52% |
| Roseburg, OR (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $10,106 | 4.10% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $9,026 | 4.71% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $7,984 | 4.35% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $8,690 | 4.27% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $9,974 | 3.84% |
| BEND, OR (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $8,247 | 4.03% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $1,220,000 | $610,000 | $19,746 | 4.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $6,811 | 4.27% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $9,345 | 4.80% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $6,265 | 4.30% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $10,188 | 4.43% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $11,680 | 3.92% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $7,035 | 4.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $7,040 | 4.22% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $11,939 | 4.41% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $8,915 | 4.56% |
| BILLINGS, MT (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $5,666 | 4.50% |
| LAWTON, OK (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $9,529 | 4.22% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $6,907 | 4.70% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $7,900 | 4.78% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $8,077 | 4.08% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $6,643 | 4.69% |
| MADISON, WI (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $6,950 | 5.11% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $18,743 | 4.38% |
| GRANTS PASS, OR (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $10,775 | 4.71% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $7,866 | 3.97% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $5,341 | 4.38% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $26,308 | 3.94% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $3,948 | 4.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $9,626 | 4.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $8,578 | 4.69% |
| TULSA, OK (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $10,075 | 4.88% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $5,767 | 4.31% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $8,953 | 4.31% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $12,251 | 4.08% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $10,391 | 4.31% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $5,785 | 4.28% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $10,371 | 4.28% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $4,946 | 4.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $8,764 | 4.38% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $6,226 | 4.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $8,697 | 4.40% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $14,105 | 4.29% |
| LONGVIEW, WA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $11,509 | 3.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $8,264 | 3.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $17,498 | 4.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $3,234 | 4.17% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $3,468 | 4.13% |
| DOVER, DE (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $7,951 | 3.75% |
| Astoria, OR (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,268 | 4.88% |
| REDDING, CA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,680 | 4.13% |
| Hilo, HI (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $20,672 | 3.81% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $7,601 | 3.96% |
| BISMARCK, ND (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $9,342 | 4.83% |
| DOTHAN, AL (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,165 | 4.21% |
| FLINT, MI (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $10,555 | 4.33% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $9,185 | 4.17% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $12,827 | 3.94% |
| Coos Bay, OR (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $6,293 | 4.37% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $14,283 | 4.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,846 | 4.08% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $9,375 | 3.75% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,463 | 4.71% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,868 | 4.56% |
| JONESBORO, AR (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,824 | 4.63% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,782 | 4.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,730 | 4.46% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,668 | 4.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $8,272 | 4.29% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,842 | 4.44% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,966 | 5.06% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $9,396 | 4.25% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $8,654 | 4.31% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $8,043 | 4.46% |
| Baraboo, WI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $9,186 | 4.21% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $12,795 | 3.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,767 | 4.00% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,196 | 3.13% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,921 | 5.74% |
| Mountain Home, AR (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,518 | 4.31% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $5,312 | 4.33% |
| OCALA, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $12,996 | 3.50% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $27,087 | 4.25% |
| Prineville, OR (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $14,988 | 4.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,229 | 5.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $7,135 | 4.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $7,491 | 4.71% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,779 | 4.13% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $11,734 | 4.13% |
| Helena, MT (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $12,423 | 4.56% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $6,691 | 4.67% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $8,122 | 3.94% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,406 | 4.68% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,399 | 5.06% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,561 | 4.19% |
| RENO, NV (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $9,442 | 4.69% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $12,521 | 3.56% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,692 | 4.69% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $17,908 | 3.88% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $9,740 | 4.38% |
| Minot, ND (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $16,093 | 4.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $19,488 | 3.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,184 | 4.69% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,859 | 4.31% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $16,226 | 4.38% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,185 | 4.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,949 | 4.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $12,812 | 4.06% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,626 | 4.50% |
| Pella, IA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,371 | 4.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,826 | 4.25% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,171 | 4.81% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,968 | 3.75% |
| GREAT FALLS, MT (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,662 | 4.44% |
| Cullman, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,906 | 5.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $15,688 | 4.00% |
| CHICO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $13,584 | 4.50% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,360 | 4.75% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,046 | 3.25% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,492 | 5.25% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,236 | 5.19% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $7,092 | 5.38% |
| Fernley, NV (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,059 | 4.50% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,911 | 3.75% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $14,836 | 4.99% |
| Williston, ND (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $14,754 | 4.63% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $14,867 | 4.25% |
| Holland, MI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $11,164 | 4.69% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,240 | 5.13% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,899 | 5.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $19,808 | 3.95% |
| AMES, IA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,940 | 4.38% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,149 | 3.25% |
