Endeavor Capital Mortgage Rates, Fees & Info

Chesterfield, MO

LEI: 549300CUUEEQ66ZVK149

Tax ID: 43-1826060

5 stars - Updated: 7/7/25 - out of 5 stars, based on 43 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Endeavor Capital is a smaller mortgage company specializing in Home Purchase and Refi loans. They have a a high proportion of FHA loans. Endeavor Capital has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Kansas City, Dallas, Chicago, and Atlanta among others. We have data for 217 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Endeavor Capital 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. Endeavor Capital is typically a low 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.05% 7/7/25
    30 Year Conventional Refi 7.01% 7/7/25
    30 Year Cash-out Refi 7.33% 7/7/25
    30 Year FHA Purchase 7.35% 7/7/25
    30 Year FHA Refi 7.16% 7/7/25
    30 Year VA Purchase 6.66% 7/7/25
    30 Year VA Refi 6.43% 7/7/25
    30 Year USDA Purchase 6.84% 7/7/25
    15 Year Conventional Purchase 6.26% 7/7/25
    15 Year Conventional Refi 6.58% 7/7/25
    15 Year Cash-out Refi 6.58% 7/7/25
    15 Year FHA Refi 6.64% 7/7/25
    15 Year VA Refi 6.00% 7/7/25
    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.

    Endeavor Capital Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Endeavor Capital. 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

    1,885

    Origination Dollar Volume (All Markets)

    $411,755,000
    Show all (11) awards

    Relative Rate

    Endeavor Capital's average 30 year fixed mortgage rate was 6.54%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.01%.

    Relative Fees (Closing Costs)

    Endeavor Capital's average total fees/closing costs for a 30 year fixed rate mortgage were $7,122.

    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 $8,356.

