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 Home Purchase and Refi 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, Dallas, Indianapolis, and St. Joseph among others. We have data for 156 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 an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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

1,866

Origination Dollar Volume (All Markets)

$407,790,000

Awards

ENDEAVOR CAPITAL VA Loans gold ENDEAVOR CAPITAL VA Loans silver ENDEAVOR CAPITAL 30 Year Conventional Loans bronze
Show all (3) 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) 784 $167,750,000 $213,967 $4,865 5.02%
KANSAS CITY, MO-KS (FHA|USDA|VA) 300 $71,620,000 $238,733 $5,386 5.01%
Outside of Metro Areas 90 $16,800,000 $186,667 $5,539 5.03%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 34 $12,280,000 $361,176 $8,167 4.86%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 47 $10,345,000 $220,106 $6,701 4.88%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 32 $6,790,000 $212,188 $4,561 5.32%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 30 $6,740,000 $224,667 $5,922 5.27%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 14 $5,480,000 $391,429 $7,617 5.19%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 20 $5,170,000 $258,500 $5,795 5.32%
LOUISVILLE, KY (FHA|USDA|VA) 23 $5,125,000 $222,826 $6,457 5.44%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 23 $5,075,000 $220,652 $6,187 4.41%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 22 $4,520,000 $205,455 $5,773 5.19%
COLUMBUS, OH (FHA|USDA|VA) 18 $3,900,000 $216,667 $6,569 4.64%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 17 $3,885,000 $228,529 $7,002 5.17%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 12 $2,820,000 $235,000 $5,383 4.61%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 10 $2,560,000 $256,000 $6,290 4.71%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 12 $2,200,000 $183,333 $5,203 5.11%
Centralia, IL (FHA|USDA|VA) 15 $2,095,000 $139,667 $4,423 5.37%
TOPEKA, KS (FHA|USDA|VA) 12 $1,960,000 $163,333 $5,636 5.76%
JACKSONVILLE, FL (FHA|USDA|VA) 7 $1,935,000 $276,429 $6,481 4.41%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 8 $1,800,000 $225,000 $7,874 5.81%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,750,000 $437,500 $7,059 5.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 7 $1,715,000 $245,000 $6,298 5.07%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 8 $1,680,000 $210,000 $6,792 5.42%
DAYTON-KETTERING, OH (FHA|USDA|VA) 10 $1,580,000 $158,000 $6,170 5.21%
SPRINGFIELD, MO (FHA|USDA|VA) 8 $1,440,000 $180,000 $6,628 5.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 6 $1,430,000 $238,333 $7,344 5.54%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,390,000 $231,667 $5,317 4.21%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,365,000 $273,000 $6,524 5.77%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $1,365,000 $273,000 $8,580 4.88%
KNOXVILLE, TN (FHA|USDA|VA) 5 $1,345,000 $269,000 $9,345 5.03%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $1,315,000 $263,000 $4,538 5.17%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,255,000 $251,000 $6,176 5.20%
Fort Leonard Wood, MO (FHA|USDA|VA) 5 $1,165,000 $233,000 $9,894 6.42%
MADISON, WI (FHA|USDA|VA) 3 $1,155,000 $385,000 $4,917 4.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $1,050,000 $262,500 $8,607 4.44%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $975,000 $325,000 $5,032 3.91%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $895,000 $298,333 $6,981 5.66%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $880,000 $146,667 $3,549 4.42%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $835,000 $167,000 $5,193 4.78%
WAUSAU-WESTON, WI (FHA|USDA|VA) 4 $830,000 $207,500 $8,277 5.03%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $825,000 $165,000 $3,801 3.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $825,000 $165,000 $4,876 3.53%
