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 a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Sacramento, Washington, Los Angeles, Riverside, and Atlanta among others. We have data for 243 markets. (Some data included below & more in-depth data is available with an active subscription.)Sovereign Lending Group Incorporated 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. 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% | 10/13/24 |
| 30 Year Conventional Refi | 6.74% | 10/13/24 |
| 30 Year FHA Purchase | 7.37% | 10/13/24 |
| 30 Year FHA Refi | 7.01% | 10/13/24 |
| 30 Year VA Purchase | 6.40% | 10/13/24 |
| 30 Year VA Refi | 6.28% | 10/13/24 |
| 30 Year USDA Purchase | 7.06% | 10/13/24 |
| 30 Year USDA Refi | 6.27% | 10/13/24 |
| 15 Year Conventional Purchase | 6.36% | 10/13/24 |
| 15 Year Conventional Refi | 6.25% | 10/13/24 |
| 15 Year Cash-out Refi | 6.25% | 10/13/24 |
| 15 Year FHA Purchase | 5.68% | 10/13/24 |
| 15 Year FHA Refi | 5.68% | 10/13/24 |
| 15 Year VA Purchase | 5.68% | 10/13/24 |
| 15 Year VA Refi | 6.09% | 10/13/24 |
| 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
968Origination Dollar Volume (All Markets)
$293,810,000Awards
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SOVEREIGN LENDING GROUP INCORPORATED - 2022
SOVEREIGN LENDING GROUP INCORPORATED is a 2022 , due to their low .
For 2022, 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 |
|---|---|---|---|---|---|
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 35 | $15,315,000 | $437,571 | $10,943 | 4.68% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 35 | $14,715,000 | $420,429 | $13,844 | 4.20% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 23 | $11,855,000 | $515,435 | $10,538 | 4.54% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 29 | $11,045,000 | $380,862 | $13,360 | 4.36% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 42 | $10,770,000 | $256,429 | $10,411 | 4.34% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 27 | $9,485,000 | $351,296 | $9,672 | 4.42% |
| Outside of Metro Areas | 41 | $8,915,000 | $217,439 | $9,845 | 4.28% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 29 | $8,745,000 | $301,552 | $10,934 | 4.19% |
| REDDING, CA (FHA|USDA|VA) | 20 | $6,560,000 | $328,000 | $6,982 | 5.09% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 19 | $5,975,000 | $314,474 | $13,653 | 4.08% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 21 | $5,625,000 | $267,857 | $12,525 | 3.99% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 16 | $4,710,000 | $294,375 | $14,855 | 4.37% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 14 | $4,530,000 | $323,571 | $12,784 | 4.22% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8 | $4,460,000 | $557,500 | $15,129 | 3.92% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 15 | $4,455,000 | $297,000 | $12,596 | 3.72% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 16 | $4,190,000 | $261,875 | $10,677 | 4.05% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 10 | $3,690,000 | $369,000 | $12,767 | 3.73% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 12 | $3,390,000 | $282,500 | $9,713 | 4.05% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 8 | $3,340,000 | $417,500 | $10,799 | 3.97% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 11 | $3,245,000 | $295,000 | $11,424 | 4.08% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 9 | $3,225,000 | $358,333 | $16,576 | 4.92% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $3,225,000 | $358,333 | $9,576 | 3.90% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $3,190,000 | $398,750 | $13,403 | 4.19% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $3,175,000 | $453,571 | $13,019 | 4.03% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $2,890,000 | $481,667 | $15,453 | 4.42% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 7 | $2,765,000 | $395,000 | $21,708 | 4.34% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $2,385,000 | $477,000 | $12,413 | 4.73% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $2,340,000 | $390,000 | $14,307 | 3.52% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 7 | $2,245,000 | $320,714 | $10,255 | 4.14% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 8 | $2,110,000 | $263,750 | $15,162 | 4.17% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 11 | $2,055,000 | $186,818 | $8,067 | 4.43% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $2,045,000 | $409,000 | $10,669 | 3.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $14,912 | 3.55% |
| KNOXVILLE, TN (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $8,443 | 5.21% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $8,434 | 4.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 7 | $1,925,000 | $275,000 | $12,458 | 4.11% |
| SALEM, OR (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $15,422 | 3.68% |
| Red Bluff, CA (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $7,239 | 4.57% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $9,717 | 4.27% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $8,687 | 3.27% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $12,296 | 5.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $7,986 | 4.23% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $8,934 | 4.15% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $23,153 | 4.62% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,485,000 | $495,000 | $10,954 | 5.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $9,666 | 4.65% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $5,934 | 3.87% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $7,659 | 4.54% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $9,447 | 5.06% |
| Hilo, HI (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $13,818 | 4.08% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $18,184 | 4.53% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $14,752 | 4.56% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $4,798 | 4.50% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $13,596 | 4.03% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $12,202 | 4.88% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $15,663 | 4.25% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $10,141 | 4.82% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $12,655 | 4.41% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $14,207 | 5.79% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $12,245 | 6.08% |
| BURLINGTON, NC (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $12,131 | 4.09% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $12,167 | 5.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $10,374 | 4.41% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $12,783 | 4.44% |
