Nexera Holding Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300EKFFG3BU8DNX74

Tax ID: 46-5671661

1 stars - Updated: 6/9/24 - out of 5 stars, based on 53 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Nexera Holding is a small mortgage company specializing in Home Purchase and Cash Out Refi loans. Nexera Holding has a high proportion of conventional 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: Los Angeles, Miami, San Diego, Riverside, and San Francisco among others. We have data for 267 markets. (Some data included below & more in-depth data is available with an active subscription.)

Nexera Holding 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. Nexera Holding is typically a high 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 relatively high 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 8.46% 6/9/24
30 Year Conventional Refi 7.39% 6/9/24
30 Year Cash-out Refi 7.69% 6/9/24
30 Year FHA Purchase 7.12% 6/9/24
30 Year FHA Refi 6.27% 6/9/24
30 Year VA Purchase 6.27% 6/9/24
15 Year Conventional Purchase 8.62% 6/9/24
15 Year Conventional Refi 5.45% 6/9/24
15 Year Cash-out Refi 5.45% 6/9/24
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.

Nexera Holding Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Nexera Holding. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,780

Origination Dollar Volume (All Markets)

$1,423,580,000

Awards

NEXERA HOLDING FHA Loans bronze NEXERA HOLDING FHA Loans gold
Show all (2) awards

Relative Rate

Nexera Holding's average 30 year fixed mortgage rate was 8.55%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 2.07%.

Relative Fees (Closing Costs)