Warrensburg, MO (FHA|USDA|VA) 5 $795,000 $159,000 $3,705 4.90%
Branson, MO (FHA|USDA|VA) 3 $745,000 $248,333 $6,215 6.75%
Sevierville, TN (FHA|USDA|VA) 4 $730,000 $182,500 $3,298 4.53%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 4 $720,000 $180,000 $4,890 3.94%
Farmington, MO (FHA|USDA|VA) 4 $710,000 $177,500 $4,998 4.41%
Warsaw, IN (FHA|USDA|VA) 2 $710,000 $355,000 $8,134 4.31%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $695,000 $231,667 $7,790 5.42%
LAWRENCE, KS (FHA|USDA|VA) 4 $690,000 $172,500 $4,515 4.31%
Ottawa, KS (FHA|USDA|VA) 4 $680,000 $170,000 $4,372 5.00%
JOPLIN, MO (FHA|USDA|VA) 4 $670,000 $167,500 $6,855 5.44%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $665,000 $221,667 $6,798 4.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $665,000 $221,667 $7,005 3.79%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $660,000 $165,000 $4,729 3.38%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $655,000 $218,333 $8,245 6.37%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 3 $655,000 $218,333 $5,274 5.92%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $650,000 $162,500 $5,638 4.87%
DECATUR, IL (FHA|USDA|VA) 3 $645,000 $215,000 $5,655 6.63%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $635,000 $211,667 $6,150 4.79%
PANAMA CITY, FL (FHA|USDA|VA) 5 $605,000 $121,000 $4,902 4.08%
Mount Vernon, IL (FHA|USDA|VA) 3 $575,000 $191,667 $3,872 4.33%
Salem, OH (FHA|USDA|VA) 3 $525,000 $175,000 $7,102 6.54%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $525,000 $175,000 $5,478 4.88%
COLUMBIA, MO (FHA|USDA|VA) 3 $515,000 $171,667 $4,950 4.83%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $515,000 $171,667 $5,718 4.24%
PEORIA, IL (FHA|USDA|VA) 3 $505,000 $168,333 $5,276 5.75%
Bluffton, IN (FHA|USDA|VA) 2 $500,000 $250,000 $4,436 3.50%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $490,000 $245,000 $3,175 3.56%
PUEBLO, CO (FHA|USDA|VA) 2 $480,000 $240,000 $8,120 5.56%
OCALA, FL (FHA|USDA|VA) 3 $475,000 $158,333 $6,328 4.83%
Atchison, KS (FHA|USDA|VA) 3 $475,000 $158,333 $3,681 5.54%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $470,000 $235,000 $6,153 4.75%
Lebanon, MO (FHA|USDA|VA) 3 $455,000 $151,667 $6,430 6.13%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $435,000 $145,000 $4,470 3.87%
Urbana, OH (FHA|USDA|VA) 2 $430,000 $215,000 $6,191 6.69%
Hannibal, MO (FHA|USDA|VA) 2 $430,000 $215,000 $7,552 6.31%
FORT COLLINS, CO (FHA|USDA|VA) 1 $425,000 $425,000 $8,665 5.99%
FORT SMITH, AR-OK (FHA|USDA|VA) 3 $415,000 $138,333 $3,898 5.00%
Parsons, KS (FHA|USDA|VA) 3 $415,000 $138,333 $4,682 4.17%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $410,000 $205,000 $5,582 3.75%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $410,000 $205,000 $8,742 6.13%
Key West, FL (FHA|USDA|VA) 1 $395,000 $395,000 $11,444 5.63%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $395,000 $131,667 $4,786 5.50%
Wapakoneta, OH (FHA|USDA|VA) 2 $390,000 $195,000 $6,725 4.38%
Chillicothe, OH (FHA|USDA|VA) 1 $385,000 $385,000 $8,648 6.50%
CLEVELAND, TN (FHA|USDA|VA) 3 $385,000 $128,333 $6,288 4.83%
KANKAKEE, IL (FHA|USDA|VA) 2 $380,000 $190,000 $5,152 4.25%
AKRON, OH (FHA|USDA|VA) 3 $365,000 $121,667 $4,489 5.42%
MIDLAND, TX (FHA|USDA|VA) 1 $355,000 $355,000 $5,226 5.63%
Cookeville, TN (FHA|USDA|VA) 2 $350,000 $175,000 $4,112 4.63%
Fremont, OH (FHA|USDA|VA) 2 $350,000 $175,000 $6,671 5.87%
Paducah, KY-IL (FHA|USDA|VA) 2 $350,000 $175,000 $6,905 5.50%
Auburn, IN (FHA|USDA|VA) 2 $340,000 $170,000 $4,712 5.31%
BLOOMINGTON, IL (FHA|USDA|VA) 3 $335,000 $111,667 $4,530 3.29%
APPLETON, WI (FHA|USDA|VA) 2 $330,000 $165,000 $5,894 4.38%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $325,000 $325,000 $11,615 6.50%
GREEN BAY, WI (FHA|USDA|VA) 2 $320,000 $160,000 $7,512 5.88%
Lawrenceburg, TN (FHA|USDA|VA) 1 $315,000 $315,000 $6,598 5.99%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $310,000 $155,000 $4,606 4.88%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $295,000 $295,000 $12,177 4.50%
