Hamilton Home Loans Mortgage Rates, Fees & Info

SUNRISE, FL

LEI: 549300D2MZZVH30ENJ10

Tax ID: 35-2195549

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

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    • Mortgage Data

  • Originations
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  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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

    Hamilton Home Loans is a small mortgage company specializing in Home Purchase and Refi 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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Miami, Austin, Cape Coral, Tampa, and Jacksonville among others. We have data for 128 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 7.15% 12/16/24
    30 Year Conventional Refi 6.79% 12/16/24
    30 Year Cash-out Refi 7.07% 12/16/24
    30 Year FHA Purchase 7.67% 12/16/24
    30 Year FHA Refi 7.67% 12/16/24
    30 Year VA Purchase 6.55% 12/16/24
    30 Year USDA Purchase 7.16% 12/16/24
    15 Year Conventional Purchase 6.44% 12/16/24
    15 Year Conventional Refi 6.32% 12/16/24
    15 Year Cash-out Refi 6.32% 12/16/24
    15 Year VA Refi 5.68% 12/16/24
    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.

    Hamilton Home Loans Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Hamilton Home Loans. 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

    8,068

    Origination Dollar Volume (All Markets)

    $1,977,000,000
    Show all (15) 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
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1,985 $557,715,000 $280,965 $6,185 3.25%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 697 $209,695,000 $300,854 $4,709 3.13%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 701 $154,085,000 $219,807 $4,812 3.27%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 587 $137,875,000 $234,881 $4,509 3.26%
    JACKSONVILLE, FL (FHA|USDA|VA) 566 $130,690,000 $230,901 $5,370 3.25%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 397 $98,985,000 $249,332 $5,738 3.23%
    OCALA, FL (FHA|USDA|VA) 423 $77,325,000 $182,801 $5,037 3.33%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 284 $76,600,000 $269,718 $3,731 2.98%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 253 $63,345,000 $250,375 $5,408 3.20%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 299 $52,315,000 $174,967 $6,438 3.33%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 158 $33,350,000 $211,076 $5,214 3.35%
    WINSTON-SALEM, NC (FHA|USDA|VA) 136 $27,510,000 $202,279 $4,954 3.11%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 115 $25,365,000 $220,565 $5,036 3.07%
    WACO, TX (FHA|USDA|VA) 112 $24,220,000 $216,250 $5,993 3.32%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 122 $22,800,000 $186,885 $4,506 3.22%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 77 $22,165,000 $287,857 $8,108 3.12%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 85 $19,895,000 $234,059 $6,038 3.31%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 70 $19,040,000 $272,000 $5,427 3.11%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 99 $19,025,000 $192,172 $5,706 3.36%
    PUNTA GORDA, FL (FHA|USDA|VA) 70 $16,850,000 $240,714 $4,696 3.22%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 66 $15,880,000 $240,606 $5,501 3.21%
    GAINESVILLE, FL (FHA|USDA|VA) 63 $12,645,000 $200,714 $5,781 3.43%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 41 $11,505,000 $280,610 $5,719 3.27%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 44 $11,130,000 $252,955 $5,127 3.10%
    RALEIGH-CARY, NC (FHA|USDA|VA) 39 $10,275,000 $263,462 $5,414 3.31%
    Outside of Metro Areas 59 $10,255,000 $173,814 $4,640 3.19%
    RICHMOND, VA (FHA|USDA|VA) 43 $9,385,000 $218,256 $3,179 3.28%
    BURLINGTON, NC (FHA|USDA|VA) 32 $7,450,000 $232,813 $4,613 3.10%
    Key West, FL (FHA|USDA|VA) 17 $6,445,000 $379,118 $6,374 3.20%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 21 $5,775,000 $275,000 $5,933 3.47%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 19 $5,175,000 $272,368 $6,601 2.99%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 22 $4,990,000 $226,818 $3,914 3.26%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 28 $4,820,000 $172,143 $3,621 3.24%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 26 $4,490,000 $172,692 $5,363 3.40%
    TALLAHASSEE, FL (FHA|USDA|VA) 18 $4,270,000 $237,222 $4,614 3.25%
    THE VILLAGES, FL (FHA|USDA|VA) 17 $3,785,000 $222,647 $4,222 3.39%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 16 $3,720,000 $232,500 $5,596 3.00%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 17 $3,405,000 $200,294 $6,485 3.24%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 18 $3,270,000 $181,667 $6,347 3.53%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 15 $3,145,000 $209,667 $5,162 3.13%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 11 $2,895,000 $263,182 $5,423 3.15%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,230,000 $223,000 $4,432 3.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 10 $2,080,000 $208,000 $5,448 3.24%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 9 $1,925,000 $213,889 $4,993 3.24%
    ASHEVILLE, NC (FHA|USDA|VA) 8 $1,840,000 $230,000 $4,666 3.39%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $1,515,000 $505,000 $7,303 2.63%
    RENO, NV (FHA|USDA|VA) 4 $1,280,000 $320,000 $3,094 2.41%
    Clewiston, FL (FHA|USDA|VA) 5 $1,225,000 $245,000 $15,956 3.15%
    Palatka, FL (FHA|USDA|VA) 9 $1,225,000 $136,111 $5,171 3.12%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,210,000 $605,000 $4,391 2.63%
    Lake City, FL (FHA|USDA|VA) 7 $1,195,000 $170,714 $5,870 3.45%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,150,000 $287,500 $4,154 2.94%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $1,090,000 $181,667 $6,971 3.38%
    SALT LAKE CITY, UT (FHA|USDA|VA) 3 $1,055,000 $351,667 $4,345 2.79%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 6 $950,000 $158,333 $3,831 3.39%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $945,000 $315,000 $2,934 2.87%
