James B. Nutter & Company Mortgage Rates, Fees & Info

Jefferson City, MO

LEI: 549300EXQ4TO1KWRTV95

Tax ID: 44-0607186

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

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    • Review & Overview

    James B. Nutter & Company is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. James B. Nutter & Company has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Kansas City, Dallas, St. Louis, Atlanta, and Houston among others. We have data for 163 markets. (Some data included below & more in-depth data is available with an active subscription.)

    James B. Nutter & Company 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. James B. Nutter & Company is typically a low 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.

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

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.71% 12/25/24
    30 Year Conventional Refi 6.80% 12/25/24
    30 Year Cash-out Refi 7.05% 12/25/24
    30 Year FHA Purchase 6.94% 12/25/24
    30 Year FHA Refi 6.74% 12/25/24
    30 Year VA Purchase 6.01% 12/25/24
    30 Year VA Refi 5.52% 12/25/24
    30 Year USDA Purchase 5.33% 12/25/24
    15 Year Conventional Purchase 5.43% 12/25/24
    15 Year Conventional Refi 6.41% 12/25/24
    15 Year Cash-out Refi 6.41% 12/25/24
    15 Year FHA Refi 5.68% 12/25/24
    15 Year VA Purchase 5.87% 12/25/24
    15 Year VA Refi 5.68% 12/25/24
    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.

    James B. Nutter & Company Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from James B. Nutter & Company. 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

    858

    Origination Dollar Volume (All Markets)