Nexera Holding's average total fees/closing costs for a 30 year fixed rate mortgage were $17,024.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 234 $226,160,000 $966,496 $21,791 8.26%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 189 $109,465,000 $579,180 $21,396 8.51%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 80 $67,310,000 $841,375 $23,064 8.14%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 109 $63,225,000 $580,046 $15,827 8.50%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 65 $52,835,000 $812,846 $17,392 8.27%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 117 $50,605,000 $432,521 $14,762 8.42%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 107 $46,495,000 $434,533 $15,982 8.60%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 93 $44,445,000 $477,903 $17,033 8.76%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 106 $30,760,000 $290,189 $13,104 8.91%
Outside of Metro Areas 62 $29,510,000 $475,968 $18,657 8.57%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 67 $29,375,000 $438,433 $18,205 8.75%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 46 $28,450,000 $618,478 $16,672 8.42%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 55 $25,935,000 $471,545 $20,692 8.72%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 39 $22,435,000 $575,256 $18,581 8.46%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 42 $22,030,000 $524,524 $19,107 8.40%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 49 $19,115,000 $390,102 $18,492 8.73%
JACKSONVILLE, FL (FHA|USDA|VA) 36 $19,040,000 $528,889 $17,900 8.43%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 43 $18,565,000 $431,744 $13,759 8.82%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 24 $18,090,000 $753,750 $15,581 8.16%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 34 $17,240,000 $507,059 $15,102 8.31%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 50 $16,000,000 $320,000 $14,423 8.69%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 29 $15,265,000 $526,379 $18,606 8.39%
SALT LAKE CITY, UT (FHA|USDA|VA) 23 $14,305,000 $621,957 $18,865 8.54%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 13 $13,895,000 $1,068,846 $21,316 7.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 13 $12,745,000 $980,385 $26,820 8.80%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 43 $12,725,000 $295,930 $13,224 8.95%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 19 $12,055,000 $634,474 $16,313 8.22%
STOCKTON, CA (FHA|USDA|VA) 26 $10,520,000 $404,615 $12,967 8.18%
URBAN HONOLULU, HI (FHA|USDA|VA) 14 $10,320,000 $737,143 $31,388 8.24%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 10 $9,470,000 $947,000 $20,977 8.36%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 13 $9,335,000 $718,077 $17,589 8.61%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 14 $9,030,000 $645,000 $15,420 8.46%
FRESNO, CA (FHA|USDA|VA) 28 $8,950,000 $319,643 $12,876 8.85%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 24 $8,410,000 $350,417 $12,984 8.51%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 12 $8,350,000 $695,833 $17,732 8.42%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 15 $8,205,000 $547,000 $16,230 8.33%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $8,180,000 $1,022,500 $31,694 8.48%
Key West, FL (FHA|USDA|VA) 9 $8,005,000 $889,444 $42,651 8.13%
PROVO-OREM, UT (FHA|USDA|VA) 10 $7,920,000 $792,000 $26,600 8.79%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 19 $7,745,000 $407,632 $17,720 8.91%
BAKERSFIELD, CA (FHA|USDA|VA) 22 $7,440,000 $338,182 $13,572 8.60%
ST. GEORGE, UT (FHA|USDA|VA) 10 $7,190,000 $719,000 $22,093 7.84%
Hilo, HI (FHA|USDA|VA) 9 $6,725,000 $747,222 $25,322 8.29%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 11 $6,315,000 $574,091 $14,470 8.20%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 24 $6,100,000 $254,167 $10,964 8.94%
BOISE CITY, ID (FHA|USDA|VA) 15 $5,985,000 $399,000 $13,724 8.40%
VALLEJO, CA (FHA|USDA|VA) 11 $5,985,000 $544,091 $16,728 7.97%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 11 $5,505,000 $500,455 $10,917 7.94%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 15 $5,425,000 $361,667 $9,954 8.99%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 12 $5,220,000 $435,000 $13,664 8.41%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $4,760,000 $793,333 $25,489 8.79%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 13 $4,385,000 $337,308 $14,734 8.59%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 15 $4,365,000 $291,000 $12,119 9.04%
MODESTO, CA (FHA|USDA|VA) 9 $4,275,000 $475,000 $12,061 8.56%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 17 $3,915,000 $230,294 $12,245 8.87%
