Swbc Mortgage Corporation Rates, Fees & Info

SAN ANTONIO, TX

LEI: 549300DMYENRV818D594

Tax ID: 74-2508160

2020 Data | 2019 Data | 2018 Data


Overview

Swbc Mortgage Corporation is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Swbc Mortgage Corporation 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 include Denver, Nashville, Atlanta, Baltimore, and Dallas among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Swbc Mortgage Corporation is typically an average fee lendor.


Originations

24,002

Origination Dollar Volume (All Markets)

$6,832,980,000

Relative Rate

Swbc Mortgage Corporation's average 30 year fixed rate mortgage was 3.2%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.16%.

Relative Fees

Swbc Mortgage Corporation's average total fees for a 30 year fixed rate mortgage are $3,869.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 18,970 $5,538,430,000 $291,957 $3,335 3.15%
FHA 2,439 $566,115,000 $232,109 $6,061 3.21%
VA 2,193 $661,495,000 $301,639 $5,493 3.07%
USDA 400 $66,940,000 $167,350 $2,838 3.14%

For the 2020 period, Swbc Mortgage Corporation's most frequently originated loan type was Conventional, with 18,970 originations. Their 2nd most popular type is FHA, with 2,439 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 10,777 $2,961,285,000 $274,778 $4,042 3.14%
Refi 10,246 $3,022,360,000 $294,980 $3,454 3.10%
Cash Out Refi 2,749 $787,775,000 $286,568 $4,131 3.31%
Home Improvement 230 $61,560,000 $267,652 $4,101 3.12%

For the 2020, Swbc Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 10,777 originations. The 2nd most popular reason was Refi, with 10,246 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 20,294 $5,909,040,000 $291,172 $3,878 3.19%
15 Year 1,975 $474,705,000 $240,357 $3,400 2.77%
20 Year 1,241 $323,995,000 $261,076 $3,419 3.07%
Other 271 $81,885,000 $302,159 $3,244 3.17%
10 Year 221 $43,355,000 $196,176 $3,146 2.71%

For the 2020, Swbc Mortgage Corporation's most frequently cited loan length was 30 Year, with 20,294 originations. The 2nd most popular length was 15 Year, with 1,975 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 10,891 $3,070,865,000 $281,964
$<1k 8,334 $2,316,140,000 $277,915
$2k-3k 1,726 $460,680,000 $266,906
$3k-4k 1,291 $394,465,000 $305,550
$5k+ 406 $185,190,000 $456,133

$3,869 was Swbc Mortgage Corporation's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 10,891 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
DENVER-AURORA-LAKEWOOD, CO 2,523 $907,005,000 $359,495 $2,699 3.18%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 2,762 $812,340,000 $294,113 $3,103 3.09%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 1,770 $430,960,000 $243,480 $3,108 3.10%
BALTIMORE-COLUMBIA-TOWSON, MD 1,250 $398,390,000 $318,712 $4,041 3.18%
DALLAS-PLANO-IRVING, TX 1,285 $393,745,000 $306,416 $4,351 3.19%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 855 $351,945,000 $411,632 $4,879 3.12%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 1,290 $323,400,000 $250,698 $4,905 3.18%
SAN ANTONIO-NEW BRAUNFELS, TX 1,066 $321,820,000 $301,895 $5,096 3.19%
Outside of Metro Areas 1,245 $287,055,000 $230,566 $3,568 3.16%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 763 $248,855,000 $326,153 $4,524 3.13%
LAS VEGAS-HENDERSON-PARADISE, NV 732 $208,740,000 $285,164 $4,799 3.24%
BOULDER, CO 439 $196,915,000 $448,554 $1,602 3.24%
OGDEN-CLEARFIELD, UT 602 $167,610,000 $278,422 $4,195 3.13%
JACKSONVILLE, FL 713 $164,215,000 $230,316 $3,706 2.99%
WACO, TX 650 $142,240,000 $218,831 $3,959 3.26%
KILLEEN-TEMPLE, TX 612 $136,780,000 $223,497 $4,248 3.06%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 243 $95,925,000 $394,753 $4,212 3.15%
OKLAHOMA CITY, OK 407 $88,865,000 $218,342 $4,374 3.12%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 307 $87,465,000 $284,902 $4,957 3.10%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 302 $75,290,000 $249,305 $4,838 3.16%
PORT ST. LUCIE, FL 296 $70,220,000 $237,230 $4,649 3.14%
SAVANNAH, GA 255 $63,365,000 $248,490 $3,335 3.07%
ROANOKE, VA 284 $60,820,000 $214,155 $3,528 3.15%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 223 $50,645,000 $227,108 $4,215 2.96%
MIAMI-MIAMI BEACH-KENDALL, FL 142 $41,540,000 $292,535 $5,015 3.27%
HOT SPRINGS, AR 222 $41,540,000 $187,117 $2,648 3.17%
ABILENE, TX 185 $40,075,000 $216,622 $4,284 3.22%
MOBILE, AL 227 $39,545,000 $174,207 $2,689 3.07%
GREELEY, CO 103 $36,405,000 $353,447 $2,486 3.21%
CLARKSVILLE, TN-KY 177 $34,285,000 $193,701 $3,153 3.04%
BATON ROUGE, LA 141 $34,225,000 $242,730 $3,515 3.16%
SALT LAKE CITY, UT 108 $31,870,000 $295,093 $4,275 3.11%
HINESVILLE, GA 153 $30,075,000 $196,569 $3,886 3.17%
CHARLESTON-NORTH CHARLESTON, SC 69 $23,365,000 $338,623 $2,866 2.81%
FORT COLLINS, CO 59 $20,035,000 $339,576 $2,781 3.22%
FORT SMITH, AR-OK 116 $19,680,000 $169,655 $3,203 3.17%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 62 $18,510,000 $298,548 $4,839 3.16%
TEXARKANA, TX-AR 117 $17,845,000 $152,521 $3,127 3.13%
GREENVILLE-ANDERSON, SC 78 $17,470,000 $223,974 $3,726 3.24%
COLORADO SPRINGS, CO 47 $14,735,000 $313,511 $3,566 3.24%
WILMINGTON, DE-MD-NJ 52 $12,490,000 $240,192 $4,112 3.32%
RALEIGH-CARY, NC 41 $12,185,000 $297,195 $2,807 3.03%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 19 $10,975,000 $577,632 $5,749 3.22%
BRUNSWICK, GA 31 $9,735,000 $314,032 $3,839 3.00%
SALISBURY, MD-DE 38 $9,440,000 $248,421 $3,705 3.17%
LYNCHBURG, VA 41 $8,955,000 $218,415 $3,461 3.18%
LEXINGTON-FAYETTE, KY 48 $8,580,000 $178,750 $3,720 3.19%
NEW ORLEANS-METAIRIE, LA 31 $7,685,000 $247,903 $4,060 3.33%
NORTH PORT-SARASOTA-BRADENTON, FL 24 $7,360,000 $306,667 $4,430 3.19%
RICHMOND, VA 25 $7,275,000 $291,000 $4,442 3.10%
PALM BAY-MELBOURNE-TITUSVILLE, FL 39 $7,245,000 $185,769 $3,885 3.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 34 $7,090,000 $208,529 $2,679 3.20%
ROME, GA 36 $6,690,000 $185,833 $2,987 3.04%
LOS ANGELES-LONG BEACH-GLENDALE, CA 15 $6,405,000 $427,000 $5,139 3.17%
DAPHNE-FAIRHOPE-FOLEY, AL 26 $6,080,000 $233,846 $2,529 3.03%
