Endeavor Capital Mortgage Rates, Fees & Info

Chesterfield, MO

LEI: 549300CUUEEQ66ZVK149

Tax ID: 43-1826060

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

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Mortgage Data

Review & Overview

Endeavor Capital is a smaller mortgage company specializing in Refi and Home Purchase loans. Endeavor Capital 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: St. Louis, Kansas City, Indianapolis, Dallas, and Chicago among others. We have data for 173 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
Home Equity Line of Credit (HELOC) 6.27% 12/17/24
30 Year Conventional Purchase 6.85% 12/17/24
30 Year Conventional Refi 6.68% 12/17/24
30 Year Cash-out Refi 6.76% 12/17/24
30 Year FHA Purchase 7.64% 12/17/24
30 Year FHA Refi 7.12% 12/17/24
30 Year VA Purchase 6.44% 12/17/24
30 Year VA Refi 6.22% 12/17/24
30 Year USDA Purchase 7.06% 12/17/24
30 Year USDA Refi 6.27% 12/17/24
15 Year Conventional Purchase 6.09% 12/17/24
15 Year Conventional Refi 6.32% 12/17/24
15 Year Cash-out Refi 6.32% 12/17/24
15 Year FHA Purchase 8.03% 12/17/24
15 Year FHA Refi 7.12% 12/17/24
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.

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

3,916

Origination Dollar Volume (All Markets)