    $158,880,000
    Show all (6) awards

    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
    KANSAS CITY, MO-KS (FHA|USDA|VA) 409 $70,145,000 $171,504 $3,251 4.51%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 43 $7,745,000 $180,116 $3,938 4.46%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 17 $4,025,000 $236,765 $5,081 4.36%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 19 $3,565,000 $187,632 $2,886 4.32%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 23 $3,455,000 $150,217 $3,846 4.36%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 14 $2,870,000 $205,000 $3,750 4.49%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 12 $2,830,000 $235,833 $5,596 4.11%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 9 $2,315,000 $257,222 $5,247 4.53%
    Outside of Metro Areas 13 $2,225,000 $171,154 $3,009 4.50%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 9 $1,785,000 $198,333 $3,409 4.18%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 5 $1,725,000 $345,000 $2,542 3.83%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 7 $1,725,000 $246,429 $5,688 4.46%
    ALBUQUERQUE, NM (FHA|USDA|VA) 8 $1,710,000 $213,750 $3,601 4.20%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $1,680,000 $210,000 $6,341 4.27%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 9 $1,535,000 $170,556 $3,989 4.44%
    Warrensburg, MO (FHA|USDA|VA) 7 $1,385,000 $197,857 $3,826 4.50%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $1,375,000 $196,429 $3,958 4.45%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,095,000 $156,429 $5,201 4.48%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $1,095,000 $156,429 $3,416 4.11%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,020,000 $255,000 $3,951 3.84%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $960,000 $160,000 $3,610 4.50%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $930,000 $232,500 $5,938 4.13%
    RALEIGH-CARY, NC (FHA|USDA|VA) 4 $860,000 $215,000 $8,688 4.19%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $860,000 $430,000 $2,680 3.69%
    JACKSONVILLE, FL (FHA|USDA|VA) 3 $815,000 $271,667 $10,267 3.88%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $800,000 $200,000 $3,910 4.75%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $760,000 $380,000 $8,670 4.63%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $760,000 $190,000 $7,035 4.53%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $755,000 $251,667 $9,715 3.96%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $750,000 $375,000 $9,799 3.88%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $710,000 $355,000 $1,794 4.75%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $705,000 $235,000 $6,933 4.42%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $670,000 $335,000 $7,572 3.69%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $640,000 $160,000 $4,139 4.19%
    TOPEKA, KS (FHA|USDA|VA) 3 $615,000 $205,000 $1,619 4.38%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $605,000 $605,000 $23,507 4.00%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $585,000 $195,000 $5,413 4.21%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $585,000 $195,000 $4,936 4.00%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $560,000 $280,000 $4,217 4.31%
    BOISE CITY, ID (FHA|USDA|VA) 2 $560,000 $280,000 $5,080 3.88%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $560,000 $280,000 $3,662 4.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $555,000 $185,000 $4,091 4.54%
    Outside of Metro Areas 1 $525,000 $525,000 $10,183 4.00%
    CHICO, CA (FHA|USDA|VA) 1 $505,000 $505,000 $11,944 4.25%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $490,000 $245,000 $7,510 4.25%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $475,000 $158,333 $5,433 4.46%
    PUNTA GORDA, FL (FHA|USDA|VA) 3 $475,000 $158,333 $3,808 4.17%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $460,000 $230,000 $5,965 4.31%
    KNOXVILLE, TN (FHA|USDA|VA) 3 $455,000 $151,667 $3,045 4.83%
    PUEBLO, CO (FHA|USDA|VA) 2 $430,000 $215,000 $2,492 4.25%
    Crawfordsville, IN (FHA|USDA|VA) 2 $420,000 $210,000 $7,802 4.00%
    Fernley, NV (FHA|USDA|VA) 2 $410,000 $205,000 $4,399 3.69%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $410,000 $205,000 $9,660 4.13%
    WILMINGTON, NC (FHA|USDA|VA) 1 $405,000 $405,000 $12,143 3.75%
    JOPLIN, MO (FHA|USDA|VA) 2 $400,000 $200,000 $2,649 4.69%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $400,000 $200,000 $6,003 4.13%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $380,000 $190,000 $3,560 4.06%
    SALEM, OR (FHA|USDA|VA) 2 $380,000 $190,000 $2,994 4.13%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $375,000 $125,000 $2,720 3.96%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $375,000 $125,000 $2,022 3.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $375,000 $375,000 $2,343 4.00%
    TUCSON, AZ (FHA|USDA|VA) 2 $370,000 $185,000 $5,195 4.00%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $355,000 $355,000 $3,885 4.25%
    Pittsburg, KS (FHA|USDA|VA) 2 $350,000 $175,000 $3,808 4.38%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $350,000 $175,000 $3,831 4.13%
    COLUMBUS, OH (FHA|USDA|VA) 3 $345,000 $115,000 $2,852 4.71%
    LAWRENCE, KS (FHA|USDA|VA) 2 $340,000 $170,000 $2,369 4.13%
    Dublin, GA (FHA|USDA|VA) 1 $325,000 $325,000 $4,386 4.00%
    Clearlake, CA (FHA|USDA|VA) 1 $325,000 $325,000 $14,846 4.25%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $320,000 $160,000 $2,844 4.25%
    Aberdeen, WA (FHA|USDA|VA) 1 $305,000 $305,000 $2,607 4.25%
    JACKSON, TN (FHA|USDA|VA) 1 $305,000 $305,000 $3,925 3.88%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $285,000 $285,000 $13,348 4.25%
    Bennettsville, SC (FHA|USDA|VA) 1 $285,000 $285,000 $1,920 4.00%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $270,000 $135,000 $3,228 5.00%
    WICHITA, KS (FHA|USDA|VA) 2 $270,000 $135,000 $1,660 3.88%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $265,000 $265,000 $1,762 4.13%
    Norfolk, NE (FHA|USDA|VA) 1 $265,000 $265,000 $2,654 4.75%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $255,000 $255,000 $11,048 3.88%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $255,000 $255,000 $2,317 4.13%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $255,000 $255,000 $5,201 4.63%