PORT ST. LUCIE, FL (FHA|USDA|VA) 10 $3,880,000 $388,000 $13,486 8.88%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 6 $3,850,000 $641,667 $15,271 7.96%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 6 $3,660,000 $610,000 $15,802 8.02%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 6 $3,530,000 $588,333 $22,233 8.52%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 16 $3,350,000 $209,375 $9,533 8.94%
Heber, UT (FHA|USDA|VA) 5 $3,305,000 $661,000 $19,075 7.43%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 15 $3,275,000 $218,333 $8,547 8.28%
OCALA, FL (FHA|USDA|VA) 12 $3,170,000 $264,167 $12,828 8.57%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 7 $2,935,000 $419,286 $27,046 9.20%
COLUMBUS, OH (FHA|USDA|VA) 12 $2,820,000 $235,000 $14,619 8.81%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 7 $2,685,000 $383,571 $0 8.39%
SALINAS, CA (FHA|USDA|VA) 5 $2,665,000 $533,000 $14,993 8.85%
KANSAS CITY, MO-KS (FHA|USDA|VA) 9 $2,565,000 $285,000 $6,555 8.63%
BELLINGHAM, WA (FHA|USDA|VA) 6 $2,510,000 $418,333 $12,578 7.65%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 9 $2,475,000 $275,000 $12,276 8.94%
COLORADO SPRINGS, CO (FHA|USDA|VA) 6 $2,440,000 $406,667 $17,195 8.56%
MERCED, CA (FHA|USDA|VA) 8 $2,420,000 $302,500 $12,904 8.20%
RALEIGH-CARY, NC (FHA|USDA|VA) 7 $2,415,000 $345,000 $8,423 7.98%
RENO, NV (FHA|USDA|VA) 2 $2,410,000 $1,205,000 $25,475 7.31%
ASHEVILLE, NC (FHA|USDA|VA) 9 $2,405,000 $267,222 $8,452 8.32%
EL PASO, TX (FHA|USDA|VA) 6 $2,300,000 $383,333 $12,625 8.77%
Kalispell, MT (FHA|USDA|VA) 2 $2,280,000 $1,140,000 $37,585 9.13%
Sevierville, TN (FHA|USDA|VA) 4 $2,110,000 $527,500 $0 8.34%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $2,040,000 $510,000 $0 8.38%
MADERA, CA (FHA|USDA|VA) 7 $2,015,000 $287,857 $14,292 8.36%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $2,000,000 $333,333 $8,069 8.67%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,985,000 $397,000 $10,794 8.98%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $1,975,000 $282,143 $13,915 8.29%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,975,000 $658,333 $12,271 8.13%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 8 $1,910,000 $238,750 $0 8.73%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $1,875,000 $170,455 $7,388 8.09%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $1,835,000 $611,667 $18,062 8.96%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $1,780,000 $296,667 $12,858 8.73%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 5 $1,725,000 $345,000 $16,556 9.25%
GAINESVILLE, GA (FHA|USDA|VA) 3 $1,705,000 $568,333 $35,270 9.79%
SAVANNAH, GA (FHA|USDA|VA) 4 $1,690,000 $422,500 $9,339 7.88%
Kapaa, HI (FHA|USDA|VA) 1 $1,675,000 $1,675,000 $0 7.38%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $1,635,000 $327,000 $11,444 8.60%
DAYTON-KETTERING, OH (FHA|USDA|VA) 7 $1,625,000 $232,143 $11,276 9.61%
TUCSON, AZ (FHA|USDA|VA) 7 $1,565,000 $223,571 $7,726 8.71%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,515,000 $505,000 $14,807 7.67%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $1,500,000 $375,000 $15,791 9.22%
Edwards, CO (FHA|USDA|VA) 2 $1,500,000 $750,000 $15,490 8.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 8 $1,460,000 $182,500 $2,801 9.25%
VISALIA, CA (FHA|USDA|VA) 5 $1,435,000 $287,000 $12,943 9.68%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $1,420,000 $355,000 $14,513 9.50%
SALEM, OR (FHA|USDA|VA) 4 $1,420,000 $355,000 $20,012 8.72%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 8 $1,420,000 $177,500 $8,345 9.50%
Bozeman, MT (FHA|USDA|VA) 2 $1,400,000 $700,000 $0 8.19%
BOULDER, CO (FHA|USDA|VA) 2 $1,360,000 $680,000 $13,217 8.50%
WACO, TX (FHA|USDA|VA) 6 $1,290,000 $215,000 $9,370 8.73%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $1,240,000 $206,667 $11,582 8.92%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $1,215,000 $243,000 $15,505 9.20%
BEND, OR (FHA|USDA|VA) 2 $1,210,000 $605,000 $21,256 6.81%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $1,145,000 $381,667 $6,153 8.13%
Traverse City, MI (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $26,682 8.38%
Payson, AZ (FHA|USDA|VA) 2 $1,130,000 $565,000 $14,676 8.25%
KNOXVILLE, TN (FHA|USDA|VA) 5 $1,125,000 $225,000 $0 9.00%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $1,120,000 $280,000 $10,343 9.13%
Granbury, TX (FHA|USDA|VA) 4 $1,100,000 $275,000 $12,316 8.47%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 5 $1,095,000 $219,000 $19,870 8.65%
GREELEY, CO (FHA|USDA|VA) 3 $1,075,000 $358,333 $9,921 7.21%
Torrington, CT (FHA|USDA|VA) 2 $1,000,000 $500,000 $13,497 8.06%
COLUMBIA, SC (FHA|USDA|VA) 3 $985,000 $328,333 $13,030 8.63%
MEDFORD, OR (FHA|USDA|VA) 3 $975,000 $325,000 $8,872 9.17%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $960,000 $480,000 $15,689 8.13%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $955,000 $191,000 $0 8.18%
REDDING, CA (FHA|USDA|VA) 2 $930,000 $465,000 $24,007 8.50%
