Hamilton Home Loans Mortgage Rates, Fees & Info
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Tax ID: 35-2195549
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Mortgage Data
Review & Overview
Hamilton Home Loans is a small mortgage company specializing in Home Purchase 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.
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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
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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
5,945Origination Dollar Volume (All Markets)
$1,542,825,000Awards
HAMILTON HOME LOANS - 2021
HAMILTON HOME LOANS is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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, KY (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% |
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Product Mix
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
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
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
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
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
2021 saw Hamilton Home Loans place emphasis on $200k-400k loans with 3,103 originations, totaling $871,445,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications95.48%
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 origination77.85%
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
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% |