    Cullowhee, NC (FHA|USDA|VA) 1 $255,000 $255,000 $4,263 4.25%
    Moses Lake, WA (FHA|USDA|VA) 1 $255,000 $255,000 $1,863 3.50%
    Richmond, IN (FHA|USDA|VA) 1 $255,000 $255,000 $1,452 4.13%
    RICHMOND, VA (FHA|USDA|VA) 2 $250,000 $125,000 $1,925 4.25%
    SANTA FE, NM (FHA|USDA|VA) 1 $245,000 $245,000 $2,569 3.50%
    SAVANNAH, GA (FHA|USDA|VA) 1 $245,000 $245,000 $949 3.88%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $240,000 $120,000 $2,720 4.25%
    ROCKFORD, IL (FHA|USDA|VA) 2 $240,000 $120,000 $1,849 4.31%
    CHEYENNE, WY (FHA|USDA|VA) 1 $235,000 $235,000 $9,207 4.25%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $9,355 4.75%
    Glasgow, KY (FHA|USDA|VA) 1 $235,000 $235,000 $1,906 4.25%
    Lewisburg, PA (FHA|USDA|VA) 1 $235,000 $235,000 $2,529 4.13%
    FRESNO, CA (FHA|USDA|VA) 1 $235,000 $235,000 $3,213 3.75%
    MEDFORD, OR (FHA|USDA|VA) 1 $225,000 $225,000 $3,812 3.88%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $225,000 $225,000 $2,922 4.88%
    RENO, NV (FHA|USDA|VA) 1 $225,000 $225,000 $2,617 4.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $220,000 $110,000 $3,016 4.31%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $215,000 $215,000 $10,556 4.25%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $205,000 $205,000 $5,400 4.25%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $205,000 $205,000 $10,355 3.63%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $205,000 $205,000 $1,863 4.00%
    Kerrville, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,479 4.25%
    JACKSON, MS (FHA|USDA|VA) 1 $195,000 $195,000 $2,869 4.25%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $195,000 $195,000 $6,324 4.38%
    Shelton, WA (FHA|USDA|VA) 1 $195,000 $195,000 $9,722 4.25%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $5,975 4.00%
    REDDING, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,101 4.38%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $190,000 $95,000 $1,876 4.44%
    COLUMBIA, SC (FHA|USDA|VA) 2 $190,000 $95,000 $2,458 3.94%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $185,000 $185,000 $7,161 4.25%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $185,000 $185,000 $5,873 4.25%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,930 4.25%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $185,000 $185,000 $1,320 3.50%
    Sandpoint, ID (FHA|USDA|VA) 1 $185,000 $185,000 $6,960 3.50%
    Kearney, NE (FHA|USDA|VA) 1 $185,000 $185,000 $2,372 4.63%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $4,012 5.38%
    TYLER, TX (FHA|USDA|VA) 1 $185,000 $185,000 $7,330 4.00%
    VICTORIA, TX (FHA|USDA|VA) 1 $185,000 $185,000 $1,379 4.00%
    Helena, MT (FHA|USDA|VA) 1 $175,000 $175,000 $9,559 4.38%
    Malvern, AR (FHA|USDA|VA) 1 $175,000 $175,000 $5,001 3.88%
    Pella, IA (FHA|USDA|VA) 1 $175,000 $175,000 $3,955 4.88%
    Elko, NV (FHA|USDA|VA) 1 $175,000 $175,000 $2,925 4.38%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $175,000 $175,000 $1,390 4.00%
    HARRISONBURG, VA (FHA|USDA|VA) 1 $175,000 $175,000 $2,368 4.63%
    COLUMBIA, MO (FHA|USDA|VA) 1 $175,000 $175,000 $1,929 4.63%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $165,000 $165,000 $3,511 3.75%
    Tahlequah, OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,242 4.88%
    READING, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,229 4.50%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $155,000 $155,000 $2,433 5.13%
    Cornelia, GA (FHA|USDA|VA) 1 $155,000 $155,000 $1,838 3.38%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $155,000 $155,000 $8,845 4.38%
    LINCOLN, NE (FHA|USDA|VA) 1 $155,000 $155,000 $2,751 4.25%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,575 3.75%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,549 4.00%
    Crossville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $3,971 3.88%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $150,000 $75,000 $1,087 4.19%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,177 4.63%
    Ruidoso, NM (FHA|USDA|VA) 1 $145,000 $145,000 $3,700 3.50%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $145,000 $145,000 $3,724 4.00%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $145,000 $145,000 $1,306 3.38%
    Sunbury, PA (FHA|USDA|VA) 1 $145,000 $145,000 $5,775 4.50%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $135,000 $135,000 $1,950 4.25%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,317 3.88%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,264 4.38%
    Jacksonville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,155 4.63%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $125,000 $125,000 $1,601 4.00%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $125,000 $125,000 $5,076 4.88%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $105,000 $105,000 $1,981 4.88%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,216 4.88%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $105,000 $105,000 $2,261 4.75%
    EL PASO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,109 5.25%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $85,000 $85,000 $4,060 4.63%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $85,000 $85,000 $2,347 4.75%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $85,000 $85,000 $2,930 4.50%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $85,000 $85,000 $4,357 4.25%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $75,000 $75,000 $1,878 4.00%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $75,000 $75,000 $2,073 3.50%
    Sedalia, MO (FHA|USDA|VA) 1 $75,000 $75,000 $3,413 4.88%
    TOLEDO, OH (FHA|USDA|VA) 1 $55,000 $55,000 $3,134 4.63%
    Connersville, IN (FHA|USDA|VA) 1 $55,000 $55,000 $1,466 4.88%
    MONROE, MI (FHA|USDA|VA) 1 $55,000 $55,000 $733 3.88%
    Danville, KY (FHA|USDA|VA) 1 $45,000 $45,000 $1,994 4.88%
    James B. Nutter & Company's top markets include Kansas City, Dallas, St. Louis, Atlanta, and Houston among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 464 $80,450,000 $173,384 $2,777 4.70%
    VA 198 $48,440,000 $244,646 $5,586 4.01%
    FHA 196 $29,990,000 $153,010 $4,499 4.09%