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 635 $149,925,000 $236,102 $5,709 6.48%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 241 $64,215,000 $266,452 $6,194 6.37%
    Outside of Metro Areas 100 $17,040,000 $170,400 $6,600 6.44%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 21 $8,735,000 $415,952 $8,462 6.76%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 38 $8,060,000 $212,105 $9,305 6.42%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 39 $7,545,000 $193,462 $9,515 6.54%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 38 $7,510,000 $197,632 $8,361 6.46%
    COLUMBUS, OH (FHA|USDA|VA) 36 $6,860,000 $190,556 $8,361 6.45%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 34 $6,180,000 $181,765 $8,152 6.49%
    LOUISVILLE, KY (FHA|USDA|VA) 32 $6,180,000 $193,125 $8,187 6.40%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 28 $5,280,000 $188,571 $9,003 6.36%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 21 $5,015,000 $238,810 $6,345 6.43%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 20 $3,890,000 $194,500 $8,634 6.37%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 14 $3,430,000 $245,000 $9,721 6.30%
    SPRINGFIELD, MO (FHA|USDA|VA) 17 $3,235,000 $190,294 $6,881 6.50%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 12 $2,860,000 $238,333 $9,940 6.34%
    COLUMBIA, MO (FHA|USDA|VA) 8 $2,570,000 $321,250 $9,082 6.36%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 13 $2,385,000 $183,462 $7,853 6.58%
    JEFFERSON CITY, MO (FHA|USDA|VA) 9 $2,335,000 $259,444 $7,779 6.48%
    TOLEDO, OH (FHA|USDA|VA) 13 $2,255,000 $173,462 $8,198 6.37%
    AKRON, OH (FHA|USDA|VA) 13 $2,225,000 $171,154 $7,795 6.28%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 13 $2,145,000 $165,000 $9,303 6.28%
    Centralia, IL (FHA|USDA|VA) 12 $1,840,000 $153,333 $5,242 6.06%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 10 $1,830,000 $183,000 $7,077 6.53%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 11 $1,825,000 $165,909 $7,602 6.35%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $1,735,000 $192,778 $8,497 6.46%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $1,690,000 $169,000 $7,455 6.46%
    Mount Vernon, IL (FHA|USDA|VA) 8 $1,670,000 $208,750 $4,348 6.01%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 6 $1,660,000 $276,667 $8,431 6.44%
    Fort Leonard Wood, MO (FHA|USDA|VA) 7 $1,565,000 $223,571 $9,219 6.21%
    RACINE, WI (FHA|USDA|VA) 7 $1,395,000 $199,286 $7,898 6.53%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 6 $1,350,000 $225,000 $10,255 6.46%
    MOBILE, AL (FHA|USDA|VA) 6 $1,340,000 $223,333 $8,317 6.69%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $1,340,000 $335,000 $13,573 6.31%
    TOPEKA, KS (FHA|USDA|VA) 7 $1,325,000 $189,286 $4,815 6.64%
    TULSA, OK (FHA|USDA|VA) 7 $1,255,000 $179,286 $10,021 6.16%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 6 $1,230,000 $205,000 $8,680 6.50%
    DECATUR, IL (FHA|USDA|VA) 3 $1,185,000 $395,000 $6,593 6.50%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,130,000 $188,333 $9,847 6.52%
    GREEN BAY, WI (FHA|USDA|VA) 5 $1,105,000 $221,000 $8,459 6.30%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 5 $1,075,000 $215,000 $9,137 6.82%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 6 $1,070,000 $178,333 $8,811 6.17%
    AMES, IA (FHA|USDA|VA) 7 $1,065,000 $152,143 $7,462 6.41%
    MANHATTAN, KS (FHA|USDA|VA) 3 $1,025,000 $341,667 $9,488 6.58%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,015,000 $338,333 $11,081 6.08%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 7 $985,000 $140,714 $6,037 6.53%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 6 $980,000 $163,333 $8,295 6.23%
    HUNTSVILLE, AL (FHA|USDA|VA) 5 $925,000 $185,000 $9,339 6.50%
    JONESBORO, AR (FHA|USDA|VA) 5 $915,000 $183,000 $8,744 6.35%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $910,000 $227,500 $4,744 5.28%
    BLOOMINGTON, IN (FHA|USDA|VA) 4 $870,000 $217,500 $6,650 6.56%
