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

Jefferson City, MO

LEI: 549300EXQ4TO1KWRTV95

Tax ID: 44-0607186

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Mortgage Data

Review & Overview

James B. Nutter & Company is a smaller mortgage company specializing in Refi loans. James B. Nutter & Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, Dallas, Washington, Atlanta, and Houston among others. We have data for 305 markets. (Some data included below & more in-depth data is available with an active subscription.)

James B. Nutter & Company 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. 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% 1/1/25
30 Year Conventional Refi 6.80% 1/1/25
30 Year Cash-out Refi 7.05% 1/1/25
30 Year FHA Purchase 6.94% 1/1/25
30 Year FHA Refi 6.74% 1/1/25
30 Year VA Purchase 6.01% 1/1/25
30 Year VA Refi 5.52% 1/1/25
30 Year USDA Purchase 5.33% 1/1/25
15 Year Conventional Purchase 5.43% 1/1/25
15 Year Conventional Refi 6.41% 1/1/25
15 Year Cash-out Refi 6.41% 1/1/25
15 Year FHA Refi 5.68% 1/1/25
15 Year VA Purchase 5.87% 1/1/25
15 Year VA Refi 5.68% 1/1/25
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

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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

2,778

Origination Dollar Volume (All Markets)

$644,090,000
Show all (40) 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) 985 $205,275,000 $208,401 $2,997 3.36%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 95 $21,455,000 $225,842 $4,034 3.48%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 58 $20,620,000 $355,517 $3,628 3.08%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 68 $15,880,000 $233,529 $3,559 3.21%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 66 $15,600,000 $236,364 $3,879 3.34%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 51 $12,265,000 $240,490 $3,709 3.07%
Outside of Metro Areas 52 $11,580,000 $222,692 $2,980 3.18%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 40 $10,880,000 $272,000 $3,975 3.03%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 41 $10,295,000 $251,098 $2,851 3.06%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 40 $8,900,000 $222,500 $3,674 3.19%
ST. LOUIS, MO-IL (FHA|USDA|VA) 41 $8,775,000 $214,024 $3,093 3.19%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 33 $8,585,000 $260,152 $4,421 3.15%
JACKSONVILLE, FL (FHA|USDA|VA) 35 $8,265,000 $236,143 $3,670 3.15%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 29 $8,015,000 $276,379 $2,898 3.17%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 31 $8,005,000 $258,226 $3,609 3.08%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 30 $7,820,000 $260,667 $2,286 3.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 30 $7,250,000 $241,667 $3,206 3.18%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 26 $7,060,000 $271,538 $4,125 3.16%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 25 $6,995,000 $279,800 $4,138 3.18%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 23 $6,855,000 $298,043 $4,965 3.10%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 19 $6,555,000 $345,000 $4,376 3.02%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 21 $6,455,000 $307,381 $3,345 3.09%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 25 $5,755,000 $230,200 $2,391 3.06%
OKLAHOMA CITY, OK (FHA|USDA|VA) 24 $5,250,000 $218,750 $3,548 3.42%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 14 $4,450,000 $317,857 $4,951 3.08%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 16 $4,390,000 $274,375 $4,149 2.98%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 16 $4,380,000 $273,750 $3,436 3.13%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 11 $4,015,000 $365,000 $3,313 2.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 15 $3,975,000 $265,000 $3,782 3.08%