$823,460,000
Show all (9) awards

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) 1,763 $371,995,000 $211,001 $3,278 3.01%
KANSAS CITY, MO-KS (FHA|USDA|VA) 644 $137,920,000 $214,161 $3,960 3.02%
Outside of Metro Areas 173 $29,175,000 $168,642 $3,669 3.06%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 141 $28,475,000 $201,950 $3,724 3.04%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 73 $23,045,000 $315,685 $2,421 2.84%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 92 $19,960,000 $216,957 $3,844 3.13%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 64 $15,850,000 $247,656 $4,839 3.11%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 33 $11,475,000 $347,727 $3,744 2.98%
COLUMBUS, OH (FHA|USDA|VA) 47 $10,375,000 $220,745 $4,474 3.01%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 53 $9,635,000 $181,792 $3,685 2.92%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 41 $8,945,000 $218,171 $4,234 2.99%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 39 $7,745,000 $198,590 $4,227 3.11%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 31 $7,685,000 $247,903 $4,438 3.12%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 29 $7,455,000 $257,069 $1,391 2.76%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 38 $6,280,000 $165,263 $3,756 3.12%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 24 $5,660,000 $235,833 $3,616 2.91%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 15 $5,325,000 $355,000 $4,382 3.11%
SPRINGFIELD, MO (FHA|USDA|VA) 31 $5,275,000 $170,161 $3,859 3.09%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 22 $4,110,000 $186,818 $4,375 3.07%
KNOXVILLE, TN (FHA|USDA|VA) 17 $3,755,000 $220,882 $4,232 3.09%
TOPEKA, KS (FHA|USDA|VA) 18 $3,720,000 $206,667 $3,845 3.16%
Farmington, MO (FHA|USDA|VA) 21 $3,015,000 $143,571 $3,405 3.08%
WICHITA, KS (FHA|USDA|VA) 16 $2,980,000 $186,250 $2,952 2.88%
AKRON, OH (FHA|USDA|VA) 19 $2,685,000 $141,316 $3,929 2.93%
DAYTON-KETTERING, OH (FHA|USDA|VA) 13 $2,635,000 $202,692 $3,887 3.14%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 17 $2,505,000 $147,353 $3,731 3.03%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 15 $2,455,000 $163,667 $3,249 3.03%
COLORADO SPRINGS, CO (FHA|USDA|VA) 9 $2,445,000 $271,667 $4,287 3.18%
COLUMBIA, MO (FHA|USDA|VA) 10 $2,040,000 $204,000 $4,513 3.01%
EVANSVILLE, IN-KY (FHA|USDA|VA) 9 $1,995,000 $221,667 $4,668 3.40%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 11 $1,975,000 $179,545 $4,482 2.95%
Warrensburg, MO (FHA|USDA|VA) 10 $1,820,000 $182,000 $4,071 3.04%
MUNCIE, IN (FHA|USDA|VA) 9 $1,805,000 $200,556 $4,236 3.00%
FORT WAYNE, IN (FHA|USDA|VA) 8 $1,730,000 $216,250 $4,995 3.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 8 $1,680,000 $210,000 $3,932 3.30%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $1,680,000 $280,000 $5,742 3.15%
PEORIA, IL (FHA|USDA|VA) 9 $1,575,000 $175,000 $3,602 3.10%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $1,565,000 $313,000 $5,011 2.80%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 8 $1,500,000 $187,500 $4,005 2.97%
CARBONDALE-MARION, IL (FHA|USDA|VA) 12 $1,450,000 $120,833 $3,370 3.06%
Sevierville, TN (FHA|USDA|VA) 6 $1,420,000 $236,667 $4,661 3.13%
LOUISVILLE, KY (FHA|USDA|VA) 7 $1,375,000 $196,429 $5,296 2.84%
GREELEY, CO (FHA|USDA|VA) 3 $1,345,000 $448,333 $6,680 3.17%
TOLEDO, OH (FHA|USDA|VA) 11 $1,335,000 $121,364 $4,100 3.00%
LAWRENCE, KS (FHA|USDA|VA) 7 $1,325,000 $189,286 $5,448 3.02%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,270,000 $317,500 $4,658 2.78%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 6 $1,230,000 $205,000 $3,625 3.19%
Branson, MO (FHA|USDA|VA) 5 $1,215,000 $243,000 $4,030 2.90%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $1,105,000 $368,333 $4,973 3.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,075,000 $215,000 $4,245 2.95%
Zanesville, OH (FHA|USDA|VA) 4 $1,070,000 $267,500 $5,533 3.47%
Fort Leonard Wood, MO (FHA|USDA|VA) 3 $1,015,000 $338,333 $4,245 2.88%
JOPLIN, MO (FHA|USDA|VA) 4 $1,010,000 $252,500 $4,460 3.19%
JONESBORO, AR (FHA|USDA|VA) 5 $985,000 $197,000 $4,455 3.40%