    MONTGOMERY, AL (FHA|USDA|VA) 4 $800,000 $200,000 $4,247 3.41%
    Pahrump, NV (FHA|USDA|VA) 3 $775,000 $258,333 $4,845 3.12%
    EL PASO, TX (FHA|USDA|VA) 3 $755,000 $251,667 $4,640 3.46%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $720,000 $360,000 $2,808 2.25%
    PANAMA CITY, FL (FHA|USDA|VA) 4 $710,000 $177,500 $6,804 3.59%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $670,000 $335,000 $8,426 3.06%
    WILMINGTON, NC (FHA|USDA|VA) 3 $645,000 $215,000 $2,500 2.79%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $630,000 $315,000 $10,508 3.19%
    ST. GEORGE, UT (FHA|USDA|VA) 2 $590,000 $295,000 $2,090 2.56%
    Rio Grande City-Roma, TX (FHA|USDA|VA) 4 $580,000 $145,000 $6,727 3.56%
    COLUMBIA, SC (FHA|USDA|VA) 2 $530,000 $265,000 $4,507 2.75%
    Granbury, TX (FHA|USDA|VA) 1 $515,000 $515,000 $4,665 2.63%
    TUSCALOOSA, AL (FHA|USDA|VA) 2 $510,000 $255,000 $2,222 3.56%
    BOULDER, CO (FHA|USDA|VA) 1 $495,000 $495,000 $4,327 3.38%
    Wauchula, FL (FHA|USDA|VA) 3 $485,000 $161,667 $8,024 3.41%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $485,000 $485,000 $5,494 2.63%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $470,000 $235,000 $1,554 3.25%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $445,000 $445,000 $4,436 3.75%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $425,000 $425,000 $6,904 3.88%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $415,000 $415,000 $628 2.88%
    Sanford, NC (FHA|USDA|VA) 2 $380,000 $190,000 $3,501 3.44%
    Albemarle, NC (FHA|USDA|VA) 2 $370,000 $185,000 $6,662 3.69%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $365,000 $121,667 $3,745 2.96%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $355,000 $355,000 $2,576 2.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $350,000 $175,000 $2,963 3.38%
    Mount Airy, NC (FHA|USDA|VA) 2 $340,000 $170,000 $3,740 3.43%
    VICTORIA, TX (FHA|USDA|VA) 2 $330,000 $165,000 $4,133 3.56%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $320,000 $160,000 $4,683 2.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $315,000 $315,000 $9,837 3.13%
    Henderson, NC (FHA|USDA|VA) 2 $310,000 $155,000 $5,875 3.25%
    Waycross, GA (FHA|USDA|VA) 2 $310,000 $155,000 $3,880 2.68%
    Elko, NV (FHA|USDA|VA) 1 $295,000 $295,000 $8,506 3.00%
    JOHNSON CITY, TN (FHA|USDA|VA) 2 $290,000 $145,000 $2,604 2.88%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $280,000 $140,000 $2,283 2.69%
    MODESTO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $1,311 2.99%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $265,000 $265,000 $4,827 2.88%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $260,000 $130,000 $2,536 3.50%
    Shelbyville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $9,392 2.75%
    Boone, NC (FHA|USDA|VA) 2 $250,000 $125,000 $3,484 3.00%
    Dublin, GA (FHA|USDA|VA) 1 $235,000 $235,000 $5,720 3.13%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $3,715 3.38%
    HARRISONBURG, VA (FHA|USDA|VA) 1 $225,000 $225,000 $3,870 3.50%
    LAREDO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,978 3.38%
    TYLER, TX (FHA|USDA|VA) 1 $215,000 $215,000 $9,218 2.88%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $200,000 $100,000 $2,942 3.06%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $195,000 $195,000 $3,308 3.50%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $185,000 $185,000 $2,164 3.63%
    Jacksonville, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,132 4.25%
    Gaffney, SC (FHA|USDA|VA) 1 $175,000 $175,000 $2,554 3.13%
    LONGVIEW, TX (FHA|USDA|VA) 1 $175,000 $175,000 $5,573 3.75%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $165,000 $165,000 $5,421 2.63%
    Fernley, NV (FHA|USDA|VA) 1 $165,000 $165,000 $4,220 2.88%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $7,005 3.99%
    Fallon, NV (FHA|USDA|VA) 1 $165,000 $165,000 $3,749 3.50%
    Morehead City, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,870 2.75%
    St. Marys, GA (FHA|USDA|VA) 1 $155,000 $155,000 $5,183 2.75%
    GREENVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $5,821 2.75%
    LUBBOCK, TX (FHA|USDA|VA) 1 $145,000 $145,000 $1,318 2.50%
    Stephenville, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,898 3.63%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $135,000 $135,000 $3,113 2.75%
    Okeechobee, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,915 3.00%
    Cedar City, UT (FHA|USDA|VA) 1 $125,000 $125,000 $2,086 3.25%
    Laurinburg, NC (FHA|USDA|VA) 1 $115,000 $115,000 $3,892 3.00%
    JACKSON, TN (FHA|USDA|VA) 1 $115,000 $115,000 $935 3.63%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $115,000 $115,000 $6,645 3.50%
    GADSDEN, AL (FHA|USDA|VA) 1 $105,000 $105,000 $1,456 3.00%
    Moultrie, GA (FHA|USDA|VA) 1 $105,000 $105,000 $5,556 3.25%
    Thomaston, GA (FHA|USDA|VA) 1 $95,000 $95,000 $2,006 2.75%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $85,000 $85,000 $4,513 2.75%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $75,000 $75,000 $2,944 3.25%
    Arcadia, FL (FHA|USDA|VA) 1 $65,000 $65,000 $901 3.00%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $55,000 $55,000 $4,422 3.25%
    Hamilton Home Loans's top markets include Miami, Austin, Cape Coral, Tampa, and Jacksonville among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against HAMILTON HOME LOANS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    American National Bank & Trust
    Similarity Rank: 132
    Tyndall Federal Credit Union
    Similarity Rank: 216
    METROPLEX MORTGAGE SERVICES, INC.
    Similarity Rank: 372
    AAXY L.L.C.
    Similarity Rank: 387
    Envision Credit Union
    Similarity Rank: 437
    TROPICAL FINANCIAL CREDIT UNION
    Similarity Rank: 575
    Extraco Banks
    Similarity Rank: 800
    SmartBank
    Similarity Rank: 800
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 856
    Piedmont Federal Savings Bank
    Similarity Rank: 860