| RENO, NV (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $8,236 | 3.35% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $14,725 | 4.16% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $13,347 | 3.71% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $19,316 | 3.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $10,801 | 4.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $9,715 | 4.25% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $11,672 | 4.21% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $13,829 | 3.13% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $11,035 | 5.33% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $14,536 | 4.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $14,657 | 5.21% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $10,262 | 3.50% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $9,010 | 4.60% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $8,792 | 3.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $9,344 | 3.06% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $6,919 | 4.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $15,518 | 4.33% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $6,634 | 4.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $6,237 | 5.34% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $8,362 | 4.79% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $15,330 | 5.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $14,020 | 4.25% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $9,909 | 3.25% |
| Nogales, AZ (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $14,626 | 3.92% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $12,984 | 4.81% |
| PUEBLO, CO (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $11,035 | 3.71% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $8,044 | 2.58% |
| BEND, OR (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $6,373 | 2.75% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,369 | 4.19% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,967 | 4.29% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $23,331 | 4.88% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $7,176 | 3.29% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $7,106 | 4.29% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $9,483 | 4.37% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $10,210 | 5.69% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $11,130 | 4.67% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $8,909 | 5.17% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $13,920 | 3.94% |
| OCALA, FL (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $8,116 | 4.50% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $8,514 | 5.38% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $11,113 | 4.79% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $12,849 | 4.21% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $9,087 | 4.94% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $8,555 | 4.96% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $7,840 | 4.38% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $17,306 | 3.38% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $14,710 | 3.88% |
| Mount Sterling, KY (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $16,726 | 4.44% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $11,979 | 3.12% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $10,167 | 4.69% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,490 | 5.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $10,847 | 4.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $17,673 | 4.50% |
| Outside of Metro Areas | 1 | $465,000 | $465,000 | $15,990 | 4.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $11,322 | 3.81% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $10,582 | 3.63% |
| Elko, NV (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $13,999 | 4.06% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,166 | 4.25% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,199 | 2.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,353 | 3.81% |
| Centralia, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $15,810 | 3.50% |
| MADISON, WI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $14,238 | 2.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $19,024 | 2.99% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,828 | 6.06% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $13,937 | 4.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,393 | 4.63% |
| Susanville, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $12,760 | 5.12% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,217 | 3.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $33,162 | 5.25% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,932 | 3.56% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,692 | 4.50% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $15,617 | 4.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $9,446 | 4.94% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $14,469 | 4.50% |
| Española, NM (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $17,939 | 5.75% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,945 | 3.25% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,413 | 2.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,174 | 4.50% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,985 | 3.99% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,250 | 4.63% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,911 | 3.25% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,909 | 3.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $13,417 | 3.88% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,233 | 3.00% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $9,489 | 6.31% |
| Sayre, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,297 | 3.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $15,510 | 4.00% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,404 | 4.88% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $10,729 | 4.00% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,678 | 4.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,216 | 2.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,345 | 2.99% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $9,185 | 3.88% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,220 | 5.75% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $10,887 | 5.00% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,837 | 5.63% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,863 | 2.88% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,927 | 3.38% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,390 | 4.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $8,092 | 4.06% |
| Athens, TN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $11,096 | 6.38% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,623 | 5.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,818 | 3.25% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $20,374 | 3.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $9,177 | 6.69% |
