James B. Nutter & Company Mortgage Rates, Fees & Info
Jefferson City, MOLEI: 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. They have a a high proportion of FHA loans. James B. Nutter & Company has an average proportion of conventional loans. Their top markets by origination volume include: Kansas City, Dallas, Denver, Chicago, and Seattle among others. We have data for 93 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.
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Originations
190Origination Dollar Volume (All Markets)
$46,970,000Awards
JAMES B. NUTTER & COMPANY - 2021
JAMES B. NUTTER & COMPANY is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 27 | $5,745,000 | $212,778 | $3,023 | 2.98% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $1,815,000 | $259,286 | $4,272 | 2.84% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,800,000 | $450,000 | $3,264 | 2.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $4,132 | 2.98% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $3,716 | 2.25% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $3,836 | 2.81% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $4,748 | 2.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $4,024 | 2.93% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $3,250 | 2.83% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $2,835 | 2.83% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $4,915 | 2.83% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $4,206 | 2.63% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $2,356 | 2.54% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $1,959 | 2.53% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,110 | 2.71% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $2,187 | 3.03% |
| Outside of Metro Areas | 4 | $760,000 | $190,000 | $3,124 | 2.81% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $2,980 | 2.83% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $1,968 | 2.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,765 | 2.56% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $2,172 | 2.56% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,471 | 2.79% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,451 | 2.81% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $1,267 | 2.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,048 | 2.69% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $1,434 | 2.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $922 | 2.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,177 | 2.25% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,338 | 2.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,885 | 3.13% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,317 | 2.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,979 | 2.50% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,369 | 2.63% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,128 | 3.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,689 | 2.75% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,128 | 2.50% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,566 | 2.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,364 | 2.50% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,534 | 2.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,815 | 2.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,072 | 2.25% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,139 | 2.25% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,577 | 2.25% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,184 | 2.75% |
| London, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,867 | 2.25% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,428 | 2.75% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,407 | 2.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,294 | 2.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,879 | 3.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,469 | 3.13% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,694 | 2.88% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,224 | 3.00% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,275 | 2.88% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,559 | 3.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,021 | 2.63% |
| Elko, NV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $984 | 2.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,973 | 3.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,801 | 2.75% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,919 | 2.50% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,037 | 3.00% |
| Minot, ND (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,910 | 2.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,642 | 2.75% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,230 | 2.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,095 | 2.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,694 | 2.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,056 | 2.75% |
| READING, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,604 | 3.00% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $968 | 2.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,374 | 3.00% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,043 | 2.88% |
| DOVER, DE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,931 | 2.88% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,678 | 2.88% |
| Evanston, WY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,115 | 3.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,379 | 3.00% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,059 | 2.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,485 | 3.25% |
| SALEM, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,418 | 2.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,191 | 3.38% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,130 | 3.50% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,771 | 3.25% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,276 | 2.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,548 | 3.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,708 | 3.13% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,403 | 3.13% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,958 | 2.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,726 | 3.25% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,082 | 2.88% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,000 | 2.88% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,482 | 3.38% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $840 | 2.75% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,472 | 2.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,477 | 3.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,657 | 2.88% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| VA | 88 | $24,700,000 | $280,682 | $2,545 | 2.63% |
| FHA | 81 | $18,035,000 | $222,654 | $3,944 | 2.92% |
| Conventional | 21 | $4,235,000 | $201,667 | $3,136 | 3.22% |
For 2021, James B. Nutter & Company's most frequently originated type of loan was VA, with 88 originations. Their 2nd most popular type was FHA, with 81 originations.
Loan Reason
For 2021, James B. Nutter & Company's most frequently cited loan purpose was Refi, with 168 originations. The 2nd most popular reason was Cash Out Refi, with 12 originations.
Loan Duration/Length
For 2021, James B. Nutter & Company's most frequently cited loan duration was 30 Year, with 163 originations. The 2nd most popular length was Other, with 11 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 15 | $3,035,000 | $202,333 |
| $2k-3k | 8 | $2,630,000 | $328,750 |
| $<1k | 6 | $960,000 | $160,000 |
| $3k-4k | 1 | $315,000 | $315,000 |
James B. Nutter & Company's average total fees were $3,222, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 15 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 117 | $27,155,000 | $232,094 |
| <2.5% | 41 | $13,585,000 | $331,341 |
| 3-4% | 32 | $6,230,000 | $194,688 |
During 2021, James B. Nutter & Company's average interest rate for loans was 2.81%, while their most frequently originated rate bucket for loans was 2.5-3%, with 117 originations.
Loan Sizing
2021 saw James B. Nutter & Company place emphasis on $200k-400k loans with 102 originations, totaling $27,730,000 in origination value.
Applicant Income
James B. Nutter & Company lent most frequently to those with incomes in the $50k or less range, with 128 originations. The second most popular income band? $100k-150k, with 27 originations.
Applicant Debt to Income Ratio
James B. Nutter & Company lent most frequently to those with DTI ratios of 20-30%, with 11 originations. The next most common DTI ratio? <20%, with 7 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.40%
James B. Nutter & Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination-254.74%
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 | 190 | $46,970,000 | $247,211 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| JAMES B. NUTTER & COMPANY | Conventional home mortgage | Incorrect information on your report | 1 | 50.0% |
| JAMES B. NUTTER & COMPANY | Conventional home mortgage | Struggling to pay mortgage | 1 | 50.0% |