Zanesville, OH (FHA|USDA|VA) 1 $295,000 $295,000 $10,270 4.99%
Menomonie, WI (FHA|USDA|VA) 1 $295,000 $295,000 $6,715 3.88%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $290,000 $145,000 $5,896 6.44%
Russellville, AR (FHA|USDA|VA) 2 $280,000 $140,000 $4,006 4.69%
Sikeston, MO (FHA|USDA|VA) 1 $275,000 $275,000 $6,725 5.25%
ROCKFORD, IL (FHA|USDA|VA) 1 $275,000 $275,000 $9,200 5.13%
MUNCIE, IN (FHA|USDA|VA) 3 $275,000 $91,667 $2,111 5.21%
WICHITA, KS (FHA|USDA|VA) 2 $270,000 $135,000 $3,142 4.12%
Maryville, MO (FHA|USDA|VA) 1 $265,000 $265,000 $3,960 7.63%
Bardstown, KY (FHA|USDA|VA) 1 $255,000 $255,000 $7,268 5.88%
Baraboo, WI (FHA|USDA|VA) 1 $255,000 $255,000 $9,263 5.63%
Angola, IN (FHA|USDA|VA) 1 $235,000 $235,000 $8,299 4.75%
Frankfort, KY (FHA|USDA|VA) 1 $235,000 $235,000 $6,152 5.88%
Mountain Home, AR (FHA|USDA|VA) 1 $235,000 $235,000 $8,739 3.88%
ODESSA, TX (FHA|USDA|VA) 1 $235,000 $235,000 $5,682 5.25%
WACO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $9,297 4.88%
Shelbyville, TN (FHA|USDA|VA) 2 $230,000 $115,000 $2,018 4.19%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $230,000 $115,000 $5,789 4.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $225,000 $225,000 $2,872 3.99%
Montrose, CO (FHA|USDA|VA) 1 $225,000 $225,000 $11,991 5.75%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $215,000 $215,000 $7,601 4.13%
Whitewater, WI (FHA|USDA|VA) 1 $215,000 $215,000 $11,187 5.13%
JACKSON, TN (FHA|USDA|VA) 1 $215,000 $215,000 $5,229 6.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $195,000 $195,000 $5,753 4.25%
FORT WAYNE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $7,986 6.25%
Rochelle, IL (FHA|USDA|VA) 1 $185,000 $185,000 $7,089 4.75%
KOKOMO, IN (FHA|USDA|VA) 1 $185,000 $185,000 $6,575 7.13%
Central City, KY (FHA|USDA|VA) 1 $175,000 $175,000 $6,786 5.99%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $175,000 $175,000 $5,702 6.63%
Okeechobee, FL (FHA|USDA|VA) 1 $175,000 $175,000 $6,585 3.38%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $165,000 $165,000 $5,950 5.38%
Sidney, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,598 3.38%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $165,000 $165,000 $1,407 4.50%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $6,266 7.13%
Malvern, AR (FHA|USDA|VA) 1 $165,000 $165,000 $8,349 6.13%
Athens, OH (FHA|USDA|VA) 2 $160,000 $80,000 $2,563 5.63%
DANVILLE, IL (FHA|USDA|VA) 1 $155,000 $155,000 $6,001 3.25%
Moberly, MO (FHA|USDA|VA) 1 $155,000 $155,000 $3,438 4.63%
Manitowoc, WI (FHA|USDA|VA) 1 $155,000 $155,000 $5,574 5.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,460 3.50%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $145,000 $145,000 $4,871 4.38%
MANSFIELD, OH (FHA|USDA|VA) 1 $145,000 $145,000 $8,241 6.38%
Lincoln, IL (FHA|USDA|VA) 1 $145,000 $145,000 $3,856 3.63%
Pittsburg, KS (FHA|USDA|VA) 1 $135,000 $135,000 $6,659 5.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $135,000 $135,000 $7,309 3.25%
Danville, KY (FHA|USDA|VA) 1 $135,000 $135,000 $4,189 5.88%
Stevens Point, WI (FHA|USDA|VA) 1 $125,000 $125,000 $4,415 3.75%
Harrison, AR (FHA|USDA|VA) 1 $125,000 $125,000 $4,184 3.99%
Quincy, IL-MO (FHA|USDA|VA) 1 $115,000 $115,000 $4,319 5.63%
RACINE, WI (FHA|USDA|VA) 1 $105,000 $105,000 $4,233 6.50%
Sedalia, MO (FHA|USDA|VA) 1 $105,000 $105,000 $4,548 7.13%
Sterling, IL (FHA|USDA|VA) 1 $105,000 $105,000 $4,532 5.49%
Mount Vernon, OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,839 4.00%
Kirksville, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.25%
Endeavor Capital's top markets include St. Louis, Kansas City, Dallas, Indianapolis, and St. Joseph among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,365 $304,365,000 $222,978 $4,668 4.94%
    FHA 364 $68,590,000 $188,434 $7,843 5.30%
    VA 114 $31,450,000 $275,877 $6,776 5.07%
    USDA 23 $3,385,000 $147,174 $5,308 5.08%

