Nexera Holding Mortgage Rates, Fees & Info
DOVER, DELEI: 549300EKFFG3BU8DNX74
Tax ID: 46-5671661
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Mortgage Data
Review & Overview
Nexera Holding is a small mortgage company specializing in Refi, Cash Out Refi, and Home Purchase 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, San Francisco, Riverside, San Diego, and Phoenix among others. We have data for 110 markets. (Some data included below & more in-depth data is available with an active subscription.)Nexera Holding has an 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 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 |
|---|---|---|
| 30 Year Conventional Purchase | 8.46% | 4/21/24 |
| 30 Year Conventional Refi | 7.39% | 4/21/24 |
| 30 Year Cash-out Refi | 7.69% | 4/21/24 |
| 30 Year FHA Purchase | 7.12% | 4/21/24 |
| 30 Year FHA Refi | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 8.62% | 4/21/24 |
| 15 Year Conventional Refi | 5.45% | 4/21/24 |
| 15 Year Cash-out Refi | 5.45% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,422Origination Dollar Volume (All Markets)
$1,122,660,000Awards
NEXERA HOLDING - 2020
NEXERA HOLDING is a 2020 , due to their low .
For 2020, 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 535 | $304,955,000 | $570,009 | $7,629 | 3.35% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 237 | $133,865,000 | $564,831 | $5,597 | 3.28% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 159 | $66,785,000 | $420,031 | $6,715 | 3.23% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 114 | $61,370,000 | $538,333 | $7,110 | 3.41% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 162 | $58,770,000 | $362,778 | $5,021 | 3.49% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 95 | $42,425,000 | $446,579 | $7,422 | 3.23% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 95 | $41,255,000 | $434,263 | $6,417 | 3.19% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 93 | $38,145,000 | $410,161 | $3,773 | 3.07% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 69 | $29,035,000 | $420,797 | $8,803 | 3.24% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 52 | $28,880,000 | $555,385 | $5,070 | 3.34% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 70 | $28,640,000 | $409,143 | $9,506 | 3.27% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 77 | $26,465,000 | $343,701 | $4,908 | 3.07% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 39 | $18,355,000 | $470,641 | $6,056 | 3.19% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 39 | $17,325,000 | $444,231 | $4,870 | 3.29% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 37 | $16,175,000 | $437,162 | $3,211 | 3.14% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 38 | $15,120,000 | $397,895 | $4,045 | 3.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 25 | $10,715,000 | $428,600 | $9,844 | 3.30% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 26 | $9,210,000 | $354,231 | $4,653 | 3.25% |
| VALLEJO, CA (FHA|USDA|VA) | 24 | $9,140,000 | $380,833 | $5,554 | 3.51% |
| STOCKTON, CA (FHA|USDA|VA) | 23 | $9,035,000 | $392,826 | $4,125 | 3.14% |
| Heber, UT (FHA|USDA|VA) | 15 | $7,005,000 | $467,000 | $8,180 | 3.21% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 20 | $6,560,000 | $328,000 | $8,299 | 3.36% |
| Outside of Metro Areas | 18 | $6,400,000 | $355,556 | $5,816 | 3.24% |
| PROVO-OREM, UT (FHA|USDA|VA) | 14 | $6,150,000 | $439,286 | $8,613 | 3.39% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 14 | $5,910,000 | $422,143 | $7,371 | 3.36% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 18 | $5,610,000 | $311,667 | $4,433 | 3.13% |
| SALINAS, CA (FHA|USDA|VA) | 12 | $5,470,000 | $455,833 | $7,634 | 3.15% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 7 | $5,275,000 | $753,571 | $5,946 | 3.30% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 11 | $5,255,000 | $477,727 | $6,967 | 2.95% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $4,970,000 | $355,000 | $7,996 | 2.76% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 10 | $4,070,000 | $407,000 | $3,117 | 3.01% |
| FRESNO, CA (FHA|USDA|VA) | 14 | $3,560,000 | $254,286 | $7,132 | 3.72% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 6 | $3,530,000 | $588,333 | $8,146 | 3.17% |
| BOULDER, CO (FHA|USDA|VA) | 7 | $3,405,000 | $486,429 | $4,164 | 3.11% |
| NAPA, CA (FHA|USDA|VA) | 7 | $3,275,000 | $467,857 | $5,683 | 3.13% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 8 | $3,230,000 | $403,750 | $2,699 | 3.05% |
| GREELEY, CO (FHA|USDA|VA) | 10 | $3,210,000 | $321,000 | $5,870 | 3.40% |
| MEDFORD, OR (FHA|USDA|VA) | 9 | $3,145,000 | $349,444 | $3,611 | 3.07% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 11 | $3,075,000 | $279,545 | $5,230 | 3.15% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $2,810,000 | $351,250 | $3,500 | 2.73% |
| Edwards, CO (FHA|USDA|VA) | 4 | $2,700,000 | $675,000 | $11,992 | 3.53% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $2,560,000 | $320,000 | $5,162 | 3.59% |
| ST. GEORGE, UT (FHA|USDA|VA) | 4 | $2,530,000 | $632,500 | $14,174 | 2.88% |
| MODESTO, CA (FHA|USDA|VA) | 8 | $2,390,000 | $298,750 | $5,584 | 3.70% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $2,280,000 | $380,000 | $8,896 | 3.19% |
| COLUMBUS, OH (FHA|USDA|VA) | 6 | $2,250,000 | $375,000 | $2,318 | 2.92% |
| Ukiah, CA (FHA|USDA|VA) | 3 | $2,245,000 | $748,333 | $5,739 | 3.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $2,210,000 | $368,333 | $7,296 | 3.90% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $2,190,000 | $273,750 | $4,309 | 4.14% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $2,045,000 | $681,667 | $15,909 | 3.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $1,905,000 | $272,143 | $6,969 | 2.91% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $1,895,000 | $379,000 | $4,254 | 3.38% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,880,000 | $940,000 | $17,747 | 3.13% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $5,523 | 3.05% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $4,885 | 3.69% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,445,000 | $481,667 | $9,135 | 3.50% |