CORPUS CHRISTI, TX 24 $6,000,000 $250,000 $4,408 3.19%
CHATTANOOGA, TN-GA 25 $5,775,000 $231,000 $2,210 3.07%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 9 $5,695,000 $632,778 $9,389 3.21%
PROVO-OREM, UT 17 $5,025,000 $295,588 $4,763 3.01%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 14 $4,290,000 $306,429 $4,719 3.27%
MEMPHIS, TN-MS-AR 18 $4,100,000 $227,778 $3,483 3.17%
YORK-HANOVER, PA 16 $3,970,000 $248,125 $4,823 3.20%
HAGERSTOWN-MARTINSBURG, MD-WV 14 $3,410,000 $243,571 $4,062 2.97%
DURHAM-CHAPEL HILL, NC 13 $3,405,000 $261,923 $3,280 3.15%
OAKLAND-BERKELEY-LIVERMORE, CA 3 $3,335,000 $1,111,667 $13,119 3.04%
GRAND JUNCTION, CO 12 $3,270,000 $272,500 $1,767 3.22%
COLLEGE STATION-BRYAN, TX 14 $3,190,000 $227,857 $4,730 3.42%
ORLANDO-KISSIMMEE-SANFORD, FL 13 $2,975,000 $228,846 $4,033 3.34%
SEBASTIAN-VERO BEACH, FL 16 $2,950,000 $184,375 $3,832 2.98%
LOGAN, UT-ID 11 $2,925,000 $265,909 $3,826 2.82%
ST. GEORGE, UT 12 $2,770,000 $230,833 $4,211 3.03%
PHOENIX-MESA-CHANDLER, AZ 9 $2,705,000 $300,556 $6,869 3.04%
SPARTANBURG, SC 15 $2,615,000 $174,333 $4,108 3.31%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 6 $2,530,000 $421,667 $3,644 2.92%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 11 $2,505,000 $227,727 $3,347 3.03%
BLACKSBURG-CHRISTIANSBURG, VA 10 $2,490,000 $249,000 $4,055 3.09%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 10 $2,260,000 $226,000 $4,529 2.85%
ANAHEIM-SANTA ANA-IRVINE, CA 4 $2,260,000 $565,000 $8,815 3.34%
CLEVELAND-ELYRIA, OH 12 $2,090,000 $174,167 $4,069 3.36%
TYLER, TX 8 $2,080,000 $260,000 $6,002 3.30%
KNOXVILLE, TN 8 $2,070,000 $258,750 $2,842 3.11%
PITTSBURGH, PA 7 $1,945,000 $277,857 $5,114 2.93%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 6 $1,910,000 $318,333 $5,721 3.06%
OCALA, FL 9 $1,795,000 $199,444 $3,704 3.28%
DALTON, GA 8 $1,760,000 $220,000 $3,529 3.00%
GAINESVILLE, GA 8 $1,750,000 $218,750 $2,725 2.92%
TULSA, OK 5 $1,655,000 $331,000 $5,056 2.98%
MCALLEN-EDINBURG-MISSION, TX 8 $1,630,000 $203,750 $5,222 2.91%
HILTON HEAD ISLAND-BLUFFTON, SC 5 $1,605,000 $321,000 $4,479 2.95%
LUBBOCK, TX 8 $1,580,000 $197,500 $5,507 2.94%
SHERMAN-DENISON, TX 8 $1,470,000 $183,750 $3,825 3.06%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 4 $1,450,000 $362,500 $3,850 3.00%
LAKELAND-WINTER HAVEN, FL 7 $1,405,000 $200,714 $4,582 3.07%
AUGUSTA-RICHMOND COUNTY, GA-SC 11 $1,395,000 $126,818 $2,721 4.06%
MIDLAND, TX 5 $1,345,000 $269,000 $5,209 3.33%
GAINESVILLE, FL 5 $1,345,000 $269,000 $3,910 3.28%
LONGVIEW, TX 8 $1,330,000 $166,250 $4,284 3.09%
NAPLES-MARCO ISLAND, FL 4 $1,310,000 $327,500 $5,697 3.03%
HAMMOND, LA 6 $1,310,000 $218,333 $2,923 3.10%
SANTA FE, NM 3 $1,275,000 $425,000 $4,064 3.54%
GULFPORT-BILOXI, MS 7 $1,255,000 $179,286 $2,398 3.11%
SANTA CRUZ-WATSONVILLE, CA 2 $1,230,000 $615,000 $3,607 3.13%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 2 $1,210,000 $605,000 $10,896 3.50%
WILMINGTON, NC 3 $1,185,000 $395,000 $5,348 2.79%
WINCHESTER, VA-WV 4 $1,160,000 $290,000 $3,791 3.19%
BIRMINGHAM-HOOVER, AL 3 $1,095,000 $365,000 $1,556 3.67%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 4 $1,070,000 $267,500 $3,702 3.00%
CAPE CORAL-FORT MYERS, FL 4 $1,050,000 $262,500 $4,320 3.47%
TRENTON-PRINCETON, NJ 2 $1,020,000 $510,000 $5,228 3.06%
HOUMA-THIBODAUX, LA 4 $1,020,000 $255,000 $4,113 3.13%
JACKSON, MS 6 $970,000 $161,667 $3,458 3.19%
RENO, NV 3 $965,000 $321,667 $3,516 3.29%
CALIFORNIA-LEXINGTON PARK, MD 3 $875,000 $291,667 $4,005 3.13%
PANAMA CITY, FL 2 $800,000 $400,000 $3,868 3.50%
LAFAYETTE, LA 3 $755,000 $251,667 $2,489 3.38%
GREENSBORO-HIGH POINT, NC 3 $755,000 $251,667 $2,058 3.63%
PENSACOLA-FERRY PASS-BRENT, FL 4 $750,000 $187,500 $3,531 3.53%
CLEVELAND, TN 4 $740,000 $185,000 $2,145 2.97%