Ottawa, KS (FHA|USDA|VA) 4 $940,000 $235,000 $3,502 3.38%
MORRISTOWN, TN (FHA|USDA|VA) 6 $900,000 $150,000 $3,430 3.00%
BOULDER, CO (FHA|USDA|VA) 2 $900,000 $450,000 $10,781 3.63%
Centralia, IL (FHA|USDA|VA) 6 $870,000 $145,000 $3,610 3.27%
Glenwood Springs, CO (FHA|USDA|VA) 2 $860,000 $430,000 $3,118 3.00%
ROCKFORD, IL (FHA|USDA|VA) 6 $820,000 $136,667 $4,726 3.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $820,000 $205,000 $5,145 3.00%
Atchison, KS (FHA|USDA|VA) 5 $805,000 $161,000 $2,538 3.45%
MISSOULA, MT (FHA|USDA|VA) 4 $790,000 $197,500 $3,899 3.06%
JEFFERSON CITY, MO (FHA|USDA|VA) 5 $745,000 $149,000 $3,655 3.05%
BLOOMINGTON, IL (FHA|USDA|VA) 5 $725,000 $145,000 $3,457 3.15%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $690,000 $172,500 $2,393 2.78%
KANKAKEE, IL (FHA|USDA|VA) 5 $685,000 $137,000 $3,783 3.13%
KOKOMO, IN (FHA|USDA|VA) 4 $660,000 $165,000 $3,881 3.09%
Angola, IN (FHA|USDA|VA) 2 $650,000 $325,000 $5,211 3.25%
Fremont, OH (FHA|USDA|VA) 2 $630,000 $315,000 $4,072 3.31%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 4 $630,000 $157,500 $3,135 3.00%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $625,000 $208,333 $4,699 3.17%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $605,000 $121,000 $3,795 3.05%
TEXARKANA, TX-AR (FHA|USDA|VA) 3 $605,000 $201,667 $5,659 3.79%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $600,000 $300,000 $4,985 3.63%
New Castle, IN (FHA|USDA|VA) 3 $595,000 $198,333 $3,961 3.13%
FORT SMITH, AR-OK (FHA|USDA|VA) 3 $575,000 $191,667 $5,382 3.00%
TERRE HAUTE, IN (FHA|USDA|VA) 4 $560,000 $140,000 $3,922 3.06%
Durango, CO (FHA|USDA|VA) 2 $550,000 $275,000 $2,946 2.94%
LIMA, OH (FHA|USDA|VA) 3 $545,000 $181,667 $3,618 3.08%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $540,000 $270,000 $11,605 3.19%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $535,000 $178,333 $2,327 2.88%
Maryville, MO (FHA|USDA|VA) 2 $530,000 $265,000 $2,920 3.13%
Lewisburg, TN (FHA|USDA|VA) 2 $530,000 $265,000 $3,891 3.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $525,000 $105,000 $3,451 3.05%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $525,000 $175,000 $3,390 2.83%
WHEELING, WV-OH (FHA|USDA|VA) 2 $520,000 $260,000 $5,067 3.19%
Mount Vernon, IL (FHA|USDA|VA) 3 $515,000 $171,667 $6,575 3.08%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $505,000 $168,333 $3,705 2.92%
JACKSON, TN (FHA|USDA|VA) 3 $495,000 $165,000 $2,203 2.92%
Montrose, CO (FHA|USDA|VA) 1 $495,000 $495,000 $7,358 2.75%
Plymouth, IN (FHA|USDA|VA) 2 $490,000 $245,000 $7,008 2.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $480,000 $240,000 $3,800 2.88%
CLEVELAND, TN (FHA|USDA|VA) 3 $475,000 $158,333 $3,191 2.83%
Seymour, IN (FHA|USDA|VA) 3 $455,000 $151,667 $3,268 3.08%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $455,000 $151,667 $4,745 2.54%
Rolla, MO (FHA|USDA|VA) 2 $450,000 $225,000 $3,246 2.81%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $420,000 $210,000 $4,652 3.00%
Frankfort, IN (FHA|USDA|VA) 2 $410,000 $205,000 $6,083 3.44%
DECATUR, IL (FHA|USDA|VA) 4 $400,000 $100,000 $3,932 3.22%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $400,000 $200,000 $3,234 3.44%
FORT COLLINS, CO (FHA|USDA|VA) 1 $385,000 $385,000 $4,473 3.00%
Lebanon, MO (FHA|USDA|VA) 2 $370,000 $185,000 $2,486 2.81%
Dodge City, KS (FHA|USDA|VA) 2 $360,000 $180,000 $5,290 2.88%
PINE BLUFF, AR (FHA|USDA|VA) 2 $350,000 $175,000 $4,196 2.75%
Wooster, OH (FHA|USDA|VA) 2 $350,000 $175,000 $5,127 3.06%
Fort Morgan, CO (FHA|USDA|VA) 2 $350,000 $175,000 $3,421 3.06%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $340,000 $170,000 $3,256 3.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $340,000 $170,000 $6,160 3.00%
Ashland, OH (FHA|USDA|VA) 2 $310,000 $155,000 $3,372 3.31%
Ashtabula, OH (FHA|USDA|VA) 2 $310,000 $155,000 $3,714 3.06%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,165 3.63%
COLUMBUS, IN (FHA|USDA|VA) 2 $290,000 $145,000 $1,490 2.75%
Logansport, IN (FHA|USDA|VA) 1 $285,000 $285,000 $3,951 4.25%
Decatur, IN (FHA|USDA|VA) 2 $280,000 $140,000 $2,978 3.31%
Poplar Bluff, MO (FHA|USDA|VA) 2 $280,000 $140,000 $4,411 3.13%
