Eustis And American Mortgage Company Rates, Fees & Info
NEW ORLEANS, LALEI: 549300DG3IV05V4C4E03
Tax ID: 72-0484657
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Mortgage Data
Review & Overview
Eustis And American Mortgage Company is a smaller mortgage company specializing in Home Purchase loans. Eustis And American Mortgage Company 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: Dallas, New Orleans, Houston, Baton Rouge, and Nashville among others. We have data for 90 markets. (Some data included below & more in-depth data is available with an active subscription.)Eustis And American Mortgage Company 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. Eustis And American Mortgage Company 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/18/24 |
| 30 Year Conventional Purchase | 6.76% | 4/18/24 |
| 30 Year Conventional Refi | 6.59% | 4/18/24 |
| 30 Year Cash-out Refi | 6.91% | 4/18/24 |
| 30 Year FHA Purchase | 7.57% | 4/18/24 |
| 30 Year FHA Refi | 7.47% | 4/18/24 |
| 30 Year VA Purchase | 6.45% | 4/18/24 |
| 30 Year VA Refi | 6.80% | 4/18/24 |
| 30 Year USDA Purchase | 6.88% | 4/18/24 |
| 30 Year USDA Refi | 7.21% | 4/18/24 |
| 15 Year Conventional Purchase | 6.11% | 4/18/24 |
| 15 Year Conventional Refi | 5.98% | 4/18/24 |
| 15 Year Cash-out Refi | 5.98% | 4/18/24 |
| 15 Year FHA Purchase | 7.66% | 4/18/24 |
| 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. | ||
Eustis And American Mortgage Company Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,317Origination Dollar Volume (All Markets)
$703,975,000Awards
EUSTIS AND AMERICAN MORTGAGE COMPANY - 2019
EUSTIS AND AMERICAN MORTGAGE COMPANY is a 2019 , due to their low .
For 2019, 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 455 | $124,565,000 | $273,769 | $7,460 | 4.40% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 469 | $118,085,000 | $251,780 | $5,412 | 4.29% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 522 | $104,940,000 | $201,034 | $5,577 | 4.60% |
| BATON ROUGE, LA (FHA|USDA|VA) | 385 | $83,535,000 | $216,974 | $6,393 | 4.30% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 170 | $39,130,000 | $230,176 | $4,983 | 4.33% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 206 | $37,160,000 | $180,388 | $5,431 | 4.40% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 191 | $31,025,000 | $162,435 | $4,260 | 4.43% |
| Outside of Metro Areas | 134 | $21,920,000 | $163,582 | $5,573 | 4.39% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 96 | $18,420,000 | $191,875 | $8,594 | 4.02% |
| Fort Polk South, LA (FHA|USDA|VA) | 85 | $16,705,000 | $196,529 | $4,476 | 4.24% |
| EL PASO, TX (FHA|USDA|VA) | 88 | $15,890,000 | $180,568 | $5,326 | 4.17% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 76 | $14,550,000 | $191,447 | $6,791 | 4.25% |
| LAFAYETTE, LA (FHA|USDA|VA) | 63 | $11,515,000 | $182,778 | $5,989 | 4.27% |
| DeRidder, LA (FHA|USDA|VA) | 60 | $10,320,000 | $172,000 | $4,318 | 4.10% |
| Picayune, MS (FHA|USDA|VA) | 31 | $4,145,000 | $133,710 | $5,504 | 4.54% |
| HAMMOND, LA (FHA|USDA|VA) | 23 | $4,045,000 | $175,870 | $5,236 | 4.33% |
| Huntsville, TX (FHA|USDA|VA) | 14 | $3,640,000 | $260,000 | $5,917 | 4.29% |
| AMARILLO, TX (FHA|USDA|VA) | 14 | $2,600,000 | $185,714 | $5,727 | 4.04% |
| MONROE, LA (FHA|USDA|VA) | 13 | $2,315,000 | $178,077 | $7,224 | 4.70% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $2,130,000 | $266,250 | $8,386 | 4.31% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 11 | $2,105,000 | $191,364 | $5,131 | 4.55% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 11 | $1,975,000 | $179,545 | $5,137 | 4.14% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 9 | $1,895,000 | $210,556 | $5,318 | 4.72% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 11 | $1,885,000 | $171,364 | $5,392 | 4.33% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 10 | $1,610,000 | $161,000 | $5,491 | 5.06% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $5,681 | 4.54% |
| Bay City, TX (FHA|USDA|VA) | 7 | $1,345,000 | $192,143 | $6,171 | 4.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $5,715 | 3.65% |
| ABILENE, TX (FHA|USDA|VA) | 7 | $1,095,000 | $156,429 | $5,351 | 4.02% |
| Opelousas, LA (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $6,368 | 4.45% |
| LUBBOCK, TX (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $6,939 | 3.88% |
| Minden, LA (FHA|USDA|VA) | 8 | $900,000 | $112,500 | $4,867 | 4.73% |
| LONGVIEW, TX (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $5,425 | 4.25% |
| Athens, TX (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $8,673 | 4.25% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $5,454 | 4.81% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $5,971 | 4.63% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $6,406 | 3.81% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $6,877 | 4.22% |
| WACO, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,020 | 4.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,745 | 4.08% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $7,453 | 4.38% |
| Bogalusa, LA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $5,431 | 4.44% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,877 | 4.31% |
| Granbury, TX (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $4,899 | 4.96% |
| Morgan City, LA (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $5,475 | 4.53% |
| Natchitoches, LA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,959 | 4.25% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $5,415 | 4.79% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,985 | 4.13% |