BOISE CITY, ID (FHA|USDA|VA) 14 $3,790,000 $270,714 $3,533 3.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 19 $3,705,000 $195,000 $4,157 3.34%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 14 $3,640,000 $260,000 $3,248 3.10%
VALLEJO, CA (FHA|USDA|VA) 8 $3,600,000 $450,000 $4,515 3.09%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 14 $3,490,000 $249,286 $3,756 3.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 14 $3,260,000 $232,857 $3,587 3.10%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 11 $2,965,000 $269,545 $3,141 3.07%
RICHMOND, VA (FHA|USDA|VA) 11 $2,795,000 $254,091 $2,823 3.20%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 7 $2,775,000 $396,429 $2,549 3.07%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 11 $2,685,000 $244,091 $5,176 3.06%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 13 $2,675,000 $205,769 $3,457 3.26%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 14 $2,590,000 $185,000 $2,007 3.33%
RALEIGH-CARY, NC (FHA|USDA|VA) 12 $2,590,000 $215,833 $2,432 3.25%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 13 $2,395,000 $184,231 $1,928 3.20%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 10 $2,370,000 $237,000 $2,909 3.24%
TUCSON, AZ (FHA|USDA|VA) 11 $2,355,000 $214,091 $2,362 3.16%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $2,305,000 $209,545 $3,585 3.19%
LOUISVILLE, KY (FHA|USDA|VA) 12 $2,260,000 $188,333 $2,323 3.31%
COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $2,210,000 $276,250 $3,190 3.09%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 10 $2,210,000 $221,000 $3,464 3.11%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 10 $2,180,000 $218,000 $3,578 3.19%
SALEM, OR (FHA|USDA|VA) 8 $2,010,000 $251,250 $3,920 3.27%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 9 $1,925,000 $213,889 $2,055 3.03%
WICHITA, KS (FHA|USDA|VA) 11 $1,905,000 $173,182 $2,043 3.34%
SALT LAKE CITY, UT (FHA|USDA|VA) 6 $1,820,000 $303,333 $3,759 3.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $1,820,000 $303,333 $2,488 3.02%
TULSA, OK (FHA|USDA|VA) 7 $1,785,000 $255,000 $3,760 3.29%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 7 $1,765,000 $252,143 $5,003 2.98%
TOPEKA, KS (FHA|USDA|VA) 9 $1,755,000 $195,000 $3,302 3.21%
SAVANNAH, GA (FHA|USDA|VA) 7 $1,745,000 $249,286 $2,644 3.02%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $1,725,000 $191,667 $2,064 3.32%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $1,725,000 $191,667 $2,775 3.43%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,675,000 $335,000 $3,914 2.95%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 8 $1,620,000 $202,500 $2,717 3.30%
LAWRENCE, KS (FHA|USDA|VA) 6 $1,600,000 $266,667 $2,223 3.21%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $1,505,000 $215,000 $2,239 3.27%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,455,000 $291,000 $3,223 2.83%
PITTSBURGH, PA (FHA|USDA|VA) 6 $1,440,000 $240,000 $3,087 3.17%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 7 $1,425,000 $203,571 $2,246 3.29%
Warrensburg, MO (FHA|USDA|VA) 6 $1,410,000 $235,000 $2,953 3.46%
SPRINGFIELD, MO (FHA|USDA|VA) 8 $1,390,000 $173,750 $2,163 3.28%
RENO, NV (FHA|USDA|VA) 4 $1,360,000 $340,000 $7,719 2.63%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,355,000 $271,000 $2,938 3.08%
PROVO-OREM, UT (FHA|USDA|VA) 5 $1,275,000 $255,000 $3,961 3.20%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 6 $1,260,000 $210,000 $2,940 3.17%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $1,260,000 $315,000 $4,484 3.13%
PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $1,255,000 $251,000 $4,680 3.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 7 $1,245,000 $177,857 $2,991 3.20%
DAYTON-KETTERING, OH (FHA|USDA|VA) 6 $1,210,000 $201,667 $3,003 3.31%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $1,210,000 $302,500 $5,629 2.78%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $1,140,000 $285,000 $3,691 3.00%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,120,000 $280,000 $2,548 2.84%