| MERCED, CA (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $4,321 | 3.41% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $5,824 | 3.20% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $2,455 | 2.91% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $3,299 | 2.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $2,417 | 3.25% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $4,760 | 3.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $2,443 | 3.67% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $5,171 | 3.00% |
| CHICO, CA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $5,882 | 3.38% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $5,608 | 3.21% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $2,522 | 2.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $16,132 | 2.88% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,686 | 2.81% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,482 | 3.19% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,072 | 2.31% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,323 | 3.06% |
| SALEM, OR (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $5,934 | 2.38% |
| MADERA, CA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $6,769 | 3.31% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,809 | 4.08% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $4,725 | 3.13% |
| REDDING, CA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,431 | 2.75% |
| LOGAN, UT-ID (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,559 | 3.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,018 | 3.44% |
| Payson, AZ (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $7,806 | 3.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,951 | 3.50% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,996 | 2.63% |
| TYLER, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,235 | 2.88% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,025 | 3.00% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,994 | 2.88% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $15,171 | 2.75% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,307 | 3.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,709 | 3.31% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,372 | 3.25% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,959 | 3.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,302 | 3.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,081 | 3.13% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,372 | 3.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,694 | 2.75% |
| Shelton, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,144 | 2.88% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,161 | 2.75% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,822 | 3.81% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,469 | 2.88% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,897 | 3.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,562 | 3.75% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,804 | 2.88% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,327 | 4.88% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,014 | 3.25% |
| Wooster, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,944 | 2.75% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,444 | 3.00% |
| Findlay, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,112 | 3.25% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,845 | 3.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,348 | 3.63% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,892 | 2.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,278 | 3.50% |
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Product Mix
For 2020, Nexera Holding's most frequently originated type of loan was Conventional, with 2,264 originations. Their 2nd most popular type was FHA, with 127 originations.
Loan Reason
For 2020, Nexera Holding's most frequently cited loan purpose was Refi, with 1,233 originations. The 2nd most popular reason was Cash Out Refi, with 723 originations.
Loan Duration/Length
For 2020, Nexera Holding's most frequently cited loan duration was 30 Year, with 2,223 originations. The 2nd most popular length was 15 Year, with 124 originations.
Origination Fees/Closing Costs
Nexera Holding's average total fees were $6,467, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 672 originations.
Interest Rates
During 2020, Nexera Holding's average interest rate for loans was 3.28%, while their most frequently originated rate bucket for loans was 3-4%, with 1,081 originations.
Loan Sizing
2020 saw Nexera Holding place emphasis on $200k-400k loans with 1,009 originations, totaling $323,205,000 in origination value.
Applicant Income
Nexera Holding lent most frequently to those with incomes in the $100k-150k range, with 677 originations. The second most popular income band? $150k-250k, with 598 originations.
Applicant Debt to Income Ratio
Nexera Holding lent most frequently to those with DTI ratios of 20-30%, with 545 originations. The next most common DTI ratio? 30-36%, with 422 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.00%
Nexera Holding has an average approval rate.
Pick Rate
Approvals leading to origination56.48%
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 | 2,422 | $1,122,660,000 | $463,526 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 2,422 | $1,122,660,000 | $463,526 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Nexera Holding LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |