Advancial Mortgage Rates, Fees & Info
Dallas, TXLEI: 549300I1HK1BBZLKOB84
Tax ID: 75-0793299
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Mortgage Data
Review & Overview
Advancial is a smaller mortgage company specializing in Home Purchase loans. Advancial has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Dallas, Houston, and Miami among others. We have data for 127 markets. (Some data included below & more in-depth data is available with an active subscription.)Advancial 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. Advancial is typically a high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.57% | 4/18/24 |
| 30 Year Conventional Refi | 7.14% | 4/18/24 |
| 30 Year Cash-out Refi | 7.23% | 4/18/24 |
| 15 Year Conventional Purchase | 6.07% | 4/18/24 |
| 15 Year Conventional Refi | 5.91% | 4/18/24 |
| 15 Year Cash-out Refi | 5.91% | 4/18/24 |
| 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. | ||
Advancial Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Advancial. 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
562Origination Dollar Volume (All Markets)
$240,780,000Awards
ADVANCIAL - 2023
ADVANCIAL is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Advancial's average 30 year fixed mortgage rate was
7.78%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 1.3%.
Relative Fees (Closing Costs)
Advancial's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,867.
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 |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 42 | $21,420,000 | $510,000 | $13,396 | 8.13% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 18 | $17,440,000 | $968,889 | $21,347 | 7.58% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 54 | $17,230,000 | $319,074 | $8,058 | 7.35% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 40 | $12,820,000 | $320,500 | $8,735 | 7.30% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 26 | $12,000,000 | $461,538 | $12,093 | 8.32% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 10 | $11,270,000 | $1,127,000 | $22,291 | 7.91% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 17 | $10,375,000 | $610,294 | $13,546 | 8.08% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $6,515,000 | $1,303,000 | $37,022 | 7.40% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 12 | $6,070,000 | $505,833 | $14,343 | 8.09% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 16 | $5,060,000 | $316,250 | $10,001 | 8.15% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $5,015,000 | $1,003,000 | $18,681 | 7.85% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $4,945,000 | $549,444 | $9,906 | 8.69% |
| Heber, UT (FHA|USDA|VA) | 7 | $4,655,000 | $665,000 | $12,765 | 8.04% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 10 | $4,160,000 | $416,000 | $12,572 | 8.63% |
| LAFAYETTE, LA (FHA|USDA|VA) | 38 | $3,970,000 | $104,474 | $4,339 | 7.07% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $3,965,000 | $566,429 | $10,816 | 8.14% |
| Outside of Metro Areas | 21 | $3,615,000 | $172,143 | $7,192 | 8.27% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $3,430,000 | $1,715,000 | $33,713 | 7.94% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $3,365,000 | $373,889 | $10,155 | 8.53% |
| PANAMA CITY, FL (FHA|USDA|VA) | 11 | $3,255,000 | $295,909 | $7,900 | 8.53% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 5 | $2,985,000 | $597,000 | $18,423 | 8.08% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $2,805,000 | $561,000 | $7,504 | 7.95% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 16 | $2,650,000 | $165,625 | $6,555 | 8.83% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $2,610,000 | $1,305,000 | $19,784 | 8.13% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $2,460,000 | $1,230,000 | $23,591 | 7.19% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $2,380,000 | $1,190,000 | $13,996 | 8.19% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $2,220,000 | $555,000 | $9,320 | 8.03% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $2,220,000 | $555,000 | $17,179 | 8.22% |
| LAREDO, TX (FHA|USDA|VA) | 3 | $2,185,000 | $728,333 | $10,863 | 7.92% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $2,180,000 | $1,090,000 | $10,250 | 8.06% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 9 | $2,055,000 | $228,333 | $9,421 | 8.22% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,950,000 | $975,000 | $21,339 | 8.19% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $1,925,000 | $1,925,000 | $33,322 | 7.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,910,000 | $955,000 | $28,370 | 8.63% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $1,820,000 | $455,000 | $12,950 | 8.19% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,720,000 | $860,000 | $7,551 | 8.38% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $1,685,000 | $1,685,000 | $8,101 | 8.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $1,660,000 | $830,000 | $5,068 | 8.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $5,765 | 8.38% |
| Durango, CO (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $26,384 | 7.88% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $1,430,000 | $715,000 | $27,459 | 8.69% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $16,460 | 7.44% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $14,961 | 7.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $6,842 | 7.69% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $16,387 | 7.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $9,284 | 8.31% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $7,616 | 8.63% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $6,858 | 8.38% |
| REDDING, CA (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $6,375 | 9.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $53,098 | 7.83% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $10,221 | 8.42% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $13,317 | 6.81% |
| Athens, TX (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $6,276 | 8.31% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $5,776 | 7.58% |
| NAPA, CA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $17,296 | 9.75% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $9,981 | 7.88% |
| Hilo, HI (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $17,998 | 7.94% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,019 | 6.56% |
| Brookings, OR (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $21,149 | 7.00% |