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,930 $1,466,140,000 $247,241 $4,333 3.26%
    FHA 1,445 $326,895,000 $226,225 $9,242 3.24%
    VA 556 $159,470,000 $286,817 $6,147 2.96%
    USDA 133 $24,015,000 $180,564 $6,418 3.15%
    FHA 4 $480,000 $120,000 $0 3.77%

    For 2020, Hamilton Home Loans's most frequently originated type of loan was Conventional, with 5,930 originations. Their 2nd most popular type was FHA, with 1,445 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,494 $1,104,790,000 $245,837 $6,464 3.27%
    Refi 2,461 $614,525,000 $249,705 $3,727 3.10%
    Cash Out Refi 1,113 $257,685,000 $231,523 $4,613 3.35%

    For 2020, Hamilton Home Loans's most frequently cited loan purpose was Home Purchase, with 4,494 originations. The 2nd most popular reason was Refi, with 2,461 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 7,272 $1,801,460,000 $247,726 $5,555 3.26%
    15 Year 559 $119,235,000 $213,301 $3,576 2.90%
    20 Year 159 $39,865,000 $250,723 $3,896 3.19%
    Other 61 $13,025,000 $213,525 $4,133 3.24%
    10 Year 17 $3,415,000 $200,882 $3,418 2.77%

    For 2020, Hamilton Home Loans's most frequently cited loan duration was 30 Year, with 7,272 originations. The 2nd most popular length was 15 Year, with 559 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,524 $594,460,000 $235,523
    $<1k 2,218 $554,920,000 $250,189
    $2k-3k 874 $204,400,000 $233,867
    $3k-4k 524 $124,650,000 $237,882
    $5k+ 330 $106,760,000 $323,515
    $4k-5k 312 $86,400,000 $276,923

