Keller Mortgage Rates, Fees & Info
HILLIARD, OHLEI: 549300GUS13Z72B6KD63
Tax ID: 20-2470783
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Mortgage Data
Review & Overview
Keller Mortgage is a smaller mortgage company specializing in Home Purchase loans. Keller Mortgage 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: Tampa, Miami, Pensacola, Las Vegas, and Cleveland among others. We have data for 108 markets. (Some data included below & more in-depth data is available with an active subscription.)Keller Mortgage 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. Keller Mortgage 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 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 | 6.51% | 10/29/24 |
| 30 Year Conventional Refi | 6.52% | 10/29/24 |
| 30 Year Cash-out Refi | 6.80% | 10/29/24 |
| 30 Year FHA Purchase | 7.01% | 10/29/24 |
| 30 Year FHA Refi | 6.44% | 10/29/24 |
| 30 Year VA Purchase | 6.35% | 10/29/24 |
| 30 Year USDA Purchase | 6.60% | 10/29/24 |
| 15 Year Conventional Purchase | 5.81% | 10/29/24 |
| 15 Year Conventional Refi | 6.01% | 10/29/24 |
| 15 Year Cash-out Refi | 6.01% | 10/29/24 |
| 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. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
350Origination Dollar Volume (All Markets)
$99,920,000Awards
KELLER MORTGAGE - 2023
KELLER MORTGAGE is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Keller Mortgage's average 30 year fixed mortgage rate was
6.1%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.38%.
Relative Fees (Closing Costs)
Keller Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,974.
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 |
|---|---|---|---|---|---|
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 35 | $9,765,000 | $279,000 | $7,228 | 6.06% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 11 | $4,695,000 | $426,818 | $8,648 | 6.16% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 15 | $4,355,000 | $290,333 | $8,730 | 6.08% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 12 | $4,170,000 | $347,500 | $9,231 | 6.01% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 19 | $3,745,000 | $197,105 | $6,557 | 6.30% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 19 | $3,185,000 | $167,632 | $5,213 | 6.16% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 7 | $2,875,000 | $410,714 | $7,513 | 6.43% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 9 | $2,595,000 | $288,333 | $7,072 | 5.97% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 12 | $2,570,000 | $214,167 | $4,941 | 6.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 10 | $2,300,000 | $230,000 | $4,795 | 5.85% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 10 | $2,080,000 | $208,000 | $6,219 | 5.99% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,825,000 | $608,333 | $17,391 | 5.67% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,785,000 | $595,000 | $13,727 | 5.67% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,730,000 | $865,000 | $21,064 | 6.50% |
| Outside of Metro Areas | 6 | $1,480,000 | $246,667 | $6,634 | 5.94% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $1,320,000 | $660,000 | $22,420 | 6.56% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $3,812 | 6.45% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $6,609 | 6.08% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $5,392 | 5.90% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $6,711 | 6.48% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $9,790 | 5.94% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $5,358 | 6.08% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $8,095 | 5.66% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $3,629 | 5.70% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $5,918 | 5.70% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $6,642 | 6.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $4,075 | 6.19% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $5,718 | 6.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $6,954 | 6.38% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $3,962 | 6.08% |
| MADISON, WI (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $9,104 | 5.69% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $8,816 | 6.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $3,846 | 5.94% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $6,243 | 6.00% |
| YAKIMA, WA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $5,768 | 5.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $10,213 | 5.34% |
| AKRON, OH (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $6,129 | 5.90% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,189 | 6.50% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $9,088 | 5.94% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $8,298 | 7.13% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $11,188 | 6.63% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $14,596 | 6.13% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $5,685 | 5.94% |
| Seneca, SC (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $17,495 | 7.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,479 | 5.67% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $7,104 | 6.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $5,988 | 6.13% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $9,122 | 5.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $5,393 | 5.99% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $12,680 | 5.00% |
| Athens, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $8,359 | 6.63% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,108 | 5.99% |
| Sandusky, OH (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $9,257 | 5.87% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,993 | 6.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $8,296 | 5.50% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,814 | 6.25% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $11,099 | 5.25% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,316 | 6.63% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,420 | 6.00% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,790 | 6.94% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,559 | 6.00% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,824 | 6.06% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,383 | 5.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,578 | 6.38% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,200 | 6.31% |
| Torrington, CT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,115 | 6.63% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,182 | 6.38% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,163 | 6.13% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $18,453 | 5.50% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,127 | 5.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,218 | 6.38% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,554 | 5.75% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $4,041 | 6.42% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,548 | 7.38% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,225 | 5.63% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,125 | 6.00% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,706 | 6.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,439 | 6.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,150 | 6.13% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,501 | 6.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,842 | 5.88% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,943 | 6.13% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,994 | 6.38% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,669 | 5.99% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,572 | 6.13% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,758 | 6.69% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,845 | 6.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,829 | 6.13% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,214 | 6.00% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,982 | 5.88% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,180 | 6.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,143 | 5.88% |
| London, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,877 | 5.88% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,967 | 5.88% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,625 | 5.25% |
| DALTON, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,281 | 7.13% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,776 | 6.50% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,131 | 5.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,058 | 5.63% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,457 | 5.75% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,156 | 5.99% |
| OCALA, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,563 | 5.99% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,995 | 5.13% |
| Salina, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,627 | 5.63% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,185 | 5.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,643 | 5.63% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,174 | 6.38% |
| Waycross, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,630 | 7.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against KELLER MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2023, Keller Mortgage's most frequently originated type of loan was Conventional, with 254 originations. Their 2nd most popular type was FHA, with 61 originations.
Loan Reason
For 2023, Keller Mortgage's most frequently cited loan purpose was Home Purchase, with 339 originations. The 2nd most popular reason was Cash Out Refi, with 8 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 344 | $98,950,000 | $287,645 | $6,974 | 6.10% |
| 15 Year | 6 | $970,000 | $161,667 | $5,118 | 5.56% |
For 2023, Keller Mortgage's most frequently cited loan duration was 30 Year, with 344 originations. The 2nd most popular length was 15 Year, with 6 originations.
Origination Fees/Closing Costs
Keller Mortgage's average total fees were $6,974, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 177 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 176 | $47,590,000 | $270,398 |
| 6-7% | 143 | $42,605,000 | $297,937 |
| 7-8% | 22 | $6,590,000 | $299,545 |
| 4-5% | 9 | $3,135,000 | $348,333 |
During 2023, Keller Mortgage's average interest rate for loans was 6.10%, while their most frequently originated rate bucket for loans was 5-6%, with 176 originations.
Loan Sizing
2023 saw Keller Mortgage place emphasis on $200k-400k loans with 165 originations, totaling $46,965,000 in origination value.
Applicant Income
Keller Mortgage lent most frequently to those with incomes in the $100k-150k range, with 89 originations. The second most popular income band? $50k-75k, with 73 originations.
Applicant Debt to Income Ratio
Keller Mortgage lent most frequently to those with DTI ratios of 20-30%, with 52 originations. The next most common DTI ratio? 30-36%, with 51 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.66%
Keller Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination58.86%
Keller Mortgage 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 | 350 | $99,920,000 | $285,486 |