SAN ANGELO, TX 4 $740,000 $185,000 $3,423 2.94%
ENID, OK 3 $725,000 $241,667 $6,981 2.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 2 $700,000 $350,000 $3,375 2.88%
COLUMBIA, SC 3 $695,000 $231,667 $5,301 3.50%
CHICAGO-NAPERVILLE-EVANSTON, IL 2 $680,000 $340,000 $2,426 3.06%
PUEBLO, CO 2 $620,000 $310,000 $7,219 3.81%
PHILADELPHIA, PA 2 $600,000 $300,000 $4,140 2.88%
CUMBERLAND, MD-WV 3 $575,000 $191,667 $3,430 3.21%
NEW BRUNSWICK-LAKEWOOD, NJ 1 $555,000 $555,000 $3,414 2.88%
TALLAHASSEE, FL 3 $545,000 $181,667 $2,795 3.17%
THE VILLAGES, FL 2 $540,000 $270,000 $6,398 2.75%
JACKSON, TN 2 $520,000 $260,000 $4,328 3.00%
ASHEVILLE, NC 2 $510,000 $255,000 $5,704 3.00%
OXNARD-THOUSAND OAKS-VENTURA, CA 1 $475,000 $475,000 $6,856 2.75%
BOISE CITY, ID 1 $475,000 $475,000 $4,077 2.75%
ELIZABETHTOWN-FORT KNOX, KY 1 $475,000 $475,000 $6,652 3.00%
BEAUMONT-PORT ARTHUR, TX 2 $450,000 $225,000 $6,599 4.75%
WARREN-TROY-FARMINGTON HILLS, MI 3 $435,000 $145,000 $2,762 3.17%
JOHNSON CITY, TN 2 $430,000 $215,000 $4,857 3.00%
VICTORIA, TX 2 $430,000 $215,000 $3,522 2.68%
NEW BERN, NC 2 $420,000 $210,000 $2,160 2.88%
AMARILLO, TX 2 $420,000 $210,000 $5,997 3.44%
LANCASTER, PA 1 $415,000 $415,000 $5,287 3.13%
DOTHAN, AL 1 $405,000 $405,000 $2,732 2.75%
WICHITA FALLS, TX 4 $400,000 $100,000 $2,747 4.03%
HOMOSASSA SPRINGS, FL 3 $395,000 $131,667 $4,823 3.67%
LAKE HAVASU CITY-KINGMAN, AZ 1 $395,000 $395,000 $4,838 2.88%
SCRANTON--WILKES-BARRE, PA 1 $395,000 $395,000 $4,993 2.88%
HUNTSVILLE, AL 2 $390,000 $195,000 $3,003 3.13%
GARY, IN 1 $385,000 $385,000 $2,233 2.75%
ATHENS-CLARKE COUNTY, GA 2 $370,000 $185,000 $5,210 2.94%
TACOMA-LAKEWOOD, WA 1 $365,000 $365,000 $4,240 3.88%
LAREDO, TX 2 $360,000 $180,000 $4,011 3.19%
SEBRING-AVON PARK, FL 3 $355,000 $118,333 $3,325 3.38%
BROWNSVILLE-HARLINGEN, TX 2 $350,000 $175,000 $3,686 3.06%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 2 $350,000 $175,000 $2,261 2.75%
SALINAS, CA 1 $335,000 $335,000 $2,801 2.75%
COLUMBUS, OH 1 $325,000 $325,000 $3,867 2.88%
LAFAYETTE-WEST LAFAYETTE, IN 1 $325,000 $325,000 $8,273 3.00%
COLUMBUS, GA-AL 1 $325,000 $325,000 $5,664 3.00%
FRESNO, CA 1 $295,000 $295,000 $3,675 2.88%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 1 $295,000 $295,000 $1,960 3.00%
MADERA, CA 1 $295,000 $295,000 $4,304 3.13%
HARRISONBURG, VA 1 $285,000 $285,000 $4,468 3.13%
FLORENCE-MUSCLE SHOALS, AL 1 $275,000 $275,000 $2,545 2.50%
ODESSA, TX 2 $270,000 $135,000 $3,710 2.94%
CHARLOTTESVILLE, VA 1 $265,000 $265,000 $4,717 3.13%
SHREVEPORT-BOSSIER CITY, LA 2 $260,000 $130,000 $4,934 3.00%
SEATTLE-BELLEVUE-KENT, WA 1 $255,000 $255,000 $4,467 3.38%
WARNER ROBINS, GA 1 $255,000 $255,000 $4,256 2.75%
WINSTON-SALEM, NC 1 $245,000 $245,000 $4,041 3.50%
AKRON, OH 1 $235,000 $235,000 $3,114 3.13%
GETTYSBURG, PA 1 $225,000 $225,000 $3,560 2.88%
NEWARK, NJ-PA 1 $225,000 $225,000 $3,319 3.63%
PRESCOTT VALLEY-PRESCOTT, AZ 1 $215,000 $215,000 $2,255 4.13%
LAWTON, OK 1 $215,000 $215,000 $0 3.25%
HATTIESBURG, MS 1 $185,000 $185,000 $2,042 3.25%
JONESBORO, AR 1 $185,000 $185,000 $6,235 3.00%
MORRISTOWN, TN 1 $185,000 $185,000 $2,188 3.50%
CAMDEN, NJ 1 $175,000 $175,000 $2,809 2.88%
BURLINGTON, NC 1 $175,000 $175,000 $2,408 3.00%
POCATELLO, ID 1 $175,000 $175,000 $2,824 2.75%
PINE BLUFF, AR 1 $165,000 $165,000 $5,378 2.88%
EL PASO, TX 1 $165,000 $165,000 $3,875 2.50%
MACON-BIBB COUNTY, GA 1 $155,000 $155,000 $2,014 3.25%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 1 $155,000 $155,000 $3,611 3.00%
SPOKANE-SPOKANE VALLEY, WA 1 $155,000 $155,000 $3,114 3.50%
CINCINNATI, OH-KY-IN 1 $145,000 $145,000 $5,849 3.00%
DOVER, DE 1 $135,000 $135,000 $3,386 3.13%
HARRISBURG-CARLISLE, PA 1 $115,000 $115,000 $3,638 3.25%
TUSCALOOSA, AL 1 $85,000 $85,000 $2,380 3.63%