    For 2018, James B. Nutter & Company's most frequently originated type of loan was Conventional, with 464 originations. Their 2nd most popular type was VA, with 198 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 424 $74,010,000 $174,552 $3,919 4.44%
    Home Purchase 280 $59,170,000 $211,321 $4,355 4.49%
    Refi 117 $18,565,000 $158,675 $2,122 4.10%
    Home Improvement 37 $7,135,000 $192,838 $3,971 4.17%

    For 2018, James B. Nutter & Company's most frequently cited loan purpose was Cash Out Refi, with 424 originations. The 2nd most popular reason was Home Purchase, with 280 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 642 $128,270,000 $199,798 $4,208 4.44%
    15 Year 143 $20,505,000 $143,392 $2,764 4.19%
    20 Year 32 $4,890,000 $152,813 $2,537 4.55%
    10 Year 26 $3,350,000 $128,846 $2,276 4.33%
    Other 15 $1,865,000 $124,333 $2,608 4.51%

    For 2018, James B. Nutter & Company's most frequently cited loan duration was 30 Year, with 642 originations. The 2nd most popular length was 15 Year, with 143 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 364 $48,700,000 $133,791
    $1k-2k 272 $59,340,000 $218,162
    $2k-3k 36 $10,230,000 $284,167
    $3k-4k 13 $4,735,000 $364,231
    $5k+ 1 $405,000 $405,000

    James B. Nutter & Company's average total fees were $4,208, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 364 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 519 $93,665,000 $180,472
    3-4% 249 $53,365,000 $214,317
    5-6% 86 $11,240,000 $130,698
    2.5-3% 2 $460,000 $230,000
    6-7% 2 $150,000 $75,000

    During 2018, James B. Nutter & Company's average interest rate for loans was 4.44%, while their most frequently originated rate bucket for loans was 4-5%, with 519 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 442 $65,760,000 $148,778 $3,312 4.43%
    $200k-400k 277 $72,395,000 $261,354 $4,865 4.27%
    $100,000 or less 114 $8,590,000 $75,351 $2,269 4.66%
    $400k-600k 22 $9,930,000 $451,364 $7,919 4.18%
    $600k-1MM 3 $2,205,000 $735,000 $10,761 3.88%