New Philadelphia-Dover, OH (FHA|USDA|VA) 2 $280,000 $140,000 $3,251 2.94%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $270,000 $135,000 $4,483 3.00%
Sikeston, MO (FHA|USDA|VA) 2 $250,000 $125,000 $3,033 2.81%
Marietta, OH (FHA|USDA|VA) 1 $245,000 $245,000 $8,336 3.50%
Richmond, IN (FHA|USDA|VA) 2 $240,000 $120,000 $3,602 2.94%
Bluffton, IN (FHA|USDA|VA) 1 $235,000 $235,000 $1,594 2.50%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $235,000 $235,000 $4,109 2.88%
Liberal, KS (FHA|USDA|VA) 1 $225,000 $225,000 $5,315 3.13%
Mount Vernon, OH (FHA|USDA|VA) 1 $225,000 $225,000 $3,977 3.25%
Connersville, IN (FHA|USDA|VA) 1 $225,000 $225,000 $3,107 3.25%
Pampa, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,176 4.13%
Lawrenceburg, TN (FHA|USDA|VA) 1 $225,000 $225,000 $3,858 2.88%
Auburn, IN (FHA|USDA|VA) 1 $225,000 $225,000 $3,072 3.63%
McPherson, KS (FHA|USDA|VA) 1 $225,000 $225,000 $5,007 2.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,664 3.63%
Cookeville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $4,078 3.25%
Portsmouth, OH (FHA|USDA|VA) 1 $215,000 $215,000 $4,366 3.25%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $205,000 $205,000 $5,315 2.88%
Mexico, MO (FHA|USDA|VA) 1 $205,000 $205,000 $3,354 2.75%
Washington Court House, OH (FHA|USDA|VA) 1 $205,000 $205,000 $4,062 3.25%
Lufkin, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,510 3.63%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,051 2.75%
Chillicothe, OH (FHA|USDA|VA) 1 $185,000 $185,000 $3,481 3.25%
AMARILLO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,063 3.00%
Norwalk, OH (FHA|USDA|VA) 1 $175,000 $175,000 $4,323 2.88%
Athens, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,177 3.38%
THE VILLAGES, FL (FHA|USDA|VA) 1 $175,000 $175,000 $1,213 3.13%
WACO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $2,234 3.00%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,321 3.00%
LUBBOCK, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,303 3.25%
Lincoln, IL (FHA|USDA|VA) 1 $165,000 $165,000 $3,328 3.38%
Warsaw, IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,599 3.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,225 3.13%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $165,000 $165,000 $5,927 3.50%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $165,000 $165,000 $3,375 2.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,670 3.00%
Newport, TN (FHA|USDA|VA) 1 $155,000 $155,000 $2,713 2.75%
DANVILLE, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,578 2.50%
Coffeyville, KS (FHA|USDA|VA) 1 $145,000 $145,000 $2,503 3.13%
Garden City, KS (FHA|USDA|VA) 1 $145,000 $145,000 $3,024 2.38%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,217 2.88%
Paducah, KY-IL (FHA|USDA|VA) 1 $135,000 $135,000 $3,762 2.75%
Dayton, TN (FHA|USDA|VA) 1 $135,000 $135,000 $3,596 3.63%
McMinnville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $3,767 2.88%
Whitewater, WI (FHA|USDA|VA) 1 $125,000 $125,000 $3,814 3.13%
Marshall, MO (FHA|USDA|VA) 1 $115,000 $115,000 $3,339 2.38%
CaƱon City, CO (FHA|USDA|VA) 1 $115,000 $115,000 $2,373 2.75%
Mountain Home, AR (FHA|USDA|VA) 1 $115,000 $115,000 $3,860 3.13%
Dyersburg, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,476 2.75%
El Dorado, AR (FHA|USDA|VA) 1 $115,000 $115,000 $4,708 3.13%
Ottawa, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,806 3.13%
Malvern, AR (FHA|USDA|VA) 1 $95,000 $95,000 $4,504 3.25%
Batesville, AR (FHA|USDA|VA) 1 $95,000 $95,000 $3,432 2.38%
Sandusky, OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,292 2.88%
BILLINGS, MT (FHA|USDA|VA) 1 $95,000 $95,000 $2,883 2.88%
Vincennes, IN (FHA|USDA|VA) 1 $95,000 $95,000 $5,038 2.13%
Marion, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,276 2.50%
Endeavor Capital's top markets include St. Louis, Kansas City, Indianapolis, Dallas, and Chicago among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,151 $682,945,000 $216,739 $3,317 3.00%
    FHA 570 $97,720,000 $171,439 $5,103 3.16%
    VA 167 $38,675,000 $231,587 $4,178 2.86%
    USDA 27 $4,035,000 $149,444 $4,324 3.16%
    HELOC 1 $85,000 $85,000 n/a 4.25%