| Outside of Metro Areas | 1 | $605,000 | $605,000 | $13,485 | 7.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,638 | 8.06% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,934 | 8.50% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $16,714 | 8.69% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $16,586 | 8.63% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 7.00% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,110 | 6.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $9,348 | 8.00% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,344 | 7.12% |
| OCALA, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $10,000 | 6.88% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,520 | 6.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,316 | 6.99% |
| ANCHORAGE, AK (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $0 | 6.82% |
| TYLER, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,360 | 6.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $12,884 | 9.25% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $13,231 | 7.13% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 8.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $7,806 | 8.83% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,800 | 8.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $12,098 | 6.75% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,000 | 8.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,053 | 6.25% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $13,746 | 8.88% |
| Mount Pleasant, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,662 | 6.31% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,902 | 8.38% |
| DOVER, DE (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,150 | 6.13% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,402 | 7.75% |
| Salem, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,051 | 9.63% |
| BEND, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,483 | 8.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,936 | 9.63% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,103 | 8.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,778 | 8.44% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,199 | 9.94% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $14,794 | 7.63% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,611 | 10.00% |
| Plainview, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,112 | 6.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,266 | 9.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,447 | 7.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 10.63% |
| Shelton, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,000 | 7.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,110 | 5.88% |
| Centralia, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,144 | 7.88% |
| Taos, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,861 | 8.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,418 | 7.38% |
| Liberal, KS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,106 | 5.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,475 | 6.50% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,992 | 8.13% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,109 | 8.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $7,236 | 7.56% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,714 | 8.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,884 | 7.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,683 | 8.88% |
| Barre, VT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,934 | 8.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,029 | 9.63% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,766 | 6.00% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,461 | 9.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,189 | 7.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,453 | 8.88% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,997 | 8.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,000 | 7.88% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,248 | 9.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,364 | 6.13% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,772 | 9.13% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,182 | 8.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,600 | 6.75% |
| Brenham, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,874 | 7.50% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.75% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.10% |
Similar Lenders
We use machine learning to identify the top lenders compared against ADVANCIAL 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 | 562 | $240,780,000 | $428,434 | $11,408 | 7.91% |
For 2023, Advancial's most frequently originated type of loan was Conventional, with 562 originations.
Loan Reason
For 2023, Advancial's most frequently cited loan purpose was Home Purchase, with 417 originations. The 2nd most popular reason was Cash Out Refi, with 84 originations.
Loan Duration/Length
For 2023, Advancial's most frequently cited loan duration was 30 Year, with 400 originations. The 2nd most popular length was 15 Year, with 130 originations.
Origination Fees/Closing Costs
Advancial's average total fees were $11,867, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 210 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 247 | $91,395,000 | $370,020 |
| 7-8% | 188 | $108,700,000 | $578,191 |
| 6-7% | 111 | $37,195,000 | $335,090 |
| 5-6% | 16 | $3,490,000 | $218,125 |
During 2023, Advancial's average interest rate for loans was 7.78%, while their most frequently originated rate bucket for loans was Over 8%, with 247 originations.
Loan Sizing
2023 saw Advancial place emphasis on $200k-400k loans with 176 originations, totaling $50,470,000 in origination value.
Applicant Income
Advancial lent most frequently to those with incomes in the $250k+ range, with 167 originations. The second most popular income band? $150k-250k, with 158 originations.
Applicant Debt to Income Ratio
Advancial lent most frequently to those with DTI ratios of 30-36%, with 132 originations. The next most common DTI ratio? 20-30%, with 104 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.43%
Advancial has an average approval rate.
Pick Rate
Approvals leading to origination78.47%
Advancial has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 562 | $240,780,000 | $428,434 |