    BOWLING GREEN, KY (FHA|USDA|VA) 4 $840,000 $210,000 $9,545 6.78%
    BOULDER, CO (FHA|USDA|VA) 2 $810,000 $405,000 $13,281 6.19%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $770,000 $385,000 $4,013 6.44%
    Ottawa, KS (FHA|USDA|VA) 4 $760,000 $190,000 $6,338 6.53%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 4 $750,000 $187,500 $8,731 6.09%
    EAU CLAIRE, WI (FHA|USDA|VA) 3 $735,000 $245,000 $9,917 6.42%
    Baraboo, WI (FHA|USDA|VA) 3 $735,000 $245,000 $8,019 6.21%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $720,000 $180,000 $6,406 6.56%
    Murray, KY (FHA|USDA|VA) 4 $700,000 $175,000 $5,598 6.69%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 4 $700,000 $175,000 $8,409 6.00%
    DUBUQUE, IA (FHA|USDA|VA) 3 $685,000 $228,333 $10,249 6.70%
    Frankfort, KY (FHA|USDA|VA) 4 $680,000 $170,000 $7,782 6.34%
    Maryville, MO (FHA|USDA|VA) 3 $675,000 $225,000 $5,545 6.70%
    Ashtabula, OH (FHA|USDA|VA) 4 $670,000 $167,500 $6,066 6.50%
    DOTHAN, AL (FHA|USDA|VA) 5 $655,000 $131,000 $7,299 6.60%
    ROCKFORD, IL (FHA|USDA|VA) 4 $650,000 $162,500 $9,701 6.03%
    Cullman, AL (FHA|USDA|VA) 3 $635,000 $211,667 $10,362 6.38%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $605,000 $605,000 $13,239 8.50%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 3 $585,000 $195,000 $8,312 6.21%
    APPLETON, WI (FHA|USDA|VA) 3 $585,000 $195,000 $9,003 6.46%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $580,000 $290,000 $5,430 6.06%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 4 $580,000 $145,000 $7,169 6.44%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $570,000 $285,000 $6,574 7.63%
    Kendallville, IN (FHA|USDA|VA) 3 $555,000 $185,000 $8,201 6.33%
    PEORIA, IL (FHA|USDA|VA) 4 $550,000 $137,500 $6,688 6.06%
    Wooster, OH (FHA|USDA|VA) 3 $545,000 $181,667 $6,213 6.29%
    KNOXVILLE, TN (FHA|USDA|VA) 3 $535,000 $178,333 $9,046 6.33%
    SAVANNAH, GA (FHA|USDA|VA) 3 $535,000 $178,333 $10,005 6.67%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $530,000 $132,500 $8,177 6.43%
    MONTGOMERY, AL (FHA|USDA|VA) 3 $525,000 $175,000 $8,465 6.74%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $525,000 $175,000 $7,686 6.58%
    VALDOSTA, GA (FHA|USDA|VA) 3 $505,000 $168,333 $9,336 6.38%
    JACKSON, TN (FHA|USDA|VA) 3 $505,000 $168,333 $8,445 6.71%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 3 $495,000 $165,000 $7,622 6.21%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $490,000 $245,000 $5,408 6.75%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $485,000 $161,667 $2,566 6.00%
    Fairfield, IA (FHA|USDA|VA) 3 $485,000 $161,667 $6,078 6.63%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $480,000 $240,000 $8,125 6.62%
    DECATUR, AL (FHA|USDA|VA) 3 $475,000 $158,333 $7,487 6.54%
    Beaver Dam, WI (FHA|USDA|VA) 2 $470,000 $235,000 $8,544 6.81%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $470,000 $235,000 $10,103 7.19%
    FORT SMITH, AR-OK (FHA|USDA|VA) 3 $465,000 $155,000 $6,421 6.75%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $460,000 $230,000 $8,087 6.31%
    FORT WAYNE, IN (FHA|USDA|VA) 3 $455,000 $151,667 $7,035 6.37%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $440,000 $220,000 $5,886 6.81%
    Seymour, IN (FHA|USDA|VA) 2 $440,000 $220,000 $9,022 6.12%
    PUEBLO, CO (FHA|USDA|VA) 3 $435,000 $145,000 $6,751 6.42%
    KANKAKEE, IL (FHA|USDA|VA) 1 $435,000 $435,000 $8,540 7.38%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $435,000 $145,000 $7,722 6.12%
    MADISON, WI (FHA|USDA|VA) 2 $430,000 $215,000 $10,270 6.50%
    Atchison, KS (FHA|USDA|VA) 4 $420,000 $105,000 $4,586 6.25%
    Washington Court House, OH (FHA|USDA|VA) 3 $415,000 $138,333 $8,439 6.37%
    COLUMBUS, IN (FHA|USDA|VA) 1 $415,000 $415,000 $5,807 7.13%
    Warrensburg, MO (FHA|USDA|VA) 2 $410,000 $205,000 $4,111 7.19%
    Jasper, IN (FHA|USDA|VA) 2 $410,000 $205,000 $8,982 6.25%
    Mount Vernon, OH (FHA|USDA|VA) 3 $405,000 $135,000 $6,230 6.25%
