Hamilton Home Loans Mortgage Rates, Fees & Info

SUNRISE, FL

LEI: 549300D2MZZVH30ENJ10

Tax ID: 35-2195549

3 stars - out of 5 stars, based on 77 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Hamilton Home Loans is a small mortgage company specializing in loans. Hamilton Home Loans 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: Miami, Cape Coral, Tampa, Jacksonville, and Orlando among others. We have data for 123 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Hamilton Home Loans 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. Hamilton Home Loans 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
    30 Year Conventional Purchase 6.95% 1/29/23
    30 Year Conventional Refi 6.68% 1/29/23
    30 Year Cash-out Refi 6.87% 1/29/23
    30 Year FHA Purchase 7.63% 1/29/23
    30 Year FHA Refi 7.14% 1/29/23
    30 Year VA Purchase 6.54% 1/29/23
    30 Year VA Refi 6.02% 1/29/23
    30 Year USDA Purchase 6.93% 1/29/23
    30 Year USDA Refi 6.49% 1/29/23
    15 Year Conventional Purchase 6.28% 1/29/23
    15 Year Conventional Refi 6.19% 1/29/23
    15 Year Cash-out Refi 6.19% 1/29/23
    15 Year FHA Purchase 7.17% 1/29/23
    15 Year FHA Refi 6.98% 1/29/23
    15 Year VA Refi 6.27% 1/29/23
    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.


    Originations

    5,945

    Origination Dollar Volume (All Markets)

    $1,542,825,000
    Show all (5) awards

    Relative Rate

    Hamilton Home Loans's average 30 year fixed mortgage rate was 3.36%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.21%.

    Relative Fees (Closing Costs)

    Hamilton Home Loans's average total fees/closing costs for a 30 year fixed rate mortgage were $6,130.

    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 $4,750.