LAFAYETTE, LA (FHA|USDA|VA) 3 $925,000 $308,333 $14,788 9.25%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $920,000 $230,000 $9,802 8.34%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $900,000 $450,000 $0 8.81%
TULSA, OK (FHA|USDA|VA) 2 $900,000 $450,000 $6,782 9.13%
GAINESVILLE, FL (FHA|USDA|VA) 2 $870,000 $435,000 $17,213 8.56%
MUSKEGON, MI (FHA|USDA|VA) 1 $845,000 $845,000 $31,923 7.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $830,000 $207,500 $10,841 8.69%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $825,000 $825,000 $0 9.63%
Port Angeles, WA (FHA|USDA|VA) 1 $815,000 $815,000 $23,164 10.00%
SANTA FE, NM (FHA|USDA|VA) 1 $815,000 $815,000 $0 8.00%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $810,000 $405,000 $7,990 10.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $800,000 $400,000 $15,599 7.69%
OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $775,000 $155,000 $8,299 8.90%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $760,000 $190,000 $7,872 8.34%
Shelbyville, TN (FHA|USDA|VA) 1 $745,000 $745,000 $13,518 9.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $705,000 $705,000 $21,589 7.88%
WENATCHEE, WA (FHA|USDA|VA) 3 $705,000 $235,000 $13,537 7.67%
Boone, NC (FHA|USDA|VA) 2 $700,000 $350,000 $13,342 8.50%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $695,000 $139,000 $5,091 8.88%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $675,000 $225,000 $9,720 8.96%
LUBBOCK, TX (FHA|USDA|VA) 4 $660,000 $165,000 $0 7.88%
YAKIMA, WA (FHA|USDA|VA) 2 $660,000 $330,000 $0 9.38%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $645,000 $645,000 $0 9.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $645,000 $215,000 $3,939 8.71%
NAPA, CA (FHA|USDA|VA) 3 $645,000 $215,000 $9,118 8.17%
PITTSBURGH, PA (FHA|USDA|VA) 3 $645,000 $215,000 $0 9.29%
Whitewater, WI (FHA|USDA|VA) 2 $640,000 $320,000 $12,875 8.56%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $625,000 $625,000 $0 8.75%
Alexander City, AL (FHA|USDA|VA) 1 $625,000 $625,000 $0 8.50%
WILMINGTON, NC (FHA|USDA|VA) 1 $605,000 $605,000 $14,255 8.50%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $600,000 $300,000 $14,619 8.88%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $560,000 $140,000 $0 8.78%
BRUNSWICK, GA (FHA|USDA|VA) 1 $555,000 $555,000 $0 6.88%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $555,000 $185,000 $12,481 8.96%
PITTSFIELD, MA (FHA|USDA|VA) 1 $555,000 $555,000 $0 8.13%
Cadillac, MI (FHA|USDA|VA) 1 $545,000 $545,000 $0 8.13%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 4 $540,000 $135,000 $2,852 8.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $525,000 $525,000 $0 9.13%
TERRE HAUTE, IN (FHA|USDA|VA) 4 $520,000 $130,000 $0 9.75%
LOUISVILLE, KY (FHA|USDA|VA) 2 $520,000 $260,000 $6,617 6.69%
ERIE, PA (FHA|USDA|VA) 2 $520,000 $260,000 $12,431 8.56%
Shelton, WA (FHA|USDA|VA) 2 $520,000 $260,000 $14,138 9.44%
ST. CLOUD, MN (FHA|USDA|VA) 4 $510,000 $127,500 $0 9.53%
ROME, GA (FHA|USDA|VA) 2 $510,000 $255,000 $10,852 8.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $495,000 $165,000 $10,934 9.08%
Fredericksburg, TX (FHA|USDA|VA) 1 $485,000 $485,000 $22,290 7.38%
Houghton, MI (FHA|USDA|VA) 1 $485,000 $485,000 $0 8.75%
Glenwood Springs, CO (FHA|USDA|VA) 1 $485,000 $485,000 $8,454 7.88%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $480,000 $240,000 $0 8.19%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $475,000 $158,333 $9,435 9.38%
Shelby, NC (FHA|USDA|VA) 1 $475,000 $475,000 $12,228 5.63%
Outside of Metro Areas 1 $465,000 $465,000 $12,645 9.25%
LOGAN, UT-ID (FHA|USDA|VA) 1 $465,000 $465,000 $10,065 8.00%
CHEYENNE, WY (FHA|USDA|VA) 1 $465,000 $465,000 $14,463 8.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $460,000 $230,000 $0 9.00%
FORT COLLINS, CO (FHA|USDA|VA) 1 $455,000 $455,000 $14,722 9.75%
LONGVIEW, WA (FHA|USDA|VA) 1 $445,000 $445,000 $0 7.88%
Lebanon, NH-VT (FHA|USDA|VA) 1 $435,000 $435,000 $0 8.50%
Rock Springs, WY (FHA|USDA|VA) 1 $435,000 $435,000 $13,301 9.00%
CHICO, CA (FHA|USDA|VA) 1 $425,000 $425,000 $18,149 10.00%
Holland, MI (FHA|USDA|VA) 1 $425,000 $425,000 $0 9.50%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $410,000 $205,000 $0 9.69%
Oak Harbor, WA (FHA|USDA|VA) 1 $405,000 $405,000 $16,815 8.00%
Moses Lake, WA (FHA|USDA|VA) 2 $400,000 $200,000 $0 8.88%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $385,000 $385,000 $15,425 9.50%
Bonham, TX (FHA|USDA|VA) 1 $385,000 $385,000 $13,040 8.13%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $375,000 $375,000 $18,742 8.13%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $375,000 $375,000 $15,844 8.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $375,000 $375,000 $10,882 5.63%
Gainesville, TX (FHA|USDA|VA) 1 $365,000 $365,000 $10,935 9.13%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $360,000 $180,000 $0 8.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $360,000 $180,000 $7,428 8.38%