    For 2022, Endeavor Capital's most frequently originated type of loan was Conventional, with 1,365 originations. Their 2nd most popular type was FHA, with 364 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 986 $225,970,000 $229,178 $5,302 5.30%
    Refi 610 $123,820,000 $202,984 $5,555 4.67%
    Cash Out Refi 266 $57,380,000 $215,714 $5,674 4.77%
    Home Improvement 2 $490,000 $245,000 $6,721 4.69%
    Other 2 $130,000 $65,000 $591 5.38%

    For 2022, Endeavor Capital's most frequently cited loan purpose was Home Purchase, with 986 originations. The 2nd most popular reason was Refi, with 610 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,683 $370,165,000 $219,944 $5,571 5.15%
    15 Year 114 $23,510,000 $206,228 $3,959 3.62%
    20 Year 39 $8,095,000 $207,564 $4,410 4.22%
    Other 23 $5,315,000 $231,087 $5,474 4.33%
    10 Year 7 $705,000 $100,714 $2,557 3.11%

    For 2022, Endeavor Capital's most frequently cited loan duration was 30 Year, with 1,683 originations. The 2nd most popular length was 15 Year, with 114 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 605 $121,835,000 $201,380
    $2k-3k 435 $80,175,000 $184,310
    $3k-4k 272 $55,160,000 $202,794
    $5k+ 206 $63,900,000 $310,194
    $<1k 184 $46,350,000 $251,902
    $4k-5k 164 $40,370,000 $246,159

    Endeavor Capital's average total fees were $5,571, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 605 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 642 $142,000,000 $221,184
    3-4% 427 $92,505,000 $216,639
    4-5% 379 $82,615,000 $217,982
    6-7% 252 $53,780,000 $213,413
    7-8% 89 $20,455,000 $229,831
    2.5-3% 68 $14,600,000 $214,706
    <2.5% 6 $1,310,000 $218,333
    Over 8% 3 $525,000 $175,000