PANAMA CITY, FL (FHA|USDA|VA) 4 $1,110,000 $277,500 $4,857 3.31%
COLUMBIA, SC (FHA|USDA|VA) 5 $1,095,000 $219,000 $3,037 2.93%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 5 $1,075,000 $215,000 $4,399 2.98%
BAKERSFIELD, CA (FHA|USDA|VA) 4 $990,000 $247,500 $4,257 2.94%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $975,000 $195,000 $3,367 3.25%
COLUMBUS, OH (FHA|USDA|VA) 5 $945,000 $189,000 $2,169 3.20%
OCALA, FL (FHA|USDA|VA) 5 $915,000 $183,000 $1,958 3.35%
EL PASO, TX (FHA|USDA|VA) 6 $900,000 $150,000 $1,975 3.25%
MANHATTAN, KS (FHA|USDA|VA) 3 $895,000 $298,333 $2,142 2.88%
FORT COLLINS, CO (FHA|USDA|VA) 2 $880,000 $440,000 $8,023 3.06%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $875,000 $291,667 $4,307 3.08%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $865,000 $288,333 $2,358 2.96%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $860,000 $430,000 $1,553 2.69%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $850,000 $212,500 $1,785 3.34%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $835,000 $278,333 $2,558 3.00%
LAS CRUCES, NM (FHA|USDA|VA) 3 $825,000 $275,000 $4,256 3.25%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $815,000 $271,667 $3,727 2.88%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $815,000 $271,667 $2,358 2.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $800,000 $200,000 $4,794 3.31%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $785,000 $261,667 $3,024 3.13%
FRESNO, CA (FHA|USDA|VA) 4 $780,000 $195,000 $3,099 3.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $770,000 $385,000 $6,358 2.94%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $765,000 $255,000 $2,278 3.04%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $765,000 $255,000 $3,265 2.96%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $760,000 $190,000 $3,011 3.56%
ANCHORAGE, AK (FHA|USDA|VA) 2 $760,000 $380,000 $2,688 3.19%
KNOXVILLE, TN (FHA|USDA|VA) 3 $745,000 $248,333 $2,953 3.38%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $710,000 $177,500 $1,937 3.31%
Riverton, WY (FHA|USDA|VA) 3 $705,000 $235,000 $1,079 2.83%
Fernley, NV (FHA|USDA|VA) 3 $705,000 $235,000 $2,474 3.08%
WILMINGTON, NC (FHA|USDA|VA) 2 $700,000 $350,000 $1,650 2.50%
POCATELLO, ID (FHA|USDA|VA) 4 $700,000 $175,000 $2,390 3.56%
ST. GEORGE, UT (FHA|USDA|VA) 2 $640,000 $320,000 $2,150 2.75%
BATON ROUGE, LA (FHA|USDA|VA) 3 $635,000 $211,667 $3,354 2.92%
COLUMBIA, MO (FHA|USDA|VA) 3 $635,000 $211,667 $2,572 3.38%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $615,000 $205,000 $1,824 3.17%
PUEBLO, CO (FHA|USDA|VA) 2 $610,000 $305,000 $1,827 3.00%
Sandpoint, ID (FHA|USDA|VA) 2 $600,000 $300,000 $3,401 3.13%
NEW BERN, NC (FHA|USDA|VA) 3 $585,000 $195,000 $1,759 3.13%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $585,000 $195,000 $2,462 3.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $580,000 $145,000 $1,717 3.19%
TWIN FALLS, ID (FHA|USDA|VA) 2 $570,000 $285,000 $3,791 2.88%
RAPID CITY, SD (FHA|USDA|VA) 2 $570,000 $285,000 $1,187 2.69%
MODESTO, CA (FHA|USDA|VA) 2 $570,000 $285,000 $2,647 2.94%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $560,000 $280,000 $7,292 2.94%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $560,000 $280,000 $3,154 3.13%
GETTYSBURG, PA (FHA|USDA|VA) 2 $560,000 $280,000 $6,141 3.06%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $560,000 $280,000 $4,719 3.13%
YUBA CITY, CA (FHA|USDA|VA) 2 $560,000 $280,000 $2,622 3.13%
CHEYENNE, WY (FHA|USDA|VA) 2 $550,000 $275,000 $2,708 2.44%
Roseburg, OR (FHA|USDA|VA) 3 $535,000 $178,333 $2,144 3.29%
DOVER, DE (FHA|USDA|VA) 2 $530,000 $265,000 $3,485 3.13%
St. Marys, GA (FHA|USDA|VA) 2 $520,000 $260,000 $1,903 3.00%
ENID, OK (FHA|USDA|VA) 2 $520,000 $260,000 $4,339 3.00%
Cedartown, GA (FHA|USDA|VA) 3 $515,000 $171,667 $2,041 3.25%