    SHEBOYGAN, WI (FHA|USDA|VA) 2 $390,000 $195,000 $9,002 6.00%
    Farmington, MO (FHA|USDA|VA) 2 $370,000 $185,000 $7,727 6.44%
    Crawfordsville, IN (FHA|USDA|VA) 2 $370,000 $185,000 $7,166 6.31%
    Marion, IN (FHA|USDA|VA) 3 $365,000 $121,667 $5,583 6.17%
    Statesboro, GA (FHA|USDA|VA) 2 $360,000 $180,000 $12,949 6.37%
    CLEVELAND, TN (FHA|USDA|VA) 2 $350,000 $175,000 $9,416 6.63%
    Marshall, MO (FHA|USDA|VA) 2 $350,000 $175,000 $8,457 6.44%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $350,000 $175,000 $5,471 5.81%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $350,000 $175,000 $7,371 6.44%
    LaGrange, GA-AL (FHA|USDA|VA) 2 $340,000 $170,000 $11,098 5.88%
    KOKOMO, IN (FHA|USDA|VA) 2 $340,000 $170,000 $7,288 6.68%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $330,000 $165,000 $6,685 6.43%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $325,000 $325,000 $9,230 7.63%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $315,000 $315,000 $6,532 6.25%
    Arkadelphia, AR (FHA|USDA|VA) 2 $310,000 $155,000 $9,604 6.56%
    DALTON, GA (FHA|USDA|VA) 2 $310,000 $155,000 $10,590 6.24%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $310,000 $155,000 $8,757 6.50%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $300,000 $150,000 $5,682 6.87%
    TUSCALOOSA, AL (FHA|USDA|VA) 2 $300,000 $150,000 $8,113 7.06%
    Enterprise, AL (FHA|USDA|VA) 1 $295,000 $295,000 $11,307 6.63%
    Sikeston, MO (FHA|USDA|VA) 2 $290,000 $145,000 $5,666 6.75%
    TERRE HAUTE, IN (FHA|USDA|VA) 2 $290,000 $145,000 $7,752 6.06%
    Muscatine, IA (FHA|USDA|VA) 2 $290,000 $145,000 $8,666 6.25%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $285,000 $285,000 $4,937 7.13%
    New Castle, IN (FHA|USDA|VA) 2 $280,000 $140,000 $7,700 6.31%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $275,000 $275,000 $15,315 6.49%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $270,000 $135,000 $7,328 6.63%
    Sandusky, OH (FHA|USDA|VA) 2 $270,000 $135,000 $6,195 6.81%
    Wabash, IN (FHA|USDA|VA) 2 $260,000 $130,000 $4,495 7.12%
    MANSFIELD, OH (FHA|USDA|VA) 2 $260,000 $130,000 $6,631 6.31%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $255,000 $255,000 $5,935 6.88%
    PINE BLUFF, AR (FHA|USDA|VA) 1 $255,000 $255,000 $10,988 6.75%
    North Vernon, IN (FHA|USDA|VA) 2 $250,000 $125,000 $7,261 6.31%
    Marshalltown, IA (FHA|USDA|VA) 2 $250,000 $125,000 $6,572 6.56%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $1,883 6.25%
    Cookeville, TN (FHA|USDA|VA) 1 $245,000 $245,000 $9,052 7.38%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $245,000 $245,000 $13,045 6.25%
    LAWRENCE, KS (FHA|USDA|VA) 1 $245,000 $245,000 $3,445 7.13%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $245,000 $245,000 $4,775 5.88%
    Portsmouth, OH (FHA|USDA|VA) 1 $245,000 $245,000 $10,203 6.13%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $235,000 $235,000 $10,458 6.49%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $6,970 8.50%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $225,000 $225,000 $9,119 6.50%
    Lewisburg, TN (FHA|USDA|VA) 1 $225,000 $225,000 $10,104 6.13%
    Burlington, IA-IL (FHA|USDA|VA) 2 $220,000 $110,000 $6,126 6.25%
    Mountain Home, AR (FHA|USDA|VA) 2 $220,000 $110,000 $5,216 6.88%
    Clewiston, FL (FHA|USDA|VA) 1 $215,000 $215,000 $8,217 6.63%
    MUNCIE, IN (FHA|USDA|VA) 1 $215,000 $215,000 $8,761 6.25%
    Defiance, OH (FHA|USDA|VA) 2 $210,000 $105,000 $6,024 6.50%
    OWENSBORO, KY (FHA|USDA|VA) 2 $210,000 $105,000 $5,627 6.50%
    Fort Payne, AL (FHA|USDA|VA) 1 $205,000 $205,000 $4,392 6.49%
    Maysville, KY (FHA|USDA|VA) 1 $205,000 $205,000 $10,222 6.75%
    Angola, IN (FHA|USDA|VA) 1 $205,000 $205,000 $7,116 5.63%
    Warsaw, IN (FHA|USDA|VA) 1 $205,000 $205,000 $5,608 6.13%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $195,000 $195,000 $11,394 6.63%
    Branson, MO (FHA|USDA|VA) 1 $195,000 $195,000 $8,933 6.63%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $185,000 $185,000 $5,584 6.49%