YUMA, AZ (FHA|USDA|VA) 2 $360,000 $180,000 $0 8.56%
JACKSON, MI (FHA|USDA|VA) 3 $345,000 $115,000 $6,673 9.00%
GRANTS PASS, OR (FHA|USDA|VA) 1 $325,000 $325,000 $13,103 10.38%
Newport, OR (FHA|USDA|VA) 1 $325,000 $325,000 $0 8.13%
IOWA CITY, IA (FHA|USDA|VA) 1 $325,000 $325,000 $13,359 10.88%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $325,000 $325,000 $0 9.38%
ABILENE, TX (FHA|USDA|VA) 1 $305,000 $305,000 $14,147 8.63%
PUEBLO, CO (FHA|USDA|VA) 1 $305,000 $305,000 $12,796 8.25%
SPARTANBURG, SC (FHA|USDA|VA) 1 $305,000 $305,000 $10,271 7.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $295,000 $295,000 $0 8.63%
HAMMOND, LA (FHA|USDA|VA) 1 $295,000 $295,000 $8,689 6.25%
Bellefontaine, OH (FHA|USDA|VA) 1 $295,000 $295,000 $9,461 6.50%
SAN ANGELO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $0 8.50%
DOVER, DE (FHA|USDA|VA) 2 $280,000 $140,000 $0 8.56%
Elko, NV (FHA|USDA|VA) 1 $275,000 $275,000 $11,521 9.38%
Cullman, AL (FHA|USDA|VA) 1 $275,000 $275,000 $0 8.13%
BILLINGS, MT (FHA|USDA|VA) 1 $275,000 $275,000 $0 8.50%
JONESBORO, AR (FHA|USDA|VA) 2 $270,000 $135,000 $0 10.38%
Stephenville, TX (FHA|USDA|VA) 1 $265,000 $265,000 $10,332 7.63%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.75%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 8.63%
YUBA CITY, CA (FHA|USDA|VA) 1 $265,000 $265,000 $7,159 8.63%
Sonora, CA (FHA|USDA|VA) 1 $265,000 $265,000 $0 9.25%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.00%
Wilson, NC (FHA|USDA|VA) 1 $235,000 $235,000 $0 8.75%
GREENVILLE, NC (FHA|USDA|VA) 2 $230,000 $115,000 $0 9.38%
Gillette, WY (FHA|USDA|VA) 1 $225,000 $225,000 $0 9.88%
BISMARCK, ND (FHA|USDA|VA) 1 $225,000 $225,000 $12,344 8.88%
Show Low, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $0 9.75%
Vernal, UT (FHA|USDA|VA) 1 $215,000 $215,000 $11,967 8.13%
Dixon, IL (FHA|USDA|VA) 1 $215,000 $215,000 $9,276 9.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $215,000 $215,000 $0 10.25%
La Grande, OR (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.75%
Brevard, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.88%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $11,361 10.38%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $195,000 $195,000 $10,628 9.00%
RACINE, WI (FHA|USDA|VA) 1 $195,000 $195,000 $0 8.88%
Seneca, SC (FHA|USDA|VA) 1 $195,000 $195,000 $0 8.13%
Clewiston, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 8.38%
DULUTH, MN-WI (FHA|USDA|VA) 1 $195,000 $195,000 $6,203 6.75%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $195,000 $195,000 $8,080 6.25%
Athens, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.88%
Centralia, WA (FHA|USDA|VA) 1 $165,000 $165,000 $5,692 5.75%
WICHITA, KS (FHA|USDA|VA) 1 $165,000 $165,000 $11,035 7.88%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $165,000 $165,000 $0 9.25%
THE VILLAGES, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.63%
Klamath Falls, OR (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.38%
Cornelia, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.25%
Beaver Dam, WI (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.00%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.00%
Henderson, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.00%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $145,000 $145,000 $9,288 8.38%
Ottawa, IL (FHA|USDA|VA) 1 $145,000 $145,000 $0 9.00%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.50%
Aberdeen, WA (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.75%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $135,000 $135,000 $0 9.50%
Georgetown, SC (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.50%
RICHMOND, VA (FHA|USDA|VA) 1 $125,000 $125,000 $0 9.25%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 9.00%
GREEN BAY, WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 9.63%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $125,000 $125,000 $0 9.25%
READING, PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.88%
GOLDSBORO, NC (FHA|USDA|VA) 1 $125,000 $125,000 $8,049 10.88%
Indiana, PA (FHA|USDA|VA) 1 $115,000 $115,000 $6,225 5.88%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.88%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.13%
Craig, CO (FHA|USDA|VA) 1 $115,000 $115,000 $6,472 9.88%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.50%
Danville, KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.00%
BATON ROUGE, LA (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $105,000 $105,000 $6,183 8.38%
Nexera Holding's top markets include Los Angeles, Miami, San Diego, Riverside, and San Francisco among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,758 $1,418,080,000 $514,170 $17,339 8.56%
    FHA 20 $5,160,000 $258,000 $7,970 5.89%
    HELOC 2 $340,000 $170,000 n/a 11.50%

