Lisbon Community Mortgage Rates, Fees & Info
Lisbon, MELEI: 549300HIQFQDTNNY6967
Tax ID: 01-0263578
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Mortgage Data
Review & Overview
Lisbon Community is a smaller mortgage company specializing in Home Purchase, Home Improvement, and Refi loans. Lisbon Community has a high proportion of conventional loans. Lisbon Community has a low ratio of conventional loans. Their top markets by origination volume include: Lewiston, Portland, and Augusta among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Lisbon Community has an above average approval rate when compared to the average across all lenders.
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Originations
120Origination Dollar Volume (All Markets)
$8,910,000Top 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 |
|---|---|---|---|---|---|
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 102 | $7,540,000 | $73,922 | $434 | 3.96% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 13 | $935,000 | $71,923 | $0 | 0.00% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $15,000 | $15,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against LISBON COMMUNITY 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 117 | $8,715,000 | $74,487 | $0 | 0.00% |
| Conventional | 3 | $195,000 | $65,000 | $434 | 3.96% |
For 2019, Lisbon Community's most frequently originated type of loan was Conventional, with 117 originations. Their 2nd most popular type was Conventional, with 3 originations.
Loan Reason
For 2019, Lisbon Community's most frequently cited loan purpose was Home Purchase, with 31 originations. The 2nd most popular reason was Home Improvement, with 31 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 119 | $8,845,000 | $74,328 | $66 | 3.75% |
| 10 Year | 1 | $65,000 | $65,000 | $1,171 | 4.38% |
For 2019, Lisbon Community's most frequently cited loan duration was Other, with 119 originations. The 2nd most popular length was 10 Year, with 1 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2 | $130,000 | $65,000 |
| 4-5% | 1 | $65,000 | $65,000 |
During 2019, Lisbon Community's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 3-4%, with 2 originations.
Loan Sizing
2019 saw Lisbon Community place emphasis on $100,000 or less loans with 88 originations, totaling $4,160,000 in origination value.
Applicant Income
Lisbon Community lent most frequently to those with incomes in the $50k-75k range, with 45 originations. The second most popular income band? $50k or less, with 38 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 117 | $8,715,000 | $74,487 | $0 | 0.00% |
| 38% | 2 | $130,000 | $65,000 | $66 | 3.75% |
| 40% | 1 | $65,000 | $65,000 | $1,171 | 4.38% |
Lisbon Community lent most frequently to those with DTI ratios of Exempt%, with 117 originations. The next most common DTI ratio? 38%, with 2 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 119 | $8,805,000 | $73,992 | $434 | 3.96% |
| Black | 1 | $105,000 | $105,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications98.37%
Lisbon Community has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 117 | $8,715,000 | $74,487 |
| NA | 3 | $195,000 | $65,000 |