    Manitowoc, WI (FHA|USDA|VA) 1 $185,000 $185,000 $8,777 6.25%
    St. Marys, GA (FHA|USDA|VA) 1 $185,000 $185,000 $10,139 6.63%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $185,000 $185,000 $8,403 6.99%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $185,000 $185,000 $8,993 5.75%
    Jefferson, GA (FHA|USDA|VA) 1 $185,000 $185,000 $10,976 6.25%
    Salina, KS (FHA|USDA|VA) 1 $185,000 $185,000 $3,692 5.38%
    Salem, OH (FHA|USDA|VA) 1 $185,000 $185,000 $8,280 6.50%
    Duncan, OK (FHA|USDA|VA) 1 $185,000 $185,000 $10,482 5.99%
    ALBANY, GA (FHA|USDA|VA) 1 $175,000 $175,000 $9,625 6.50%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $175,000 $175,000 $9,746 6.63%
    Paris, TN (FHA|USDA|VA) 1 $175,000 $175,000 $6,447 6.99%
    Pittsburg, KS (FHA|USDA|VA) 1 $175,000 $175,000 $8,071 5.62%
    Union City, TN (FHA|USDA|VA) 1 $165,000 $165,000 $10,311 6.25%
    McMinnville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $9,573 6.63%
    Muskogee, OK (FHA|USDA|VA) 1 $165,000 $165,000 $6,708 6.13%
    Albertville, AL (FHA|USDA|VA) 1 $165,000 $165,000 $8,309 6.38%
    London, KY (FHA|USDA|VA) 1 $165,000 $165,000 $9,881 6.49%
    Sedalia, MO (FHA|USDA|VA) 1 $155,000 $155,000 $4,334 6.38%
    ROME, GA (FHA|USDA|VA) 1 $155,000 $155,000 $9,748 6.25%
    Sidney, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,720 6.88%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $155,000 $155,000 $8,068 6.75%
    Madisonville, KY (FHA|USDA|VA) 1 $155,000 $155,000 $7,432 6.87%
    Huntington, IN (FHA|USDA|VA) 1 $155,000 $155,000 $7,077 6.49%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $155,000 $155,000 $9,448 6.25%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $145,000 $145,000 $8,472 6.25%
    Bardstown, KY (FHA|USDA|VA) 1 $145,000 $145,000 $4,623 6.38%
    Newport, TN (FHA|USDA|VA) 1 $145,000 $145,000 $9,330 6.37%
    LAWTON, OK (FHA|USDA|VA) 1 $145,000 $145,000 $9,985 6.13%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $5,719 6.38%
    Shawano, WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,734 6.49%
    Thomasville, GA (FHA|USDA|VA) 1 $145,000 $145,000 $8,603 6.63%
    Richmond, IN (FHA|USDA|VA) 1 $145,000 $145,000 $5,886 6.88%
    Paragould, AR (FHA|USDA|VA) 1 $135,000 $135,000 $7,936 6.25%
    Logansport, IN (FHA|USDA|VA) 1 $135,000 $135,000 $7,053 6.13%
    LIMA, OH (FHA|USDA|VA) 1 $135,000 $135,000 $8,826 6.13%
    Greensburg, IN (FHA|USDA|VA) 1 $135,000 $135,000 $7,566 6.63%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $135,000 $135,000 $9,211 6.25%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $125,000 $125,000 $4,366 6.50%
    Bartlesville, OK (FHA|USDA|VA) 1 $125,000 $125,000 $10,408 6.25%
    Wilmington, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,322 6.13%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $125,000 $125,000 $5,337 8.13%
    Parsons, KS (FHA|USDA|VA) 1 $125,000 $125,000 $6,785 6.49%
    Ardmore, OK (FHA|USDA|VA) 1 $125,000 $125,000 $6,859 6.50%
    Clinton, IA (FHA|USDA|VA) 1 $125,000 $125,000 $7,360 6.49%
    Hannibal, MO (FHA|USDA|VA) 1 $115,000 $115,000 $7,171 6.13%
    Central City, KY (FHA|USDA|VA) 1 $115,000 $115,000 $3,607 5.99%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $105,000 $105,000 $5,331 6.88%
    Calhoun, GA (FHA|USDA|VA) 1 $105,000 $105,000 $7,723 6.13%
    Danville, KY (FHA|USDA|VA) 1 $105,000 $105,000 $6,790 6.49%
    Tiffin, OH (FHA|USDA|VA) 1 $95,000 $95,000 $6,637 6.63%
    Auburn, IN (FHA|USDA|VA) 1 $85,000 $85,000 $4,815 5.99%
    McPherson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $3,516 7.38%
    Coffeyville, KS (FHA|USDA|VA) 1 $75,000 $75,000 $5,196 6.50%
    Endeavor Capital's top markets include St. Louis, Kansas City, Dallas, Chicago, and Atlanta among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 905 $179,485,000 $198,326 $8,781 6.39%
    Conventional 823 $187,725,000 $228,098 $5,003 6.52%
    VA 149 $43,165,000 $289,698 $6,425 6.37%
    USDA 8 $1,380,000 $172,500 $5,455 6.26%