    Hamilton Home Loans's average total fees were $5,555, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,524 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 4,213 $1,012,655,000 $240,364
    2.5-3% 3,091 $778,905,000 $251,991
    4-5% 392 $84,730,000 $216,148
    <2.5% 348 $95,830,000 $275,374
    5-6% 24 $4,880,000 $203,333

    During 2020, Hamilton Home Loans's average interest rate for loans was 3.26%, while their most frequently originated rate bucket for loans was 3-4%, with 4,213 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,257 $1,187,495,000 $278,951 $5,971 3.19%
    $100k-200k 2,689 $418,565,000 $155,658 $4,508 3.30%
    $400k-600k 675 $311,455,000 $461,415 $6,034 3.16%
    $100,000 or less 413 $33,165,000 $80,303 $3,300 3.33%
    $600k-1MM 31 $22,385,000 $722,097 $10,105 3.36%
    $1MM+ 3 $3,935,000 $1,311,667 $12,370 3.29%

    2020 saw Hamilton Home Loans place emphasis on $200k-400k loans with 4,257 originations, totaling $1,187,495,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,188 $465,150,000 $212,591 $5,896 3.24%
    $100k-150k 1,599 $452,295,000 $282,861 $5,208 3.24%
    $75k-100k 1,519 $378,615,000 $249,253 $5,559 3.26%
    $50k or less 1,482 $250,070,000 $168,738 $5,006 3.19%
    $150k-250k 962 $317,010,000 $329,532 $4,875 3.22%
    $250k+ 315 $112,805,000 $358,111 $4,871 3.24%

    Hamilton Home Loans lent most frequently to those with incomes in the $50k-75k range, with 2,188 originations. The second most popular income band? $100k-150k, with 1,599 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,376 $338,790,000 $246,214 $4,359 3.18%
    30-36% 1,315 $322,535,000 $245,274 $4,811 3.24%
    50-60% 678 $161,580,000 $238,319 $9,260 3.21%
    44% 410 $102,470,000 $249,927 $5,444 3.31%
    <20% 396 $90,630,000 $228,864 $3,884 3.10%
    42% 346 $86,540,000 $250,116 $5,274 3.31%
    43% 346 $84,040,000 $242,890 $5,523 3.32%
    49% 309 $76,835,000 $248,657 $6,054 3.26%
    40% 303 $72,965,000 $240,809 $5,217 3.26%
    39% 294 $71,610,000 $243,571 $5,269 3.32%
    41% 290 $70,920,000 $244,552 $5,052 3.30%
    38% 285 $69,665,000 $244,439 $5,185 3.32%
    37% 280 $68,210,000 $243,607 $5,111 3.26%
    36% 275 $65,975,000 $239,909 $5,191 3.30%
    48% 253 $61,895,000 $244,644 $5,712 3.26%
    45% 252 $64,830,000 $257,262 $5,566 3.26%
    46% 246 $59,700,000 $242,683 $5,740 3.25%
    47% 232 $54,080,000 $233,103 $5,856 3.22%
    >60% 182 $53,730,000 $295,220 $4,484 2.83%

    Hamilton Home Loans lent most frequently to those with DTI ratios of 20-30%, with 1,376 originations. The next most common DTI ratio? 30-36%, with 1,315 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,228 $1,530,490,000 $245,743 $5,304 3.23%
    Not provided 987 $241,675,000 $244,858 $5,150 3.25%
    Black 624 $146,600,000 $234,936 $6,493 3.24%
    Asian 195 $50,495,000 $258,949 $5,055 3.19%
    American Indian 17 $4,015,000 $236,176 $4,936 3.12%
    Native Hawaiian or Islander 14 $2,920,000 $208,571 $4,912 3.15%
    Asian Indian 2 $600,000 $300,000 $6,823 3.31%
    Filipino 1 $205,000 $205,000 $7,616 2.88%

    Approval Rates

    Total approvals of all applications
    95.82%

    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
    86.37%

    Hamilton Home Loans has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 8,068 $1,977,000,000 $245,042

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 7 $965,000 $137,857
    Single Family (1-4 Units):Site-Built 8,061 $1,976,035,000 $245,135

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 177 $26,475,000 $149,576 $3,202 3.07%
    40-60% 762 $162,910,000 $213,793 $3,562 3.07%
    60-80% 2,776 $687,390,000 $247,619 $4,212 3.25%
    80-100% 4,233 $1,066,335,000 $251,910 $6,393 3.26%
    Over 100% 110 $32,520,000 $295,636 $11,543 3.08%
    Under 20% 10 $1,370,000 $137,000 $3,152 2.90%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    HAMILTON GROUP FUNDING, INC. Conventional home mortgage Trouble during payment process 2 50.0%
    HAMILTON GROUP FUNDING, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    HAMILTON GROUP FUNDING, INC. VA mortgage Closing on a mortgage 1 25.0%