    For 2021, Endeavor Capital's most frequently originated type of loan was Conventional, with 3,151 originations. Their 2nd most popular type was FHA, with 570 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,300 $462,200,000 $200,957 $3,355 2.93%
    Home Purchase 1,089 $242,095,000 $222,309 $4,022 3.16%
    Cash Out Refi 516 $116,970,000 $226,686 $3,940 3.12%
    Home Improvement 10 $1,940,000 $194,000 $3,361 3.10%
    Other 1 $255,000 $255,000 $4,394 3.00%

    For 2021, Endeavor Capital's most frequently cited loan purpose was Refi, with 2,300 originations. The 2nd most popular reason was Home Purchase, with 1,089 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,998 $645,410,000 $215,280 $3,836 3.12%
    15 Year 452 $89,610,000 $198,252 $2,657 2.53%
    20 Year 232 $43,680,000 $188,276 $3,148 2.88%
    Other 166 $34,100,000 $205,422 $3,585 2.99%
    10 Year 68 $10,660,000 $156,765 $2,072 2.36%

    For 2021, Endeavor Capital's most frequently cited loan duration was 30 Year, with 2,998 originations. The 2nd most popular length was 15 Year, with 452 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,218 $442,210,000 $199,373
    $<1k 814 $186,840,000 $229,533
    $2k-3k 541 $107,135,000 $198,031
    $3k-4k 167 $37,625,000 $225,299
    $5k+ 95 $29,195,000 $307,316
    $4k-5k 80 $20,370,000 $254,625

    Endeavor Capital's average total fees were $3,836, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,218 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,752 $358,420,000 $204,578
    2.5-3% 1,636 $353,810,000 $216,265
    <2.5% 487 $101,665,000 $208,758
    4-5% 41 $9,565,000 $233,293

    During 2021, Endeavor Capital's average interest rate for loans was 3.12%, while their most frequently originated rate bucket for loans was 3-4%, with 1,752 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,812 $274,270,000 $151,363 $3,402 3.01%
    $200k-400k 1,542 $417,420,000 $270,700 $3,959 3.04%
    $100,000 or less 349 $28,735,000 $82,335 $2,993 3.04%
    $400k-600k 207 $97,635,000 $471,667 $4,016 2.94%
    $600k-1MM 4 $2,970,000 $742,500 $3,264 3.28%
    $1MM+ 2 $2,430,000 $1,215,000 $6,365 3.19%

    2021 saw Endeavor Capital place emphasis on $100k-200k loans with 1,812 originations, totaling $274,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 905 $130,205,000 $143,873 $3,275 3.02%
    $50k-75k 900 $158,970,000 $176,633 $3,839 3.06%
    $100k-150k 864 $216,340,000 $250,394 $3,577 2.99%
    $75k-100k 751 $163,005,000 $217,051 $3,948 3.05%
    $150k-250k 396 $118,570,000 $299,419 $3,447 3.00%
    $250k+ 94 $35,000,000 $372,340 $3,273 2.88%

    Endeavor Capital lent most frequently to those with incomes in the $50k or less range, with 905 originations. The second most popular income band? $50k-75k, with 900 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 875 $180,995,000 $206,851 $3,303 2.97%
    30-36% 707 $153,365,000 $216,924 $3,656 3.03%
    <20% 534 $102,650,000 $192,228 $2,480 2.81%
    44% 181 $40,115,000 $221,630 $4,081 3.12%
    43% 162 $34,320,000 $211,852 $3,963 3.11%
    36% 142 $30,570,000 $215,282 $3,972 3.11%
    39% 139 $30,885,000 $222,194 $3,821 3.12%
    40% 135 $28,455,000 $210,778 $3,744 3.08%
    50-60% 132 $26,640,000 $201,818 $6,367 3.23%
    42% 130 $26,790,000 $206,077 $3,862 3.10%
    41% 128 $26,890,000 $210,078 $4,105 3.13%
    37% 123 $27,595,000 $224,350 $3,532 3.10%
    38% 119 $25,355,000 $213,067 $3,561 3.10%
    45% 100 $22,010,000 $220,100 $3,904 3.06%
    49% 81 $16,455,000 $203,148 $3,878 3.05%
    47% 76 $15,900,000 $209,211 $4,515 3.12%
    46% 76 $17,040,000 $224,211 $3,609 3.01%
    48% 72 $16,520,000 $229,444 $4,230 3.09%
    >60% 4 $910,000 $227,500 $7,137 2.94%

    Endeavor Capital lent most frequently to those with DTI ratios of 20-30%, with 875 originations. The next most common DTI ratio? 30-36%, with 707 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,260 $665,730,000 $204,212 $3,728 3.03%
    Asian 222 $67,470,000 $303,919 $1,252 2.88%
    Not provided 212 $44,810,000 $211,368 $3,625 2.92%
    Black 211 $42,275,000 $200,355 $4,477 3.15%
    Asian Indian 7 $2,295,000 $327,857 $461 2.63%
    American Indian 4 $880,000 $220,000 $2,659 2.72%

    Approval Rates

    Total approvals of all applications
    98.59%

    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
    53.75%

    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 3,916 $823,460,000 $210,281

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,916 $823,460,000 $210,281

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 83 $12,145,000 $146,325 $2,585 2.57%
    40-60% 451 $86,285,000 $191,319 $2,891 2.76%
    60-80% 1,811 $388,965,000 $214,779 $3,467 3.04%
    80-100% 1,538 $328,670,000 $213,700 $3,995 3.10%
    Over 100% 30 $7,130,000 $237,667 $7,306 2.91%
    Under 20% 3 $265,000 $88,333 $2,606 3.46%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Endeavor Capital, LLC Conventional home mortgage Closing on a mortgage 1 100.0%