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, Oxnard, and San Luis Obispo among others. We have data for 22 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
190Origination Dollar Volume (All Markets)
$118,740,000Top 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) | 66 | $62,260,000 | $943,333 | $0 | 10.59% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 48 | $26,180,000 | $545,417 | $0 | 10.65% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 12 | $6,160,000 | $513,333 | $0 | 10.17% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 15 | $5,815,000 | $387,667 | $0 | 10.67% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $3,630,000 | $605,000 | $0 | 10.40% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 7 | $3,475,000 | $496,429 | $0 | 10.96% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $2,905,000 | $581,000 | $0 | 11.25% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 7 | $1,785,000 | $255,000 | $0 | 11.14% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $0 | 11.23% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $0 | 9.75% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $0 | 10.48% |
| NAPA, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 10.50% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 10.00% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 11.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 11.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 10.87% |
| MADERA, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 11.00% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 11.00% |
| MERCED, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 9.50% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 15.00% |
| Outside of Metro Areas | 1 | $55,000 | $55,000 | $0 | 12.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 12.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 190 | $118,740,000 | $624,947 | $0 | 10.68% |
For 2023, Mackillie Incorporated's most frequently originated type of loan was Conventional, with 190 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 128 | $58,810,000 | $459,453 | $0 | 10.86% |
| Home Purchase | 62 | $59,930,000 | $966,613 | $0 | 10.31% |
For 2023, Mackillie Incorporated's most frequently cited loan purpose was Refi, with 128 originations. The 2nd most popular reason was Home Purchase, with 62 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 1 Year | 100 | $67,270,000 | $672,700 | $0 | 10.60% |
| Other | 86 | $49,020,000 | $570,000 | $0 | 10.76% |
| 3 Year | 4 | $2,450,000 | $612,500 | $0 | 10.94% |
For 2023, Mackillie Incorporated's most frequently cited loan duration was 1 Year, with 100 originations. The 2nd most popular length was Other, with 86 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 189 | $118,195,000 | $625,370 |
| 7-8% | 1 | $545,000 | $545,000 |
During 2023, Mackillie Incorporated's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 189 originations.
Loan Sizing
2023 saw Mackillie Incorporated place emphasis on $200k-400k loans with 53 originations, totaling $15,295,000 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 | 190 | $118,740,000 | $624,947 |