    For 2024, Endeavor Capital's most frequently originated type of loan was FHA, with 905 originations. Their 2nd most popular type was Conventional, with 823 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 871 $218,485,000 $250,844 $5,699 6.44%
    Refi 806 $152,710,000 $189,467 $7,980 6.41%
    Cash Out Refi 204 $39,870,000 $195,441 $8,388 6.59%
    Home Improvement 4 $690,000 $172,500 $8,778 6.25%

    For 2024, Endeavor Capital's most frequently cited loan purpose was Home Purchase, with 871 originations. The 2nd most popular reason was Refi, with 806 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,811 $401,855,000 $221,897 $7,122 6.54%
    10 Year 24 $140,000 $5,833 $78 0.00%
    Other 22 $3,820,000 $173,636 $6,881 6.47%
    15 Year 15 $3,685,000 $245,667 $6,089 6.13%
    20 Year 11 $2,245,000 $204,091 $6,718 6.61%
    3 Year 1 $5,000 $5,000 $0 0.00%
    5 Year 1 $5,000 $5,000 $0 0.00%

    For 2024, Endeavor Capital's most frequently cited loan duration was 30 Year, with 1,811 originations. The 2nd most popular length was 10 Year, with 24 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 467 $106,965,000 $229,047
    $2k-3k 443 $88,575,000 $199,944
    $3k-4k 356 $69,690,000 $195,758
    $4k-5k 236 $50,040,000 $212,034
    $5k+ 206 $57,430,000 $278,786
    $<1k 176 $38,860,000 $220,795