    During 2022, Endeavor Capital's average interest rate for loans was 5.15%, while their most frequently originated rate bucket for loans was 5-6%, with 642 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 789 $119,475,000 $151,426 $4,778 4.86%
    $200k-400k 754 $206,970,000 $274,496 $6,390 5.18%
    $100,000 or less 185 $14,205,000 $76,784 $3,584 5.11%
    $400k-600k 123 $56,985,000 $463,293 $6,362 5.02%
    $600k-1MM 14 $8,940,000 $638,571 $6,069 4.04%
    $1MM+ 1 $1,215,000 $1,215,000 $4,122 3.63%

    2022 saw Endeavor Capital place emphasis on $100k-200k loans with 789 originations, totaling $119,475,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 494 $87,900,000 $177,935 $5,397 5.02%
    $100k-150k 427 $110,345,000 $258,419 $5,564 5.09%
    $75k-100k 340 $75,630,000 $222,441 $5,854 5.15%
    $50k or less 321 $42,435,000 $132,196 $4,517 4.66%
    $150k-250k 228 $71,150,000 $312,061 $5,882 5.17%
    $250k+ 55 $20,055,000 $364,636 $5,718 5.08%

    Endeavor Capital lent most frequently to those with incomes in the $50k-75k range, with 494 originations. The second most popular income band? $100k-150k, with 427 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 342 $77,100,000 $225,439 $4,981 4.91%
    20-30% 330 $71,340,000 $216,182 $4,762 4.84%
    50-60% 118 $25,010,000 $211,949 $7,249 5.21%
    44% 98 $20,820,000 $212,449 $5,616 5.14%
    42% 93 $20,085,000 $215,968 $5,087 4.94%
    <20% 92 $17,410,000 $189,239 $4,207 4.65%
    41% 92 $19,120,000 $207,826 $5,284 4.90%
    43% 84 $18,460,000 $219,762 $5,928 5.07%
    40% 80 $17,650,000 $220,625 $5,444 5.25%
    39% 70 $16,380,000 $234,000 $5,655 5.02%
    38% 67 $14,195,000 $211,866 $5,921 5.06%
    49% 66 $16,040,000 $243,030 $6,461 5.14%
    45% 65 $14,145,000 $217,615 $5,967 5.03%
    36% 64 $11,810,000 $184,531 $5,502 5.24%
    37% 63 $13,985,000 $221,984 $5,380 5.36%
    48% 53 $13,235,000 $249,717 $6,487 5.00%
    46% 43 $9,965,000 $231,744 $6,432 5.52%
    47% 42 $9,660,000 $230,000 $5,816 5.53%
    >60% 4 $1,380,000 $345,000 $3,654 5.56%

    Endeavor Capital lent most frequently to those with DTI ratios of 30-36%, with 342 originations. The next most common DTI ratio? 20-30%, with 330 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,570 $333,880,000 $212,662 $5,466 5.06%
    Asian 104 $33,610,000 $323,173 $3,596 4.56%
    Black 95 $19,655,000 $206,895 $6,116 4.97%
    Not provided 89 $19,095,000 $214,551 $6,292 4.85%
    American Indian 6 $1,310,000 $218,333 $4,465 4.92%
    Native Hawaiian or Islander 2 $240,000 $120,000 $5,468 5.56%

    Approval Rates

    Total approvals of all applications
    97.13%

    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
    17.52%

    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 1,866 $407,790,000 $218,537

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,866 $407,790,000 $218,537

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 46 $5,510,000 $119,783 $3,339 4.32%
    40-60% 245 $48,155,000 $196,551 $4,580 4.59%
    60-80% 693 $152,975,000 $220,743 $5,501 4.96%
    80-100% 855 $195,335,000 $228,462 $5,625 5.23%
    Over 100% 18 $5,450,000 $302,778 $13,024 4.99%
    Under 20% 9 $365,000 $40,556 $953 4.99%