    For 2023, Nexera Holding's most frequently originated type of loan was Conventional, with 2,758 originations. Their 2nd most popular type was FHA, with 20 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,827 $1,000,265,000 $547,490 $17,704 8.51%
    Cash Out Refi 702 $286,760,000 $408,490 $15,214 8.64%
    Refi 251 $136,555,000 $544,044 $17,542 8.48%

    For 2023, Nexera Holding's most frequently cited loan purpose was Home Purchase, with 1,827 originations. The 2nd most popular reason was Cash Out Refi, with 702 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,651 $1,333,985,000 $503,201 $17,024 8.55%
    30+ year 116 $86,220,000 $743,276 $23,210 8.40%
    15 Year 10 $2,720,000 $272,000 $9,388 7.61%
    20 Year 3 $655,000 $218,333 $6,159 9.46%

    For 2023, Nexera Holding's most frequently cited loan duration was 30 Year, with 2,651 originations. The 2nd most popular length was 30+ year, with 116 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,494 $975,870,000 $653,193
    $4k-5k 60 $17,580,000 $293,000
    $3k-4k 37 $12,455,000 $336,622
    $1k-2k 36 $17,960,000 $498,889
    $2k-3k 29 $9,275,000 $319,828
    $<1k 26 $11,580,000 $445,385

