Advancial Mortgage Rates, Fees & Info

Dallas, TX

LEI: 549300I1HK1BBZLKOB84

Tax ID: 75-0793299

2.01 stars - out of 5 stars, based on 34 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Advancial is a smaller mortgage company specializing in Refi, Home Purchase, and Cash Out Refi loans. Advancial has a high proportion of conventional loans. Their top markets include Dallas, Houston, Los Angeles, Lafayette, and Seattle among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Advancial is typically an average fee lendor.


Originations

1,155

Origination Dollar Volume (All Markets)

$423,635,000

Awards

ADVANCIAL 30 Year Conventional Loans bronze ADVANCIAL 30 Year Conventional Loans gold
Show all (2) awards

Relative Rate

Advancial's average 30 year fixed rate mortgage of loans were 3.75%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of 0.39%.

Relative Fees

Advancial's average total fees for a 30 year fixed rate mortgage are $4,986.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 268 $70,590,000 $263,396 $3,716 3.18%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 133 $36,705,000 $275,977 $4,243 3.02%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 32 $27,590,000 $862,188 $10,094 4.34%
Outside of Metro Areas 79 $23,455,000 $296,899 $4,198 3.78%
LAFAYETTE, LA (FHA|USDA|VA) 130 $20,390,000 $156,846 $3,072 3.06%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 15 $15,455,000 $1,030,333 $5,691 4.09%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 14 $12,260,000 $875,714 $5,998 3.96%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 9 $11,895,000 $1,321,667 $5,588 4.64%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 18 $11,700,000 $650,000 $4,412 4.30%
ANCHORAGE, AK (FHA|USDA|VA) 34 $11,280,000 $331,765 $3,926 3.14%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 8 $10,290,000 $1,286,250 $18,349 4.67%
SAN RAFAEL, CA (FHA|USDA|VA) 7 $9,395,000 $1,342,143 $7,967 4.55%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 18 $8,070,000 $448,333 $5,004 4.63%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 33 $6,805,000 $206,212 $3,426 3.19%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 11 $6,275,000 $570,455 $8,125 4.85%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 17 $5,905,000 $347,353 $4,550 3.24%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 10 $5,770,000 $577,000 $3,794 4.66%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $4,605,000 $1,535,000 $24,988 4.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 12 $4,570,000 $380,833 $4,762 3.84%
OKLAHOMA CITY, OK (FHA|USDA|VA) 18 $4,570,000 $253,889 $3,465 3.02%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 10 $4,490,000 $449,000 $5,882 4.08%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 12 $4,180,000 $348,333 $6,140 4.76%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $4,140,000 $690,000 $6,702 4.90%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 8 $4,110,000 $513,750 $4,965 4.86%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 10 $4,020,000 $402,000 $6,000 4.96%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 11 $3,985,000 $362,273 $5,888 5.00%
NAPA, CA (FHA|USDA|VA) 3 $3,505,000 $1,168,333 $3,560 4.50%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $3,505,000 $1,168,333 $11,099 4.71%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 8 $3,370,000 $421,250 $3,236 3.39%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 7 $3,355,000 $479,286 $3,909 3.34%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $3,055,000 $235,000 $3,874 3.13%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 3 $3,045,000 $1,015,000 $12,193 4.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $2,735,000 $547,000 $5,545 3.80%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $2,685,000 $537,000 $4,374 3.75%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $2,585,000 $517,000 $5,539 3.03%
BOSTON, MA (FHA|USDA|VA) 3 $2,415,000 $805,000 $3,551 3.96%
BOULDER, CO (FHA|USDA|VA) 2 $2,360,000 $1,180,000 $3,196 4.06%
COEUR D'ALENE, ID (FHA|USDA|VA) 2 $2,250,000 $1,125,000 $0 3.38%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $2,030,000 $1,015,000 $4,765 5.06%
SALINAS, CA (FHA|USDA|VA) 2 $1,860,000 $930,000 $9,168 4.19%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $0 4.75%
FRESNO, CA (FHA|USDA|VA) 3 $1,775,000 $591,667 $4,524 4.75%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 4 $1,770,000 $442,500 $5,576 4.38%
TUCSON, AZ (FHA|USDA|VA) 2 $1,660,000 $830,000 $4,286 3.75%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 5 $1,555,000 $311,000 $6,834 4.63%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 2 $1,530,000 $765,000 $11,476 3.94%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $1,475,000 $1,475,000 $33,379 4.75%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $1,475,000 $295,000 $3,324 5.75%
BRUNSWICK, GA (FHA|USDA|VA) 5 $1,405,000 $281,000 $4,045 5.53%
TULSA, OK (FHA|USDA|VA) 4 $1,380,000 $345,000 $4,805 4.03%
SHERMAN-DENISON, TX (FHA|USDA|VA) 6 $1,300,000 $216,667 $4,857 3.17%
NEWARK, NJ-PA (FHA|USDA|VA) 4 $1,290,000 $322,500 $4,641 4.00%