    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
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1,705 $507,395,000 $297,592 $6,701 3.33%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 580 $140,440,000 $242,138 $5,416 3.30%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 481 $116,785,000 $242,796 $4,911 3.25%
    JACKSONVILLE, FL (FHA|USDA|VA) 359 $83,895,000 $233,691 $5,754 3.30%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 331 $83,345,000 $251,798 $5,998 3.36%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 300 $82,690,000 $275,633 $5,879 3.32%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 243 $75,145,000 $309,239 $4,259 3.18%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 272 $52,080,000 $191,471 $6,567 3.25%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 147 $39,115,000 $266,088 $7,375 3.36%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 137 $31,495,000 $229,891 $5,348 3.45%
    OCALA, FL (FHA|USDA|VA) 156 $30,570,000 $195,962 $4,891 3.43%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 130 $25,730,000 $197,923 $4,969 3.29%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 86 $18,910,000 $219,884 $6,396 3.43%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 61 $18,835,000 $308,770 $7,860 3.27%
    WINSTON-SALEM, NC (FHA|USDA|VA) 79 $16,095,000 $203,734 $5,939 3.16%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 67 $15,155,000 $226,194 $4,630 3.09%
    RALEIGH-CARY, NC (FHA|USDA|VA) 53 $14,205,000 $268,019 $5,336 3.24%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 46 $13,580,000 $295,217 $6,134 3.24%
    PUNTA GORDA, FL (FHA|USDA|VA) 50 $12,310,000 $246,200 $4,419 3.25%
    GAINESVILLE, FL (FHA|USDA|VA) 52 $11,680,000 $224,615 $6,010 3.44%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 46 $11,620,000 $252,609 $5,620 3.31%
    WACO, TX (FHA|USDA|VA) 44 $10,650,000 $242,045 $6,368 3.48%
    Outside of Metro Areas 47 $9,815,000 $208,830 $5,832 3.49%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 23 $9,255,000 $402,391 $11,559 3.33%
    BURLINGTON, NC (FHA|USDA|VA) 24 $6,330,000 $263,750 $5,820 3.19%
    RICHMOND, VA (FHA|USDA|VA) 23 $5,225,000 $227,174 $4,139 3.44%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $4,205,000 $467,222 $5,660 3.32%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $4,055,000 $579,286 $8,213 3.19%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 16 $3,870,000 $241,875 $6,329 3.37%
    TALLAHASSEE, FL (FHA|USDA|VA) 16 $3,720,000 $232,500 $4,053 3.14%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 17 $3,695,000 $217,353 $6,540 3.45%
    Key West, FL (FHA|USDA|VA) 6 $3,500,000 $583,333 $9,527 3.31%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 14 $3,490,000 $249,286 $4,618 3.37%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 15 $3,225,000 $215,000 $6,613 3.23%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 14 $3,090,000 $220,714 $4,808 3.08%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 18 $3,080,000 $171,111 $5,870 3.37%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 16 $3,000,000 $187,500 $5,178 3.37%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 11 $2,975,000 $270,455 $4,367 3.59%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 10 $2,890,000 $289,000 $5,998 3.33%
    THE VILLAGES, FL (FHA|USDA|VA) 12 $2,480,000 $206,667 $4,365 3.17%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 10 $2,470,000 $247,000 $7,161 3.30%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,460,000 $246,000 $5,537 3.45%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $2,265,000 $323,571 $8,573 3.36%
    ASHEVILLE, NC (FHA|USDA|VA) 7 $2,135,000 $305,000 $7,535 3.45%
    Frankfort, KY (FHA|USDA|VA) 9 $2,115,000 $235,000 $5,253 3.39%
    Clewiston, FL (FHA|USDA|VA) 10 $2,030,000 $203,000 $5,940 3.40%
    Sevierville, TN (FHA|USDA|VA) 3 $1,755,000 $585,000 $3,873 3.50%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 9 $1,715,000 $190,556 $4,969 3.32%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 7 $1,435,000 $205,000 $5,427 3.39%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $1,405,000 $281,000 $4,025 3.30%
    FAYETTEVILLE, NC (FHA|USDA|VA) 9 $1,375,000 $152,778 $4,672 3.49%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $1,355,000 $451,667 $4,612 3.79%
    Pahrump, NV (FHA|USDA|VA) 5 $1,265,000 $253,000 $7,277 3.43%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,250,000 $208,333 $5,772 3.31%
    Richmond-Berea, KY (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,016 3.00%
    Palatka, FL (FHA|USDA|VA) 7 $1,045,000 $149,286 $4,837 3.80%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $920,000 $460,000 $5,250 3.19%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 4 $840,000 $210,000 $8,458 3.34%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $820,000 $410,000 $8,013 3.38%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $805,000 $805,000 $8,387 3.88%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $805,000 $268,333 $7,731 3.75%
    COLUMBUS, OH (FHA|USDA|VA) 4 $780,000 $195,000 $5,787 3.50%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $740,000 $370,000 $3,682 3.56%
    COLUMBIA, SC (FHA|USDA|VA) 2 $730,000 $365,000 $5,705 3.25%
    GREENVILLE, NC (FHA|USDA|VA) 3 $705,000 $235,000 $3,585 3.13%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $680,000 $340,000 $4,883 3.43%
    RENO, NV (FHA|USDA|VA) 2 $670,000 $335,000 $10,445 3.06%
    Danville, KY (FHA|USDA|VA) 5 $615,000 $123,000 $4,488 3.07%
    Okeechobee, FL (FHA|USDA|VA) 3 $605,000 $201,667 $5,912 3.54%
    Albemarle, NC (FHA|USDA|VA) 2 $600,000 $300,000 $10,349 3.13%
    SALT LAKE CITY, UT (FHA|USDA|VA) 2 $600,000 $300,000 $5,952 2.75%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $575,000 $575,000 $7,744 2.88%
    Bardstown, KY (FHA|USDA|VA) 2 $570,000 $285,000 $4,835 3.25%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $545,000 $545,000 $4,399 3.25%
    STOCKTON, CA (FHA|USDA|VA) 1 $495,000 $495,000 $4,334 3.25%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $490,000 $245,000 $4,636 3.25%
    Heber, UT (FHA|USDA|VA) 1 $485,000 $485,000 $6,655 2.25%
    Lake City, FL (FHA|USDA|VA) 3 $475,000 $158,333 $4,693 3.33%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $470,000 $235,000 $8,574 3.25%
    Rio Grande City-Roma, TX (FHA|USDA|VA) 3 $415,000 $138,333 $7,873 2.88%
    Cullowhee, NC (FHA|USDA|VA) 1 $415,000 $415,000 $3,535 2.75%
    CHICO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $4,176 3.38%
    Morehead City, NC (FHA|USDA|VA) 2 $370,000 $185,000 $2,797 2.75%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $365,000 $121,667 $5,337 3.58%
    Jacksonville, TX (FHA|USDA|VA) 1 $365,000 $365,000 $7,015 3.88%
    FRESNO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $2,443 3.88%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $345,000 $345,000 $9,562 3.38%
    London, KY (FHA|USDA|VA) 2 $340,000 $170,000 $4,858 3.19%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $330,000 $165,000 $3,547 3.13%
    Arcadia, FL (FHA|USDA|VA) 2 $330,000 $165,000 $4,682 3.31%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $325,000 $325,000 $4,290 2.38%
    GOLDSBORO, NC (FHA|USDA|VA) 2 $310,000 $155,000 $5,289 3.19%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $300,000 $150,000 $9,819 2.56%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $300,000 $150,000 $6,049 3.12%
    Kingsville, TX (FHA|USDA|VA) 2 $290,000 $145,000 $4,995 3.56%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $285,000 $285,000 $7,784 2.75%
    Wilson, NC (FHA|USDA|VA) 1 $285,000 $285,000 $4,382 3.63%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $275,000 $275,000 $14,137 2.88%
    Somerset, KY (FHA|USDA|VA) 1 $265,000 $265,000 $3,881 3.88%
    Mount Airy, NC (FHA|USDA|VA) 2 $260,000 $130,000 $2,129 2.87%
    Campbellsville, KY (FHA|USDA|VA) 1 $235,000 $235,000 $2,122 2.25%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $235,000 $235,000 $6,616 2.88%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $225,000 $225,000 $3,656 3.88%
    LONGVIEW, TX (FHA|USDA|VA) 1 $215,000 $215,000 $5,121 3.50%
    JACKSON, TN (FHA|USDA|VA) 1 $205,000 $205,000 $8,155 2.50%
    Waycross, GA (FHA|USDA|VA) 1 $205,000 $205,000 $6,129 3.13%
    Shelby, NC (FHA|USDA|VA) 1 $205,000 $205,000 $6,378 3.25%
    WILMINGTON, NC (FHA|USDA|VA) 1 $205,000 $205,000 $4,786 2.75%
    HINESVILLE, GA (FHA|USDA|VA) 1 $195,000 $195,000 $6,922 2.25%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,711 3.50%
    VICTORIA, TX (FHA|USDA|VA) 2 $180,000 $90,000 $3,993 4.44%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $175,000 $175,000 $2,192 3.50%
    Sanford, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,766 3.75%
    Thomaston, GA (FHA|USDA|VA) 1 $165,000 $165,000 $8,434 3.50%
    Cedar City, UT (FHA|USDA|VA) 1 $155,000 $155,000 $3,170 3.38%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $155,000 $155,000 $7,522 3.25%
    NILES, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,622 3.38%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $135,000 $135,000 $4,531 2.88%
    Kinston, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,879 3.63%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $135,000 $135,000 $2,884 3.75%
    AMARILLO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,179 4.50%
    LUBBOCK, TX (FHA|USDA|VA) 1 $105,000 $105,000 $4,432 4.63%
    Danville, VA (FHA|USDA|VA) 1 $85,000 $85,000 $4,817 2.99%
    Hamilton Home Loans's top markets include Miami, Cape Coral, Tampa, Jacksonville, and Orlando among others.