    Endeavor Capital's average total fees were $7,122, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 467 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,323 $287,605,000 $217,389
    5-6% 281 $61,665,000 $219,448
    7-8% 229 $56,915,000 $248,537
    <2.5% 29 $175,000 $6,034
    Over 8% 20 $4,120,000 $206,000
    4-5% 3 $1,275,000 $425,000

    During 2024, Endeavor Capital's average interest rate for loans was 6.54%, while their most frequently originated rate bucket for loans was 6-7%, with 1,323 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 881 $134,515,000 $152,684 $6,755 6.48%
    $200k-400k 744 $199,320,000 $267,903 $7,716 6.59%
    $100,000 or less 125 $7,915,000 $63,320 $3,098 5.18%
    $400k-600k 105 $48,475,000 $461,667 $7,986 6.64%
    $600k-1MM 29 $20,315,000 $700,517 $7,634 6.60%
    $1MM+ 1 $1,215,000 $1,215,000 $15,758 6.63%

    2024 saw Endeavor Capital place emphasis on $100k-200k loans with 881 originations, totaling $134,515,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 556 $94,380,000 $169,748 $6,840 6.28%
    $100k-150k 408 $104,420,000 $255,931 $7,517 6.56%
    $75k-100k 372 $77,300,000 $207,796 $7,378 6.45%
    $50k or less 282 $42,470,000 $150,603 $5,828 6.22%
    $150k-250k 212 $69,830,000 $329,387 $7,623 6.80%
    $250k+ 54 $23,160,000 $428,889 $5,988 7.04%

    Endeavor Capital lent most frequently to those with incomes in the $50k-75k range, with 556 originations. The second most popular income band? $100k-150k, with 408 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 321 $68,785,000 $214,283 $6,793 6.53%
    50-60% 272 $60,340,000 $221,838 $8,955 6.32%
    20-30% 247 $51,215,000 $207,348 $6,252 6.35%
    44% 94 $20,810,000 $221,383 $7,004 6.48%
    43% 85 $17,265,000 $203,118 $6,725 6.53%
    40% 84 $16,540,000 $196,905 $6,301 6.60%
    42% 76 $16,050,000 $211,184 $7,445 6.36%
    49% 72 $17,830,000 $247,639 $7,384 6.50%
    41% 71 $16,455,000 $231,761 $6,561 6.41%
    38% 64 $12,810,000 $200,156 $6,683 6.59%
    <20% 61 $10,535,000 $172,705 $4,792 6.20%
    39% 61 $14,245,000 $233,525 $6,507 6.55%
    45% 60 $13,670,000 $227,833 $7,817 6.57%
    46% 59 $14,105,000 $239,068 $7,440 6.46%
    37% 58 $11,130,000 $191,897 $6,132 6.60%
    36% 57 $13,115,000 $230,088 $6,757 6.49%
    48% 48 $12,460,000 $259,583 $7,675 6.47%
    47% 45 $12,325,000 $273,889 $8,510 6.53%
    >60% 37 $8,645,000 $233,649 $3,532 6.07%

    Endeavor Capital lent most frequently to those with DTI ratios of 30-36%, with 321 originations. The next most common DTI ratio? 50-60%, with 272 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,582 $343,310,000 $217,010 $6,898 6.45%
    Black 123 $25,935,000 $210,854 $7,602 6.39%
    Asian 68 $20,800,000 $305,882 $6,363 6.67%
    Not provided 104 $20,450,000 $196,635 $8,457 6.41%
    American Indian 7 $1,105,000 $157,857 $4,065 5.37%
    Native Hawaiian or Islander 1 $155,000 $155,000 $11,216 6.37%

    Approval Rates

    Total approvals of all applications
    97.03%

    Endeavor Capital has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    35.01%

    Endeavor Capital 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 1,885 $411,755,000 $218,438

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,885 $411,755,000 $218,438

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 23 $3,295,000 $143,261 $4,977 6.61%
    40-60% 208 $35,960,000 $172,885 $6,326 6.44%
    60-80% 694 $141,710,000 $204,193 $7,828 6.60%
    80-100% 898 $219,640,000 $244,588 $6,740 6.54%
    Over 100% 30 $10,710,000 $357,000 $10,848 6.12%
    Under 20% 32 $440,000 $13,750 $258 0.55%