MONTGOMERY, AL (FHA|USDA|VA) 3 $515,000 $171,667 $3,322 3.67%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $515,000 $515,000 $5,548 3.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $515,000 $515,000 $23,854 4.50%
Aberdeen, WA (FHA|USDA|VA) 2 $510,000 $255,000 $1,937 3.00%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $500,000 $250,000 $3,626 3.31%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $500,000 $250,000 $3,409 3.25%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $500,000 $125,000 $2,294 3.56%
GRANTS PASS, OR (FHA|USDA|VA) 2 $490,000 $245,000 $2,565 2.81%
GAINESVILLE, GA (FHA|USDA|VA) 2 $470,000 $235,000 $2,599 3.25%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $470,000 $235,000 $2,700 3.44%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $470,000 $235,000 $3,804 3.06%
GREELEY, CO (FHA|USDA|VA) 1 $445,000 $445,000 $5,293 3.88%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $440,000 $220,000 $1,814 3.06%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $440,000 $220,000 $2,852 3.25%
ASHEVILLE, NC (FHA|USDA|VA) 2 $430,000 $215,000 $2,821 3.19%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $425,000 $425,000 $7,027 2.88%
FARGO, ND-MN (FHA|USDA|VA) 2 $410,000 $205,000 $1,213 2.94%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $410,000 $205,000 $1,356 2.75%
West Plains, MO (FHA|USDA|VA) 2 $400,000 $200,000 $2,033 3.38%
Plymouth, IN (FHA|USDA|VA) 1 $395,000 $395,000 $2,951 2.50%
Elko, NV (FHA|USDA|VA) 2 $390,000 $195,000 $4,493 3.44%
YUMA, AZ (FHA|USDA|VA) 2 $390,000 $195,000 $1,153 3.00%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $390,000 $195,000 $1,633 2.94%
MOBILE, AL (FHA|USDA|VA) 1 $385,000 $385,000 $1,188 3.00%
HARRISONBURG, VA (FHA|USDA|VA) 1 $385,000 $385,000 $2,755 2.75%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $380,000 $190,000 $2,265 3.44%
ROCHESTER, MN (FHA|USDA|VA) 2 $380,000 $190,000 $1,937 3.00%
Nacogdoches, TX (FHA|USDA|VA) 1 $375,000 $375,000 $1,648 2.75%
Durant, OK (FHA|USDA|VA) 2 $360,000 $180,000 $3,310 3.44%
KANKAKEE, IL (FHA|USDA|VA) 2 $360,000 $180,000 $5,024 3.50%
LAFAYETTE, LA (FHA|USDA|VA) 1 $355,000 $355,000 $3,565 3.50%
Durango, CO (FHA|USDA|VA) 1 $355,000 $355,000 $15,084 2.75%
Clearlake, CA (FHA|USDA|VA) 1 $345,000 $345,000 $3,144 3.25%
Washington, NC (FHA|USDA|VA) 2 $340,000 $170,000 $6,035 3.56%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $340,000 $170,000 $1,986 3.19%
Crossville, TN (FHA|USDA|VA) 1 $335,000 $335,000 $5,685 2.75%
Mount Vernon, OH (FHA|USDA|VA) 1 $335,000 $335,000 $951 2.50%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $335,000 $335,000 $2,661 3.00%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $335,000 $335,000 $772 2.75%
LONGVIEW, WA (FHA|USDA|VA) 1 $335,000 $335,000 $5,436 2.88%
BELLINGHAM, WA (FHA|USDA|VA) 2 $330,000 $165,000 $2,499 3.38%
Owatonna, MN (FHA|USDA|VA) 2 $330,000 $165,000 $2,275 3.13%
Outside of Metro Areas 1 $325,000 $325,000 $3,039 3.25%
Dublin, GA (FHA|USDA|VA) 1 $325,000 $325,000 $1,614 3.00%
Ozark, AL (FHA|USDA|VA) 1 $325,000 $325,000 $1,056 2.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $315,000 $315,000 $3,516 2.88%
BISMARCK, ND (FHA|USDA|VA) 1 $315,000 $315,000 $3,602 3.13%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $310,000 $155,000 $2,789 3.19%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $305,000 $305,000 $5,284 3.13%
Heber, UT (FHA|USDA|VA) 1 $305,000 $305,000 $6,819 2.88%
Bardstown, KY (FHA|USDA|VA) 2 $300,000 $150,000 $823 3.00%
JONESBORO, AR (FHA|USDA|VA) 1 $285,000 $285,000 $3,791 2.75%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $275,000 $275,000 $4,721 3.00%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $275,000 $275,000 $1,671 3.38%
FORT WAYNE, IN (FHA|USDA|VA) 2 $270,000 $135,000 $2,949 3.31%
MEDFORD, OR (FHA|USDA|VA) 1 $265,000 $265,000 $6,242 3.50%
Blackfoot, ID (FHA|USDA|VA) 1 $265,000 $265,000 $3,432 3.13%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,390 2.88%