| MONROE, LA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,347 | 3.13% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,100 | 4.75% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,672 | 4.25% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $14,420 | 6.75% |
| FLINT, MI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $9,727 | 3.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,592 | 2.75% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $16,306 | 4.75% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,466 | 4.63% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,806 | 3.00% |
| Palatka, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $7,341 | 5.75% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,120 | 4.75% |
| Albertville, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,654 | 3.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $14,516 | 4.38% |
| DOVER, DE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $16,075 | 5.00% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,560 | 2.75% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $14,924 | 2.63% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $15,100 | 3.25% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $7,241 | 5.25% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $16,770 | 3.38% |
| Forest City, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,336 | 5.00% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,905 | 3.63% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,051 | 5.63% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,454 | 4.25% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $15,407 | 4.63% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $13,341 | 4.25% |
| Ada, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,704 | 3.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $14,009 | 4.25% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,203 | 2.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,639 | 5.13% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,665 | 5.62% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,343 | 4.50% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $14,900 | 3.13% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $17,404 | 5.99% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $7,973 | 5.06% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,575 | 5.99% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,828 | 5.50% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,752 | 5.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,168 | 6.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,689 | 3.25% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,593 | 5.13% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $13,770 | 4.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,173 | 3.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,117 | 5.38% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,368 | 4.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,652 | 4.25% |
| Roswell, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,320 | 5.50% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,564 | 3.50% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,916 | 3.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,889 | 4.63% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,611 | 4.25% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,980 | 4.50% |
| Madison, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,046 | 5.50% |
| Andrews, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,956 | 5.13% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,057 | 3.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,852 | 3.88% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,754 | 4.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,796 | 5.00% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,065 | 2.50% |
| DALTON, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,693 | 7.25% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $10,354 | 3.63% |
| CHICO, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,840 | 4.38% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,324 | 5.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,791 | 3.75% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,761 | 7.00% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,238 | 4.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $10,598 | 4.25% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,014 | 4.63% |
| Jasper, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,186 | 4.38% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,492 | 2.75% |
| Helena-West Helena, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,977 | 5.75% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $10,158 | 3.38% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,099 | 5.50% |
| Bonham, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,625 | 5.63% |
| Lake City, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,340 | 4.50% |
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Product Mix
For 2022, Sovereign Lending Group Incorporated's most frequently originated type of loan was VA, with 369 originations. Their 2nd most popular type was Conventional, with 338 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 858 | $250,000,000 | $291,375 | $11,265 | 4.22% |
| Home Purchase | 110 | $43,810,000 | $398,273 | $10,123 | 5.13% |
For 2022, Sovereign Lending Group Incorporated's most frequently cited loan purpose was Refi, with 858 originations. The 2nd most popular reason was Home Purchase, with 110 originations.
Loan Duration/Length
For 2022, Sovereign Lending Group Incorporated's most frequently cited loan duration was 30 Year, with 899 originations. The 2nd most popular length was 15 Year, with 31 originations.
Origination Fees/Closing Costs
Sovereign Lending Group Incorporated's average total fees were $11,185, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 610 originations.
Interest Rates
During 2022, Sovereign Lending Group Incorporated's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 4-5%, with 310 originations.
Loan Sizing
2022 saw Sovereign Lending Group Incorporated place emphasis on $200k-400k loans with 511 originations, totaling $147,945,000 in origination value.
Applicant Income
Sovereign Lending Group Incorporated lent most frequently to those with incomes in the $50k-75k range, with 341 originations. The second most popular income band? $75k-100k, with 203 originations.
Applicant Debt to Income Ratio
Sovereign Lending Group Incorporated lent most frequently to those with DTI ratios of 50-60%, with 156 originations. The next most common DTI ratio? 30-36%, with 127 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.01%
Sovereign Lending Group Incorporated has an average approval rate.
Pick Rate
Approvals leading to origination-1,171.69%
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 | 968 | $293,810,000 | $303,523 |