E-central Mortgage Rates, Fees & Info
Pasadena, CALEI: 549300D4VIBCJZMGB086
Tax ID: 95-1442156
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Mortgage Data
Review & Overview
E-central is a smaller mortgage company specializing in Cash Out Refi loans. E-central has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Diego, Oxnard, and San Francisco among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)E-central has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
50Origination Dollar Volume (All Markets)
$6,280,000Top 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 |
---|---|---|---|---|---|
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 40 | $4,880,000 | $122,000 | $0 | 0.00% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $890,000 | $148,333 | $0 | 0.00% |
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 0.00% |
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against E-CENTRAL 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
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 50 | $6,280,000 | $125,600 | $0 | 0.00% |
For 2018, E-central's most frequently originated type of loan was Conventional, with 50 originations.
Loan Reason
Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Cash Out Refi | 32 | $3,920,000 | $122,500 | $0 | 0.00% |
Other | 15 | $1,255,000 | $83,667 | $0 | 0.00% |
Refi | 3 | $1,105,000 | $368,333 | $0 | 0.00% |
For 2018, E-central's most frequently cited loan purpose was Cash Out Refi, with 32 originations. The 2nd most popular reason was Other, with 15 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Other | 50 | $6,280,000 | $125,600 | $0 | 0.00% |
For 2018, E-central's most frequently cited loan duration was Other, with 50 originations.
Loan Sizing
2018 saw E-central place emphasis on $100,000 or less loans with 31 originations, totaling $1,665,000 in origination value.
Applicant Income
E-central lent most frequently to those with incomes in the $50k-75k range, with 14 originations. The second most popular income band? $75k-100k, with 14 originations.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Exempt% | 50 | $6,280,000 | $125,600 | $0 | 0.00% |
E-central lent most frequently to those with DTI ratios of Exempt%, with 50 originations.
Ethnicity Mix
Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
White | 38 | $4,830,000 | $127,105 | $0 | 0.00% |
Black | 7 | $835,000 | $119,286 | $0 | 0.00% |
Asian | 5 | $615,000 | $123,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications88.89%
E-central has an average approval rate.
Pick Rate
Approvals leading to origination40.00%
E-central 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 |
---|---|---|---|
Exempt | 50 | $6,280,000 | $125,600 |