PHILADELPHIA, PA (FHA|USDA|VA) 1 $1,245,000 $1,245,000 $26,815 4.38%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,230,000 $615,000 $2,330 5.31%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $1,220,000 $610,000 $6,005 4.63%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 8 $1,140,000 $142,500 $2,416 5.25%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $1,110,000 $555,000 $12,823 3.50%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $1,020,000 $510,000 $1,787 5.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 3 $995,000 $331,667 $3,644 5.04%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $890,000 $445,000 $4,288 5.44%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $860,000 $430,000 $1,954 3.63%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $825,000 $825,000 $4,937 4.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $815,000 $815,000 $17,586 4.13%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $775,000 $775,000 $20,908 4.13%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 4 $770,000 $192,500 $6,812 5.06%
MIDLAND, TX (FHA|USDA|VA) 3 $755,000 $251,667 $4,098 3.29%
VALLEJO, CA (FHA|USDA|VA) 2 $720,000 $360,000 $8,584 4.50%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $685,000 $685,000 $4,791 4.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $640,000 $320,000 $1,317 5.38%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $615,000 $205,000 $4,901 3.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $610,000 $305,000 $3,130 2.88%
STOCKTON, CA (FHA|USDA|VA) 2 $590,000 $295,000 $6,323 4.56%
BATON ROUGE, LA (FHA|USDA|VA) 4 $590,000 $147,500 $3,532 2.84%
ELGIN, IL (FHA|USDA|VA) 1 $555,000 $555,000 $2,469 4.38%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $545,000 $181,667 $1,602 5.75%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $535,000 $535,000 $6,495 4.25%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $530,000 $265,000 $2,454 2.81%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $515,000 $515,000 $4,411 2.63%
PANAMA CITY, FL (FHA|USDA|VA) 3 $495,000 $165,000 $2,817 4.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $470,000 $235,000 $1,694 5.44%
SANTA FE, NM (FHA|USDA|VA) 1 $465,000 $465,000 $4,300 2.88%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $430,000 $215,000 $3,595 3.06%
GREELEY, CO (FHA|USDA|VA) 1 $425,000 $425,000 $0 4.38%
NILES, MI (FHA|USDA|VA) 2 $420,000 $210,000 $4,074 5.44%
PITTSBURGH, PA (FHA|USDA|VA) 1 $415,000 $415,000 $10,561 3.88%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 1 $415,000 $415,000 $2,587 2.88%
SALEM, OR (FHA|USDA|VA) 1 $405,000 $405,000 $0 3.50%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $405,000 $405,000 $4,631 4.63%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $400,000 $200,000 $3,770 2.81%
RICHMOND, VA (FHA|USDA|VA) 2 $390,000 $195,000 $3,650 4.13%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 2 $360,000 $180,000 $3,588 3.06%
GAINESVILLE, FL (FHA|USDA|VA) 2 $350,000 $175,000 $4,357 3.69%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $345,000 $345,000 $2,885 2.88%
TYLER, TX (FHA|USDA|VA) 2 $320,000 $160,000 $3,217 2.94%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $315,000 $315,000 $3,627 3.38%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 1 $315,000 $315,000 $2,472 2.63%
FARMINGTON, NM (FHA|USDA|VA) 1 $305,000 $305,000 $6,378 3.38%
RENO, NV (FHA|USDA|VA) 1 $295,000 $295,000 $3,671 2.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $295,000 $295,000 $3,439 5.25%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $285,000 $285,000 $6,354 2.88%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,847 5.88%
ROANOKE, VA (FHA|USDA|VA) 1 $275,000 $275,000 $4,115 3.38%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $270,000 $135,000 $3,473 2.81%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $265,000 $265,000 $3,191 3.38%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.38%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $245,000 $245,000 $3,499 3.00%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $240,000 $120,000 $2,917 5.94%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $240,000 $120,000 $2,833 3.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,819 2.38%
KNOXVILLE, TN (FHA|USDA|VA) 1 $235,000 $235,000 $3,957 3.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $235,000 $235,000 $3,362 5.25%
WACO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $2,574 2.50%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 1 $205,000 $205,000 $3,160 2.63%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,294 5.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $195,000 $195,000 $3,680 2.38%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $185,000 $185,000 $3,256 3.25%
LUBBOCK, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,977 2.75%
BOISE CITY, ID (FHA|USDA|VA) 1 $185,000 $185,000 $3,968 3.88%
WENATCHEE, WA (FHA|USDA|VA) 1 $185,000 $185,000 $3,687 5.38%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $175,000 $175,000 $3,499 3.13%
NEW BERN, NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.50%
HATTIESBURG, MS (FHA|USDA|VA) 1 $155,000 $155,000 $3,404 3.00%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $145,000 $145,000 $3,741 2.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,726 3.25%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,883 2.75%
OCALA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,000 2.88%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,252 3.25%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $105,000 $105,000 $3,292 5.63%
TOPEKA, KS (FHA|USDA|VA) 1 $105,000 $105,000 $2,500 2.25%
TWIN FALLS, ID (FHA|USDA|VA) 1 $95,000 $95,000 $2,419 2.75%
COLUMBIA, SC (FHA|USDA|VA) 1 $75,000 $75,000 $3,552 3.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $65,000 $65,000 $2,960 2.88%