| Ruston, LA (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $5,183 | 4.38% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,170 | 4.88% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,663 | 4.38% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,843 | 4.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $4,825 | 6.13% |
| Pampa, TX (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $5,783 | 3.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,316 | 3.75% |
| Angola, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,405 | 4.31% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,625 | 3.63% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,258 | 4.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,036 | 5.38% |
| Jennings, LA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,438 | 4.69% |
| New Castle, IN (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $4,091 | 4.42% |
| Plymouth, IN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,407 | 4.25% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,478 | 7.63% |
| MUNCIE, IN (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $2,790 | 4.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,802 | 4.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,503 | 3.75% |
| Brenham, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,864 | 3.25% |
| Hereford, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $5,485 | 4.69% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,390 | 5.00% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,581 | 4.13% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,903 | 4.94% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,974 | 3.00% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,383 | 4.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,566 | 4.88% |
| Raymondville, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,705 | 4.38% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,656 | 3.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,677 | 5.00% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,697 | 4.50% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $4,736 | 4.81% |
| Frankfort, IN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $2,530 | 4.81% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,124 | 3.50% |
| Levelland, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,670 | 3.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,515 | 4.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,974 | 4.50% |
| Marion, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,694 | 5.00% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,194 | 4.63% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,425 | 3.75% |
| Palestine, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,490 | 5.00% |
| Connersville, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,746 | 4.63% |
| Richmond, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,898 | 4.13% |
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Product Mix
For 2019, Eustis And American Mortgage Company's most frequently originated type of loan was Conventional, with 1,828 originations. Their 2nd most popular type was FHA, with 955 originations.
Loan Reason
For 2019, Eustis And American Mortgage Company's most frequently cited loan purpose was Home Purchase, with 2,490 originations. The 2nd most popular reason was Refi, with 497 originations.
Loan Duration/Length
For 2019, Eustis And American Mortgage Company's most frequently cited loan duration was 30 Year, with 3,063 originations. The 2nd most popular length was 15 Year, with 123 originations.
Origination Fees/Closing Costs
Eustis And American Mortgage Company's average total fees were $5,935, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,736 originations.
Interest Rates
During 2019, Eustis And American Mortgage Company's average interest rate for loans was 4.38%, while their most frequently originated rate bucket for loans was 4-5%, with 1,559 originations.
Loan Sizing
2019 saw Eustis And American Mortgage Company place emphasis on $100k-200k loans with 1,542 originations, totaling $232,590,000 in origination value.
Applicant Income
Eustis And American Mortgage Company lent most frequently to those with incomes in the $50k-75k range, with 834 originations. The second most popular income band? $100k-150k, with 697 originations.
Applicant Debt to Income Ratio
Eustis And American Mortgage Company lent most frequently to those with DTI ratios of 37%, with 2 originations. The next most common DTI ratio? <20%, with 1 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.46%
Eustis And American Mortgage Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination76.33%
Eustis And American Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,317 | $703,975,000 | $212,232 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 131 | $17,985,000 | $137,290 |
| Single Family (1-4 Units):Site-Built | 3,186 | $685,990,000 | $215,314 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| EAST WEST BANK | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 25.0% |
| EAST WEST BANK | Conventional home mortgage | Closing on a mortgage | 3 | 37.5% |
| EAST WEST BANK | Conventional home mortgage | Struggling to pay mortgage | 1 | 12.5% |
| EAST WEST BANK | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 12.5% |
| EAST WEST BANK | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 12.5% |