    Nexera Holding's average total fees were $17,024, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,494 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 1,907 $874,665,000 $458,660
    7-8% 738 $461,030,000 $624,702
    6-7% 110 $80,430,000 $731,182
    5-6% 25 $7,455,000 $298,200

    During 2023, Nexera Holding's average interest rate for loans was 8.55%, while their most frequently originated rate bucket for loans was Over 8%, with 1,907 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,005 $297,755,000 $296,274 $11,817 8.58%
    $400k-600k 533 $260,275,000 $488,321 $15,650 8.51%
    $100k-200k 504 $73,680,000 $146,190 $8,009 8.88%
    $600k-1MM 437 $336,205,000 $769,348 $20,607 8.32%
    $1MM+ 297 $455,285,000 $1,532,946 $31,579 8.21%
    $100,000 or less 4 $380,000 $95,000 $4,110 8.88%

    2023 saw Nexera Holding place emphasis on $200k-400k loans with 1,005 originations, totaling $297,755,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 867 $735,545,000 $848,379 $21,132 8.45%
    $150k-250k 372 $176,470,000 $474,382 $15,013 8.47%
    $100k-150k 248 $84,810,000 $341,976 $12,463 8.51%
    $75k-100k 103 $28,325,000 $275,000 $10,744 8.35%
    $50k-75k 74 $16,720,000 $225,946 $10,177 8.38%
    $50k or less 19 $2,955,000 $155,526 $7,304 8.55%

    Nexera Holding lent most frequently to those with incomes in the $250k+ range, with 867 originations. The second most popular income band? $150k-250k, with 372 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 303 $184,045,000 $607,409 $17,234 8.54%
    20-30% 262 $168,490,000 $643,092 $18,448 8.45%
    30-36% 204 $120,340,000 $589,902 $16,544 8.32%
    49% 115 $70,005,000 $608,739 $17,600 8.31%
    44% 89 $70,445,000 $791,517 $19,570 8.52%
    42% 72 $46,150,000 $640,972 $17,911 8.54%
    48% 72 $44,460,000 $617,500 $14,739 8.60%
    43% 66 $44,250,000 $670,455 $16,214 8.30%
    47% 64 $36,570,000 $571,406 $15,134 8.52%
    41% 63 $38,685,000 $614,048 $16,489 8.51%
    45% 60 $34,490,000 $574,833 $17,467 8.63%
    36% 56 $32,480,000 $580,000 $17,853 8.61%
    38% 53 $31,765,000 $599,340 $18,279 8.62%
    46% 53 $25,595,000 $482,925 $15,511 8.61%
    39% 50 $33,170,000 $663,400 $16,269 8.26%
    40% 45 $27,965,000 $621,444 $17,559 8.55%
    37% 41 $30,005,000 $731,829 $18,455 8.17%
    50-60% 16 $6,150,000 $384,375 $11,948 7.40%

    Nexera Holding lent most frequently to those with DTI ratios of <20%, with 303 originations. The next most common DTI ratio? 20-30%, with 262 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,616 $820,270,000 $507,593 $17,168 8.53%
    Not provided 698 $376,450,000 $539,327 $17,316 8.53%
    Asian 255 $142,565,000 $559,078 $17,411 8.41%
    Black 163 $64,815,000 $397,638 $17,704 8.91%
    American Indian 32 $11,500,000 $359,375 $15,491 8.46%
    Native Hawaiian or Islander 9 $4,865,000 $540,556 $19,948 8.40%
    Asian Indian 3 $1,245,000 $415,000 $13,184 8.46%
    Vietnamese 2 $1,220,000 $610,000 $0 9.38%
    Other Asian 1 $365,000 $365,000 $6,871 10.63%
    Chinese 1 $285,000 $285,000 $0 7.13%

    Approval Rates

    Total approvals of all applications
    94.18%

    Nexera Holding has an average approval rate.

    Pick Rate

    Approvals leading to origination
    2.84%

    Nexera Holding 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
    NA 2,780 $1,423,580,000 $512,079

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,780 $1,423,580,000 $512,079

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 113 $43,425,000 $384,292 $11,813 8.27%
    40-60% 337 $153,275,000 $454,822 $15,648 8.12%
    60-80% 1,627 $809,265,000 $497,397 $17,299 8.55%
    80-100% 670 $410,830,000 $613,179 $18,616 8.75%
    Under 20% 33 $6,785,000 $205,606 $7,422 8.83%