| NAPA, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,786 | 4.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,946 | 4.38% |
| Brevard, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,206 | 3.75% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,435 | 4.38% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,347 | 4.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,159 | 5.25% |
| Centralia, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,378 | 4.75% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 4.48% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,743 | 5.00% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $16,445 | 3.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,376 | 2.75% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,519 | 4.75% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $17,067 | 4.50% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,329 | 3.75% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,512 | 4.25% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $21,035 | 3.88% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,108 | 4.50% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,192 | 3.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,337 | 4.25% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,985 | 4.63% |
| Adrian, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,165 | 5.25% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,378 | 4.63% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $610 | 3.88% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,952 | 3.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $14,491 | 3.25% |
| Sonora, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,757 | 4.63% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $15,844 | 3.75% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,163 | 4.50% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,214 | 2.75% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $6,865 | 5.44% |
| Shelby, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,091 | 4.38% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,923 | 3.99% |
| Safford, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,053 | 3.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,812 | 3.88% |
| Winona, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,523 | 4.25% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $14,209 | 4.25% |
| Seneca, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $15,179 | 3.25% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,167 | 4.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $327 | 4.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $16,275 | 3.75% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,526 | 5.25% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,289 | 5.25% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $80 | 3.75% |
| Forrest City, AR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,544 | 4.63% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,311 | 4.38% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $13,334 | 4.25% |
| MADERA, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,541 | 3.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,137 | 4.63% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,823 | 4.25% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,200 | 4.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,899 | 4.38% |
| Oskaloosa, IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,634 | 4.75% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,363 | 6.13% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,287 | 4.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,972 | 4.38% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,203 | 4.88% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,921 | 3.75% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,759 | 4.63% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,298 | 5.00% |
| ERIE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,724 | 4.88% |
| Ketchikan, AK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,847 | 4.50% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,261 | 4.38% |
| Angola, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,365 | 4.50% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,506 | 4.25% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,110 | 4.50% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,371 | 4.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,664 | 4.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,448 | 3.75% |
| Paragould, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,501 | 4.25% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,839 | 5.00% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,478 | 4.25% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,841 | 4.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,861 | 5.00% |
| Seymour, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,801 | 4.75% |
| Peru, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,559 | 5.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,707 | 4.75% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,763 | 4.13% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,012 | 4.38% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,729 | 4.75% |
| Russellville, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,417 | 4.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,169 | 5.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $12,675 | 3.88% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,101 | 4.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,744 | 5.25% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,353 | 4.25% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $11,365 | 3.88% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,504 | 3.50% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,743 | 4.25% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,792 | 4.50% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,381 | 4.13% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,483 | 4.25% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,410 | 4.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,181 | 4.38% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,383 | 5.13% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,287 | 4.75% |
| Troy, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,603 | 4.75% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,097 | 4.88% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,952 | 3.88% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,533 | 5.00% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,954 | 4.63% |
| Selinsgrove, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $11,136 | 4.25% |
| London, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,765 | 3.75% |
| North Platte, NE (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,744 | 5.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,618 | 4.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $3,850 | 6.49% |
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Product Mix
For 2018, Sovereign Lending Group Incorporated's most frequently originated type of loan was VA, with 1,178 originations. Their 2nd most popular type was Conventional, with 222 originations.
Loan Reason
For 2018, Sovereign Lending Group Incorporated's most frequently cited loan purpose was Refi, with 1,277 originations. The 2nd most popular reason was Cash Out Refi, with 132 originations.
Loan Duration/Length
For 2018, Sovereign Lending Group Incorporated's most frequently cited loan duration was 30 Year, with 1,436 originations. The 2nd most popular length was 15 Year, with 22 originations.
Origination Fees/Closing Costs
Sovereign Lending Group Incorporated's average total fees were $8,922, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 427 originations.
Interest Rates
During 2018, Sovereign Lending Group Incorporated's average interest rate for loans was 4.42%, while their most frequently originated rate bucket for loans was 4-5%, with 891 originations.
Loan Sizing
2018 saw Sovereign Lending Group Incorporated place emphasis on $200k-400k loans with 916 originations, totaling $254,240,000 in origination value.
Applicant Income
Sovereign Lending Group Incorporated lent most frequently to those with incomes in the $50k-75k range, with 507 originations. The second most popular income band? $75k-100k, with 350 originations.
Applicant Debt to Income Ratio
Sovereign Lending Group Incorporated lent most frequently to those with DTI ratios of 50-60%, with 285 originations. The next most common DTI ratio? 30-36%, with 151 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications75.80%
Sovereign Lending Group Incorporated has a below average approval rate.
Pick Rate
Approvals leading to origination-126.89%
Sovereign Lending Group Incorporated 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 | 1,491 | $429,825,000 | $288,280 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 36 | $7,860,000 | $218,333 |
| Single Family (1-4 Units):Site-Built | 1,455 | $421,965,000 | $290,010 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Sovereign Lending Group, Incorporated | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| Sovereign Lending Group, Incorporated | VA mortgage | Trouble during payment process | 1 | 50.0% |