ANN ARBOR, MI (FHA|USDA|VA) 1 $265,000 $265,000 $2,718 2.50%
GAINESVILLE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,664 3.50%
Shelbyville, TN (FHA|USDA|VA) 2 $260,000 $130,000 $1,774 3.56%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $255,000 $255,000 $1,958 3.25%
JACKSON, MS (FHA|USDA|VA) 2 $250,000 $125,000 $1,473 3.31%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $250,000 $125,000 $1,622 3.31%
Stephenville, TX (FHA|USDA|VA) 1 $245,000 $245,000 $1,425 3.50%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $245,000 $245,000 $5,242 3.25%
FOND DU LAC, WI (FHA|USDA|VA) 1 $245,000 $245,000 $2,867 3.00%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $245,000 $245,000 $1,867 2.50%
Richmond, IN (FHA|USDA|VA) 1 $245,000 $245,000 $786 2.88%
SALINAS, CA (FHA|USDA|VA) 1 $245,000 $245,000 $821 2.50%
Washington, IN (FHA|USDA|VA) 1 $245,000 $245,000 $803 2.75%
AMARILLO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,974 3.50%
GREENVILLE, NC (FHA|USDA|VA) 1 $235,000 $235,000 $3,337 3.25%
SANTA FE, NM (FHA|USDA|VA) 1 $235,000 $235,000 $2,228 3.00%
Warren, PA (FHA|USDA|VA) 1 $235,000 $235,000 $1,938 3.00%
Moses Lake, WA (FHA|USDA|VA) 1 $235,000 $235,000 $2,471 2.75%
Shelton, WA (FHA|USDA|VA) 1 $235,000 $235,000 $3,935 2.88%
AKRON, OH (FHA|USDA|VA) 1 $235,000 $235,000 $2,354 3.25%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $235,000 $235,000 $2,440 2.88%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $225,000 $225,000 $3,357 3.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $225,000 $225,000 $3,613 3.25%
Lewisburg, PA (FHA|USDA|VA) 1 $225,000 $225,000 $1,837 3.13%
MADISON, WI (FHA|USDA|VA) 1 $225,000 $225,000 $1,745 3.00%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $225,000 $225,000 $1,684 3.50%
TYLER, TX (FHA|USDA|VA) 1 $225,000 $225,000 $2,872 2.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $2,985 3.25%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $225,000 $225,000 $6,612 3.88%
Frankfort, KY (FHA|USDA|VA) 1 $215,000 $215,000 $1,057 3.50%
Frankfort, IN (FHA|USDA|VA) 1 $215,000 $215,000 $2,465 3.13%
DULUTH, MN-WI (FHA|USDA|VA) 1 $215,000 $215,000 $2,270 3.50%
LANCASTER, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,375 3.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $215,000 $215,000 $2,374 2.50%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $215,000 $215,000 $2,000 2.75%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $215,000 $215,000 $2,134 2.50%
Salina, KS (FHA|USDA|VA) 1 $205,000 $205,000 $985 2.88%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $205,000 $205,000 $5,097 3.00%
LUBBOCK, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,556 3.25%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $205,000 $205,000 $2,179 3.13%
Burley, ID (FHA|USDA|VA) 1 $205,000 $205,000 $4,223 3.63%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $205,000 $205,000 $2,952 3.63%
ROANOKE, VA (FHA|USDA|VA) 1 $205,000 $205,000 $3,705 3.00%
Clovis, NM (FHA|USDA|VA) 1 $205,000 $205,000 $1,362 3.25%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,272 3.50%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $195,000 $195,000 $2,661 3.00%
BURLINGTON, NC (FHA|USDA|VA) 1 $195,000 $195,000 $3,992 3.38%
Torrington, CT (FHA|USDA|VA) 1 $195,000 $195,000 $3,616 3.88%
EL CENTRO, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,007 2.88%
LINCOLN, NE (FHA|USDA|VA) 1 $195,000 $195,000 $1,942 3.50%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $195,000 $195,000 $3,631 3.75%
Kerrville, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,102 3.13%
El Dorado, AR (FHA|USDA|VA) 1 $195,000 $195,000 $3,214 3.25%
McAlester, OK (FHA|USDA|VA) 1 $195,000 $195,000 $1,971 2.88%
WHEELING, WV-OH (FHA|USDA|VA) 1 $195,000 $195,000 $8,685 2.50%
Mount Sterling, KY (FHA|USDA|VA) 1 $195,000 $195,000 $1,916 3.13%
Alexandria, MN (FHA|USDA|VA) 1 $195,000 $195,000 $2,052 3.75%