    2018 saw James B. Nutter & Company place emphasis on $100k-200k loans with 442 originations, totaling $65,760,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 200 $42,960,000 $214,800 $4,014 4.45%
    $50k-75k 199 $31,845,000 $160,025 $3,672 4.48%
    $75k-100k 187 $35,045,000 $187,406 $4,065 4.38%
    $50k or less 186 $25,000,000 $134,409 $2,965 4.32%
    $150k-250k 77 $20,635,000 $267,987 $4,735 4.35%
    $250k+ 9 $3,395,000 $377,222 $7,392 4.06%

    James B. Nutter & Company lent most frequently to those with incomes in the $100k-150k range, with 200 originations. The second most popular income band? $50k-75k, with 199 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 77 $13,635,000 $177,078 $3,323 4.32%
    30-36% 56 $10,660,000 $190,357 $3,718 4.25%
    <20% 23 $3,895,000 $169,348 $2,306 4.28%
    50-60% 17 $3,915,000 $230,294 $5,375 4.07%
    41% 14 $2,160,000 $154,286 $3,435 4.05%
    47% 13 $2,115,000 $162,692 $3,507 4.25%
    48% 13 $2,635,000 $202,692 $5,881 4.25%
    40% 12 $2,020,000 $168,333 $3,545 4.18%
    37% 11 $2,105,000 $191,364 $3,591 4.53%
    38% 10 $1,740,000 $174,000 $3,763 4.03%
    39% 10 $1,560,000 $156,000 $4,302 4.54%
    >60% 9 $1,895,000 $210,556 $3,268 4.11%
    42% 8 $1,250,000 $156,250 $3,468 4.50%
    46% 8 $1,420,000 $177,500 $5,177 4.36%
    49% 7 $1,225,000 $175,000 $3,885 4.32%
    43% 7 $1,255,000 $179,286 $3,417 4.16%
    44% 7 $945,000 $135,000 $2,762 4.23%
    45% 6 $1,490,000 $248,333 $3,620 3.73%
    36% 6 $1,190,000 $198,333 $2,552 4.65%

    James B. Nutter & Company lent most frequently to those with DTI ratios of 20-30%, with 77 originations. The next most common DTI ratio? 30-36%, with 56 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 746 $138,410,000 $185,536 $3,830 4.42%
    Black 70 $12,640,000 $180,571 $3,952 4.32%
    Not provided 22 $4,110,000 $186,818 $3,029 4.10%
    American Indian 10 $2,250,000 $225,000 $4,702 4.30%
    Asian 6 $830,000 $138,333 $2,379 4.31%
    Asian Indian 1 $255,000 $255,000 $3,327 3.88%
    Japanese 1 $135,000 $135,000 $4,371 4.63%
    Other Asian 1 $125,000 $125,000 $2,299 3.88%
    Native Hawaiian or Islander 1 $125,000 $125,000 $4,298 4.00%

    Approval Rates

    Total approvals of all applications
    83.77%

    James B. Nutter & Company has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    43.71%

    James B. Nutter & Company 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 858 $158,880,000 $185,175

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 15 $2,295,000 $153,000
    Single Family (1-4 Units):Site-Built 843 $156,585,000 $185,747

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 35 $3,675,000 $105,000 $2,299 4.66%
    40-60% 84 $12,340,000 $146,905 $2,554 4.40%
    60-80% 304 $51,530,000 $169,507 $3,222 4.57%
    80-100% 432 $90,970,000 $210,579 $4,625 4.26%
    Over 100% 1 $185,000 $185,000 $422 3.88%
    Under 20% 2 $180,000 $90,000 $1,650 4.75%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    JAMES B. NUTTER & COMPANY Conventional home mortgage Struggling to pay mortgage 1 12.5%
    JAMES B. NUTTER & COMPANY FHA mortgage Trouble during payment process 1 12.5%
    JAMES B. NUTTER & COMPANY Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 12.5%
    JAMES B. NUTTER & COMPANY Other type of mortgage Closing on a mortgage 1 12.5%
    JAMES B. NUTTER & COMPANY Reverse mortgage Closing on a mortgage 2 25.0%
    JAMES B. NUTTER & COMPANY Reverse mortgage Trouble during payment process 2 25.0%