    Their top states include:
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,335 $1,128,845,000 $260,403 $4,897 3.36%
    FHA 1,184 $288,950,000 $244,046 $9,340 3.23%
    VA 376 $115,680,000 $307,660 $7,169 3.03%
    USDA 49 $8,915,000 $181,939 $5,676 3.04%
    HELOC 1 $435,000 $435,000 n/a 2.03%

    For 2021, Hamilton Home Loans's most frequently originated type of loan was Conventional, with 4,335 originations. Their 2nd most popular type was FHA, with 1,184 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,013 $1,059,025,000 $263,899 $6,567 3.36%
    Refi 987 $237,225,000 $240,350 $4,133 3.09%
    Cash Out Refi 850 $226,900,000 $266,941 $5,220 3.34%
    Other 93 $19,055,000 $204,892 $4,588 3.49%
    Home Improvement 2 $620,000 $310,000 $5,448 3.25%

    For 2021, Hamilton Home Loans's most frequently cited loan purpose was Home Purchase, with 4,013 originations. The 2nd most popular reason was Refi, with 987 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,404 $1,421,420,000 $263,031 $6,130 3.36%
    15 Year 376 $81,960,000 $217,979 $3,906 2.76%
    20 Year 111 $26,605,000 $239,685 $4,175 3.13%
    Other 30 $8,320,000 $277,333 $5,196 3.15%
    10 Year 24 $4,520,000 $188,333 $3,830 2.55%

    For 2021, Hamilton Home Loans's most frequently cited loan duration was 30 Year, with 5,404 originations. The 2nd most popular length was 15 Year, with 376 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,163 $539,195,000 $249,281
    $<1k 1,660 $427,660,000 $257,627
    $2k-3k 899 $221,745,000 $246,657
    $3k-4k 541 $135,295,000 $250,083
    $5k+ 366 $129,990,000 $355,164
    $4k-5k 285 $80,295,000 $281,737