Poplar Bluff, MO (FHA|USDA|VA) 1 $195,000 $195,000 $1,492 3.00%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $195,000 $195,000 $1,241 2.88%
London, KY (FHA|USDA|VA) 1 $185,000 $185,000 $2,055 2.50%
Richmond-Berea, KY (FHA|USDA|VA) 1 $185,000 $185,000 $3,315 3.25%
GREEN BAY, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,060 3.00%
Cedar City, UT (FHA|USDA|VA) 1 $185,000 $185,000 $2,523 3.00%
Sanford, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,246 2.88%
MONROE, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,487 3.50%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $4,066 3.50%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $185,000 $185,000 $4,089 2.88%
Helena, MT (FHA|USDA|VA) 1 $185,000 $185,000 $2,241 3.38%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $185,000 $185,000 $1,833 3.63%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $175,000 $175,000 $1,615 3.50%
Hannibal, MO (FHA|USDA|VA) 1 $175,000 $175,000 $2,137 3.38%
Show Low, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $5,114 2.75%
Sayre, PA (FHA|USDA|VA) 1 $175,000 $175,000 $2,790 3.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $175,000 $175,000 $3,513 3.13%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $175,000 $175,000 $2,527 3.63%
Fort Morgan, CO (FHA|USDA|VA) 1 $175,000 $175,000 $2,610 3.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,360 3.75%
Traverse City, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,242 3.63%
Mountain Home, AR (FHA|USDA|VA) 1 $165,000 $165,000 $713 3.13%
Marshall, MO (FHA|USDA|VA) 1 $165,000 $165,000 $1,749 3.63%
Russellville, AR (FHA|USDA|VA) 1 $155,000 $155,000 $2,273 3.50%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $155,000 $155,000 $1,008 3.50%
JACKSON, TN (FHA|USDA|VA) 1 $145,000 $145,000 $680 3.13%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $145,000 $145,000 $630 3.38%
Lebanon, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,347 3.63%
Rochelle, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,560 3.25%
Crawfordsville, IN (FHA|USDA|VA) 1 $145,000 $145,000 $1,373 3.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,996 3.75%
Muskogee, OK (FHA|USDA|VA) 1 $135,000 $135,000 $6,171 3.25%
Red Wing, MN (FHA|USDA|VA) 1 $125,000 $125,000 $2,097 3.38%
STOCKTON, CA (FHA|USDA|VA) 1 $125,000 $125,000 $1,535 3.00%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $125,000 $125,000 $1,555 3.50%
Jacksonville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $2,187 3.63%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,491 3.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $125,000 $125,000 $1,546 4.00%
Alamogordo, NM (FHA|USDA|VA) 1 $125,000 $125,000 $2,836 2.88%
ST. CLOUD, MN (FHA|USDA|VA) 1 $125,000 $125,000 $556 3.50%
Tahlequah, OK (FHA|USDA|VA) 1 $115,000 $115,000 $4,110 3.75%
Adrian, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,924 4.50%
DOTHAN, AL (FHA|USDA|VA) 1 $115,000 $115,000 $1,181 3.75%
SUMTER, SC (FHA|USDA|VA) 1 $115,000 $115,000 $1,612 3.50%
READING, PA (FHA|USDA|VA) 1 $105,000 $105,000 $1,214 3.50%
Fremont, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,751 4.00%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $105,000 $105,000 $798 3.63%
Calhoun, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,682 4.75%
Atchison, KS (FHA|USDA|VA) 1 $105,000 $105,000 $2,186 4.25%
GOLDSBORO, NC (FHA|USDA|VA) 1 $95,000 $95,000 $1,757 3.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $765 3.00%
THE VILLAGES, FL (FHA|USDA|VA) 1 $85,000 $85,000 $1,404 3.38%
APPLETON, WI (FHA|USDA|VA) 1 $75,000 $75,000 $1,977 3.63%
ROME, GA (FHA|USDA|VA) 1 $65,000 $65,000 $1,759 4.00%
James B. Nutter & Company's top markets include Kansas City, Dallas, Washington, Atlanta, and Houston among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,045 $216,025,000 $206,722 $3,150 3.48%
    VA 968 $257,290,000 $265,795 $2,885 2.98%
    FHA 762 $170,090,000 $223,215 $3,800 3.24%
    USDA 3 $685,000 $228,333 $3,282 3.58%

