Hamilton Home Loans Mortgage Rates, Fees & Info
SUNRISE, FLLEI: 549300D2MZZVH30ENJ10
Tax ID: 35-2195549
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Mortgage Data
Review & Overview
Hamilton Home Loans is a smaller 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, Tampa, Cape Coral, Las Vegas, and Jacksonville among others. We have data for 95 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 a high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.15% | 9/1/24 |
| 30 Year Conventional Refi | 6.79% | 9/1/24 |
| 30 Year Cash-out Refi | 7.07% | 9/1/24 |
| 30 Year FHA Purchase | 7.67% | 9/1/24 |
| 30 Year FHA Refi | 7.67% | 9/1/24 |
| 30 Year VA Purchase | 6.55% | 9/1/24 |
| 30 Year USDA Purchase | 7.16% | 9/1/24 |
| 15 Year Conventional Purchase | 6.44% | 9/1/24 |
| 15 Year Conventional Refi | 6.32% | 9/1/24 |
| 15 Year Cash-out Refi | 6.32% | 9/1/24 |
| 15 Year VA Refi | 5.68% | 9/1/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,805Origination Dollar Volume (All Markets)
$541,215,000Awards
HAMILTON HOME LOANS - 2022
HAMILTON HOME LOANS is a 2022 , due to their low .
For 2022, 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) | 516 | $174,950,000 | $339,050 | $10,043 | 4.83% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 156 | $44,460,000 | $285,000 | $6,954 | 4.79% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 149 | $42,325,000 | $284,060 | $8,181 | 4.72% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 87 | $35,705,000 | $410,402 | $8,164 | 4.79% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 97 | $23,975,000 | $247,165 | $7,705 | 4.73% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 72 | $23,080,000 | $320,556 | $7,509 | 4.93% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 66 | $20,570,000 | $311,667 | $8,332 | 4.79% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 85 | $18,585,000 | $218,647 | $9,349 | 4.70% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 52 | $14,200,000 | $273,077 | $7,863 | 4.84% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 40 | $12,840,000 | $321,000 | $11,307 | 4.92% |
| OCALA, FL (FHA|USDA|VA) | 54 | $12,360,000 | $228,889 | $7,401 | 4.76% |
| RICHMOND, VA (FHA|USDA|VA) | 36 | $10,170,000 | $282,500 | $7,722 | 5.19% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 22 | $6,950,000 | $315,909 | $8,768 | 4.72% |
| Outside of Metro Areas | 23 | $6,105,000 | $265,435 | $6,685 | 5.09% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 23 | $5,925,000 | $257,609 | $9,016 | 4.77% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 22 | $5,800,000 | $263,636 | $7,003 | 4.91% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 14 | $5,450,000 | $389,286 | $10,625 | 4.52% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 23 | $5,305,000 | $230,652 | $5,975 | 4.51% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 23 | $4,905,000 | $213,261 | $7,640 | 5.47% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 14 | $4,360,000 | $311,429 | $10,356 | 4.76% |
| GAINESVILLE, FL (FHA|USDA|VA) | 16 | $3,990,000 | $249,375 | $7,496 | 5.14% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 16 | $3,860,000 | $241,250 | $6,148 | 4.57% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 11 | $3,135,000 | $285,000 | $8,817 | 4.94% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $3,110,000 | $388,750 | $10,118 | 5.59% |
| WACO, TX (FHA|USDA|VA) | 11 | $2,955,000 | $268,636 | $6,808 | 4.65% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $2,810,000 | $468,333 | $3,905 | 4.73% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 11 | $2,495,000 | $226,818 | $7,975 | 4.98% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 9 | $2,405,000 | $267,222 | $12,265 | 4.90% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $2,310,000 | $288,750 | $9,781 | 4.72% |
| LOUISVILLE, KY (FHA|USDA|VA) | 8 | $1,860,000 | $232,500 | $5,020 | 4.97% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $11,263 | 4.95% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $9,672 | 4.56% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $6,754 | 4.98% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $7,083 | 4.53% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $9,684 | 4.19% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $11,602 | 4.93% |
| Clewiston, FL (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $11,694 | 5.44% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $6,790 | 5.19% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $6,766 | 5.40% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $7,453 | 4.75% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $14,862 | 4.94% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $10,333 | 4.29% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $7,875 | 5.05% |
| BURLINGTON, NC (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $5,969 | 4.94% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $8,156 | 5.58% |
| Brevard, NC (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $22,758 | 4.75% |
| Pahrump, NV (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $5,852 | 5.08% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,592 | 2.99% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,731 | 4.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $1,908 | 5.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,796 | 4.31% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $7,946 | 4.46% |
| Holland, MI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $8,236 | 5.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,437 | 4.81% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,929 | 4.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,862 | 4.25% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $9,395 | 4.99% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,021 | 6.63% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,951 | 4.50% |
| Fernley, NV (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,901 | 5.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,497 | 4.25% |
| Boone, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 5.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,315 | 4.99% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,202 | 5.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $20,592 | 4.38% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,909 | 4.88% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $16,056 | 6.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,890 | 3.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,372 | 5.13% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,105 | 3.75% |
| Sanford, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,072 | 4.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $15,291 | 3.25% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,583 | 4.38% |
| DALTON, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,299 | 4.75% |
| Danville, KY (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,997 | 4.06% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,609 | 5.06% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,776 | 3.99% |
| Lake City, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,617 | 4.50% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.99% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,886 | 3.99% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,557 | 4.25% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,303 | 4.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,165 | 5.13% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,386 | 4.88% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,468 | 4.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,223 | 5.38% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,984 | 5.63% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,808 | 4.75% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,215 | 4.13% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,732 | 5.75% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.75% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,169 | 5.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,980 | 5.88% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,873 | 5.50% |
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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.
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Product Mix
For 2022, Hamilton Home Loans's most frequently originated type of loan was Conventional, with 1,277 originations. Their 2nd most popular type was FHA, with 417 originations.
Loan Reason
For 2022, Hamilton Home Loans's most frequently cited loan purpose was Home Purchase, with 1,465 originations. The 2nd most popular reason was Cash Out Refi, with 245 originations.
Loan Duration/Length
For 2022, Hamilton Home Loans's most frequently cited loan duration was 30 Year, with 1,732 originations. The 2nd most popular length was 15 Year, with 51 originations.
Origination Fees/Closing Costs
Hamilton Home Loans's average total fees were $8,696, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 464 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 848 | $254,110,000 | $299,658 |
| 5-6% | 577 | $175,255,000 | $303,735 |
| 3-4% | 298 | $88,390,000 | $296,611 |
| 6-7% | 68 | $19,230,000 | $282,794 |
| 2.5-3% | 14 | $4,230,000 | $302,143 |
During 2022, Hamilton Home Loans's average interest rate for loans was 4.86%, while their most frequently originated rate bucket for loans was 4-5%, with 848 originations.
Loan Sizing
2022 saw Hamilton Home Loans place emphasis on $200k-400k loans with 993 originations, totaling $286,385,000 in origination value.
Applicant Income
Hamilton Home Loans lent most frequently to those with incomes in the $50k-75k range, with 473 originations. The second most popular income band? $100k-150k, with 423 originations.
Applicant Debt to Income Ratio
Hamilton Home Loans lent most frequently to those with DTI ratios of 30-36%, with 246 originations. The next most common DTI ratio? 50-60%, with 218 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.11%
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 origination70.03%
Hamilton Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,805 | $541,215,000 | $299,842 |