    Hamilton Home Loans's average total fees were $6,130, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,163 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 3,918 $1,022,580,000 $260,995
    2.5-3% 1,508 $392,710,000 $260,418
    4-5% 282 $65,770,000 $233,227
    <2.5% 236 $61,560,000 $260,847
    5-6% 1 $205,000 $205,000

    During 2021, Hamilton Home Loans's average interest rate for loans was 3.36%, while their most frequently originated rate bucket for loans was 3-4%, with 3,918 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,103 $871,445,000 $280,840 $6,492 3.31%
    $100k-200k 1,836 $285,590,000 $155,550 $4,740 3.33%
    $400k-600k 638 $301,160,000 $472,038 $7,365 3.27%
    $100,000 or less 297 $23,575,000 $79,377 $3,488 3.36%
    $600k-1MM 56 $39,550,000 $706,250 $9,251 3.41%
    $1MM+ 15 $21,505,000 $1,433,667 $14,487 3.33%

    2021 saw Hamilton Home Loans place emphasis on $200k-400k loans with 3,103 originations, totaling $871,445,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,736 $391,640,000 $225,599 $6,275 3.31%
    $100k-150k 1,147 $340,455,000 $296,822 $5,638 3.32%
    $75k-100k 1,122 $305,170,000 $271,988 $6,183 3.33%
    $50k or less 1,097 $183,285,000 $167,078 $5,446 3.28%
    $150k-250k 621 $217,585,000 $350,378 $5,683 3.31%
    $250k+ 222 $104,690,000 $471,577 $6,773 3.34%

    Hamilton Home Loans lent most frequently to those with incomes in the $50k-75k range, with 1,736 originations. The second most popular income band? $100k-150k, with 1,147 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 930 $234,950,000 $252,634 $5,329 3.31%
    20-30% 838 $214,210,000 $255,621 $4,919 3.25%
    50-60% 548 $148,190,000 $270,420 $9,499 3.23%
    44% 312 $83,210,000 $266,699 $5,963 3.36%
    49% 310 $80,990,000 $261,258 $6,260 3.37%
    43% 292 $74,750,000 $255,993 $5,854 3.38%
    41% 262 $70,910,000 $270,649 $5,530 3.39%
    42% 254 $67,250,000 $264,764 $5,728 3.39%
    48% 243 $62,535,000 $257,346 $6,409 3.33%
    <20% 234 $55,490,000 $237,137 $4,439 3.21%
    40% 230 $63,840,000 $277,565 $5,637 3.37%
    45% 228 $59,420,000 $260,614 $6,003 3.37%
    38% 209 $56,305,000 $269,402 $5,556 3.33%
    39% 209 $53,715,000 $257,010 $5,677 3.36%
    47% 206 $51,130,000 $248,204 $6,354 3.38%
    46% 206 $51,260,000 $248,835 $6,186 3.35%
    37% 193 $50,765,000 $263,031 $5,615 3.34%
    36% 166 $44,030,000 $265,241 $5,714 3.30%
    >60% 69 $18,165,000 $263,261 $5,018 2.87%

    Hamilton Home Loans lent most frequently to those with DTI ratios of 30-36%, with 930 originations. The next most common DTI ratio? 20-30%, with 838 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,574 $1,185,550,000 $259,193 $5,870 3.31%
    Not provided 679 $180,155,000 $265,324 $5,821 3.31%
    Black 534 $136,290,000 $255,225 $6,920 3.31%
    Asian 141 $35,575,000 $252,305 $4,923 3.31%
    American Indian 8 $1,820,000 $227,500 $3,894 3.56%
    Native Hawaiian or Islander 4 $1,490,000 $372,500 $9,006 3.66%
    Other Asian 2 $800,000 $400,000 $7,664 3.50%
    Filipino 2 $790,000 $395,000 $6,499 3.93%
    Japanese 1 $355,000 $355,000 $15,671 2.99%

    Approval Rates

    Total approvals of all applications
    95.48%

    Hamilton Home Loans 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
    77.85%

    Hamilton Home Loans has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,945 $1,542,825,000 $259,516

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,945 $1,542,825,000 $259,516

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 162 $28,770,000 $177,593 $4,270 3.05%
    40-60% 545 $120,055,000 $220,284 $4,038 3.12%
    60-80% 2,029 $519,505,000 $256,040 $4,908 3.38%
    80-100% 3,126 $849,630,000 $271,795 $6,858 3.32%
    Over 100% 76 $23,380,000 $307,632 $12,669 3.12%
    Under 20% 7 $1,485,000 $212,143 $3,261 2.98%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    HAMILTON GROUP FUNDING, INC. Conventional home mortgage Trouble during payment process 2 100.0%