    For 2020, James B. Nutter & Company's most frequently originated type of loan was Conventional, with 1,045 originations. Their 2nd most popular type was VA, with 968 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,848 $441,740,000 $239,037 $2,698 3.14%
    Cash Out Refi 570 $120,630,000 $211,632 $4,106 3.49%
    Home Purchase 203 $49,895,000 $245,788 $4,799 3.26%
    Home Improvement 156 $31,560,000 $202,308 $4,397 3.46%
    Other 1 $265,000 $265,000 $3,402 3.13%

    For 2020, James B. Nutter & Company's most frequently cited loan purpose was Refi, with 1,848 originations. The 2nd most popular reason was Cash Out Refi, with 570 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,274 $548,220,000 $241,082 $3,311 3.24%
    15 Year 265 $47,875,000 $180,660 $2,918 3.21%
    20 Year 122 $25,390,000 $208,115 $3,006 3.28%
    Other 86 $19,080,000 $221,860 $2,865 3.21%
    10 Year 31 $3,525,000 $113,710 $2,406 3.60%

    For 2020, James B. Nutter & Company's most frequently cited loan duration was 30 Year, with 2,274 originations. The 2nd most popular length was 15 Year, with 265 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 583 $117,915,000 $202,256
    $<1k 284 $47,450,000 $167,077
    $2k-3k 228 $57,250,000 $251,096
    $3k-4k 76 $23,290,000 $306,447
    $4k-5k 18 $7,020,000 $390,000
    $5k+ 10 $4,590,000 $459,000