Swbc Mortgage Corporation's top markets include Denver, Nashville, Atlanta, Baltimore, and Dallas among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 12,132 $3,547,110,000 $292,376
2.5-3% 10,130 $2,892,810,000 $285,569
<2.5% 992 $221,190,000 $222,974
4-5% 724 $168,500,000 $232,735
5-6% 18 $2,790,000 $155,000
6-7% 4 $330,000 $82,500
7-8% 2 $250,000 $125,000

During 2020, Swbc Mortgage Corporation's average interest rate was 3.20%, while their most frequently originated rate bucket was 3-4%, with 12,132 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 12,730 $3,611,740,000 $283,719 $3,915 3.14%
$100k-200k 6,106 $968,080,000 $158,546 $3,307 3.18%
$400k-600k 3,696 $1,752,200,000 $474,080 $4,239 3.15%
$100,000 or less 911 $58,875,000 $64,627 $2,195 2.86%
$600k-1MM 495 $358,135,000 $723,505 $5,747 3.25%
$1MM+ 64 $83,950,000 $1,311,719 $10,315 3.36%

2020 saw Swbc Mortgage Corporation place emphasis on $200k-400k loans with 12,730 originations, totaling $3,611,740,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 5,330 $1,673,150,000 $313,912 $3,936 3.16%
$50k-75k 5,272 $1,162,740,000 $220,550 $3,668 3.14%
$75k-100k 4,138 $1,098,570,000 $265,483 $3,807 3.16%
$150k-250k 3,956 $1,483,350,000 $374,962 $3,941 3.16%
$50k or less 3,930 $774,790,000 $197,148 $3,467 3.09%
$250k+ 1,376 $640,380,000 $465,392 $4,330 3.16%

