Mackillie Incorporated Mortgage Rates, Fees & Info
CARMEL, CALEI: 549300EKCY4J7PC8WH77
Tax ID: 27-0808153
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Mortgage Data
Review & Overview
Mackillie Incorporated is a smaller mortgage company specializing in Refi and Home Purchase loans. Mackillie Incorporated has a high proportion of conventional loans. Their top markets by origination volume include: Salinas, Los Angeles, San Francisco, Santa Cruz, and San Jose among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)Mackillie Incorporated has an above average approval rate when compared to the average across all lenders.
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Originations
221Origination Dollar Volume (All Markets)
$136,595,000Top 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 |
|---|---|---|---|---|---|
| SALINAS, CA (FHA|USDA|VA) | 76 | $60,530,000 | $796,447 | $0 | 11.29% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 64 | $33,720,000 | $526,875 | $0 | 11.39% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 19 | $11,575,000 | $609,211 | $0 | 11.39% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 10 | $8,240,000 | $824,000 | $0 | 11.14% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 11 | $6,215,000 | $565,000 | $0 | 11.23% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $3,975,000 | $441,667 | $0 | 11.56% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $2,765,000 | $553,000 | $0 | 11.30% |
| MADERA, CA (FHA|USDA|VA) | 2 | $2,530,000 | $1,265,000 | $0 | 10.50% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,675,000 | $558,333 | $0 | 11.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $0 | 11.42% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $0 | 10.80% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $0 | 11.50% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 12.00% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 11.50% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 11.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 11.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 10.00% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 12.00% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 13.50% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 221 | $136,595,000 | $618,077 | $0 | 11.32% |
For 2024, Mackillie Incorporated's most frequently originated type of loan was Conventional, with 221 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 148 | $60,910,000 | $411,554 | $0 | 11.54% |
| Home Purchase | 73 | $75,685,000 | $1,036,781 | $0 | 10.87% |
For 2024, Mackillie Incorporated's most frequently cited loan purpose was Refi, with 148 originations. The 2nd most popular reason was Home Purchase, with 73 originations.
Loan Duration/Length
For 2024, Mackillie Incorporated's most frequently cited loan duration was 1 Year, with 132 originations. The 2nd most popular length was Other, with 72 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 220 | $136,480,000 | $620,364 |
| 2.5-3% | 1 | $115,000 | $115,000 |
During 2024, Mackillie Incorporated's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 220 originations.
Loan Sizing
2024 saw Mackillie Incorporated place emphasis on $200k-400k loans with 53 originations, totaling $15,625,000 in origination value.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Mackillie Incorporated has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 221 | $136,595,000 | $618,077 |