    James B. Nutter & Company's average total fees were $3,311, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 583 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,558 $330,570,000 $212,176
    2.5-3% 1,012 $268,710,000 $265,524
    4-5% 110 $15,620,000 $142,000
    <2.5% 95 $28,555,000 $300,579
    5-6% 3 $635,000 $211,667

    During 2020, James B. Nutter & Company's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 3-4%, with 1,558 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,481 $400,765,000 $270,604 $3,555 3.12%
    $100k-200k 1,035 $165,815,000 $160,208 $2,716 3.38%
    $400k-600k 134 $61,020,000 $455,373 $4,346 3.00%
    $100,000 or less 119 $9,425,000 $79,202 $2,244 3.75%
    $600k-1MM 9 $7,065,000 $785,000 $7,256 3.10%

    2020 saw James B. Nutter & Company place emphasis on $200k-400k loans with 1,481 originations, totaling $400,765,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,368 $322,690,000 $235,885 $2,689 3.15%
    $100k-150k 476 $114,760,000 $241,092 $3,725 3.30%
    $75k-100k 344 $72,170,000 $209,797 $3,866 3.34%
    $50k-75k 333 $60,365,000 $181,276 $3,506 3.44%
    $150k-250k 229 $64,485,000 $281,594 $3,960 3.24%
    $250k+ 27 $9,505,000 $352,037 $4,886 3.12%

    James B. Nutter & Company lent most frequently to those with incomes in the $50k or less range, with 1,368 originations. The second most popular income band? $100k-150k, with 476 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 58 $12,900,000 $222,414 $3,911 3.38%
    <20% 33 $6,805,000 $206,212 $3,486 3.15%
    30-36% 33 $7,235,000 $219,242 $4,875 3.48%
    42% 7 $1,845,000 $263,571 $5,418 3.25%
    36% 7 $1,865,000 $266,429 $4,283 3.13%
    41% 7 $1,155,000 $165,000 $3,591 3.52%
    43% 7 $1,755,000 $250,714 $3,631 3.20%
    44% 5 $1,135,000 $227,000 $6,194 3.30%
    45% 5 $1,175,000 $235,000 $5,076 3.75%
    38% 5 $995,000 $199,000 $2,799 3.88%
    47% 4 $1,270,000 $317,500 $13,388 3.50%
    39% 3 $895,000 $298,333 $4,611 3.17%
    50-60% 3 $715,000 $238,333 $7,057 3.50%
    37% 3 $615,000 $205,000 $4,487 3.17%
    48% 3 $725,000 $241,667 $5,260 3.42%
    40% 2 $310,000 $155,000 $3,406 3.50%
    >60% 1 $245,000 $245,000 $2,867 3.00%
    46% 1 $265,000 $265,000 $8,780 3.00%

    James B. Nutter & Company lent most frequently to those with DTI ratios of 20-30%, with 58 originations. The next most common DTI ratio? <20%, with 33 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,219 $509,845,000 $229,763 $3,231 3.25%
    Black 305 $72,375,000 $237,295 $3,292 3.20%
    Not provided 158 $38,350,000 $242,722 $3,288 3.15%
    Asian 33 $7,935,000 $240,455 $3,148 3.25%
    American Indian 31 $7,305,000 $235,645 $2,811 3.20%
    Not applicable 18 $4,550,000 $252,778 $3,822 3.21%
    Filipino 6 $1,860,000 $310,000 $2,246 2.90%
    Native Hawaiian or Islander 2 $470,000 $235,000 $2,060 3.19%
    Asian Indian 2 $410,000 $205,000 $2,830 3.00%
    Other Pacific Islander 1 $395,000 $395,000 $7,319 3.00%
    Other Asian 1 $255,000 $255,000 $3,647 3.38%
    Guamanian 1 $215,000 $215,000 $1,101 2.50%
    Samoan 1 $125,000 $125,000 $2,218 3.50%

    Approval Rates

    Total approvals of all applications
    91.24%

    James B. Nutter & Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    38.19%

    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 2,778 $644,090,000 $231,854

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 45 $7,985,000 $177,444
    Single Family (1-4 Units):Site-Built 2,733 $636,105,000 $232,750

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 69 $8,375,000 $121,377 $2,399 3.52%
    40-60% 264 $47,530,000 $180,038 $2,922 3.36%
    60-80% 742 $158,930,000 $214,191 $3,413 3.43%
    80-100% 1,661 $416,855,000 $250,966 $3,206 3.13%
    Over 100% 41 $12,355,000 $301,341 $4,713 3.02%
    Under 20% 1 $45,000 $45,000 $2,148 4.63%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    JAMES B. NUTTER & COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    JAMES B. NUTTER & COMPANY FHA mortgage Trouble during payment process 1 50.0%