Swbc Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 5,330 originations. The second most popular income band? $50k-75k, with 5,272 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 5,425 $1,592,105,000 $293,476 $3,419 3.11%
30-36% 4,358 $1,237,870,000 $284,045 $3,646 3.15%
<20% 2,123 $606,795,000 $285,820 $3,306 3.03%
44% 970 $259,290,000 $267,309 $3,894 3.23%
39% 873 $248,355,000 $284,485 $3,824 3.21%
41% 869 $248,225,000 $285,644 $4,015 3.19%
38% 857 $248,745,000 $290,251 $3,868 3.18%
42% 846 $232,640,000 $274,988 $3,931 3.21%
43% 841 $230,055,000 $273,549 $3,731 3.23%
50-60% 819 $218,095,000 $266,294 $6,394 3.16%
36% 799 $220,815,000 $276,364 $3,429 3.16%
37% 791 $226,855,000 $286,795 $3,759 3.20%
40% 779 $219,795,000 $282,150 $3,708 3.18%
45% 582 $159,580,000 $274,192 $4,028 3.20%
49% 574 $160,260,000 $279,199 $4,198 3.14%
48% 545 $151,665,000 $278,284 $4,003 3.18%
47% 504 $144,850,000 $287,401 $4,290 3.18%
46% 501 $141,765,000 $282,964 $4,301 3.19%
>60% 484 $142,530,000 $294,483 $4,540 3.05%

Swbc Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 5,425 originations. The next most common DTI ratio? 30-36%, with 4,358 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 19,010 $5,435,680,000 $285,938 $3,715 3.15%
Not provided 2,602 $767,290,000 $294,885 $4,050 3.13%
Black 1,287 $314,185,000 $244,122 $4,277 3.12%
Asian 812 $234,330,000 $288,584 $4,058 3.10%
American Indian 156 $40,900,000 $262,179 $4,396 3.13%
Asian Indian 47 $17,005,000 $361,809 $4,307 3.07%
Native Hawaiian 23 $6,185,000 $268,913 $5,393 3.19%
Filipino 18 $4,660,000 $258,889 $3,592 3.06%
Other Asian 14 $3,950,000 $282,143 $4,336 3.06%
Chinese 9 $2,595,000 $288,333 $4,719 3.18%
Korean 7 $1,795,000 $256,429 $4,326 3.21%
Vietnamese 7 $1,625,000 $232,143 $4,430 3.23%
Other Pacific Islander 4 $1,130,000 $282,500 $6,467 3.25%
Japanese 4 $900,000 $225,000 $3,862 3.09%
Guamanian 1 $475,000 $475,000 $1,277 3.25%
Native Hawiian 1 $275,000 $275,000 $4,604 3.13%

Approval Rates

Total approvals of all applications
97.08%

Swbc Mortgage Corporation 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
80.64%

Swbc Mortgage Corporation has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 24,002 $6,832,980,000 $284,684

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 24 $3,310,000 $137,917
Single Family (1-4 Units):Site-Built 23,978 $6,829,670,000 $284,831

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 741 $152,555,000 $205,877 $2,828 2.92%
40-60% 3,019 $814,765,000 $269,879 $3,012 3.01%
60-80% 8,375 $2,564,075,000 $306,158 $3,518 3.21%
80-100% 11,096 $3,132,090,000 $282,272 $4,113 3.18%
Over 100% 548 $163,480,000 $298,321 $8,743 3.12%
Under 20% 223 $6,015,000 $26,973 $447 1.55%