Advancial's top markets include Dallas, Houston, Los Angeles, Lafayette, and Seattle among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,155 $423,635,000 $366,784 $4,581 3.58%

For the 2020 period, Advancial's most frequently originated loan type of loans were Conventional, with 1,155 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 461 $120,075,000 $260,466 $3,381 3.01%
Home Purchase 391 $196,165,000 $501,701 $6,024 4.22%
Cash Out Refi 284 $106,390,000 $374,613 $4,499 3.54%
Home Improvement 19 $1,005,000 $52,895 $0 5.00%

For the 2020, Advancial's most frequently cited loan purpose of loans were Refi, with 461 originations. The 2nd most popular reason of loans were Home Purchase, with 391 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 758 $331,220,000 $436,966 $4,986 3.75%
15 Year 273 $68,615,000 $251,337 $3,889 3.28%
20 Year 95 $21,305,000 $224,263 $3,353 2.98%
Other 18 $1,070,000 $59,444 $3,573 4.70%
10 Year 11 $1,425,000 $129,545 $3,238 3.39%

For the 2020, Advancial's most frequently cited loan length of loans were 30 Year, with 758 originations. The 2nd most popular length of loans were 15 Year, with 273 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 534 $197,190,000 $369,270
$<1k 455 $141,015,000 $309,923
$5k+ 74 $58,390,000 $789,054
$2k-3k 49 $14,495,000 $295,816
$3k-4k 43 $12,545,000 $291,744

$4,986 of loans were Advancial's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 534 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 384 $95,450,000 $248,568
3-4% 309 $123,255,000 $398,883
4-5% 221 $147,705,000 $668,348
5-6% 121 $36,605,000 $302,521
<2.5% 111 $19,165,000 $172,658
6-7% 7 $1,185,000 $169,286
7-8% 2 $270,000 $135,000

During 2020, Advancial's average interest rate of loans were 3.75%, while their most frequently originated rate bucket of loans were 2.5-3%, with 384 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 412 $115,430,000 $280,170 $4,128 3.44%
$100k-200k 357 $54,325,000 $152,171 $3,286 3.30%
$400k-600k 130 $61,110,000 $470,077 $4,427 3.69%
$100,000 or less 93 $6,715,000 $72,204 $2,671 3.85%
$1MM+ 85 $123,165,000 $1,449,000 $10,690 4.30%
$600k-1MM 78 $62,890,000 $806,282 $7,933 4.37%

2020 saw Advancial place emphasis on $200k-400k loans with 412 originations, totaling $115,430,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 281 $69,015,000 $245,605 $3,876 3.44%
$150k-250k 267 $96,595,000 $361,779 $4,625 3.51%
$250k+ 252 $195,780,000 $776,905 $6,903 4.26%
$75k-100k 166 $32,940,000 $198,434 $3,518 3.22%
$50k-75k 124 $20,640,000 $166,452 $3,433 3.25%
$50k or less 65 $8,665,000 $133,308 $2,966 3.44%

Advancial lent most frequently to those with incomes in the $100k-150k range, with 281 originations. The second most popular income band? $150k-250k, with 267 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 361 $113,255,000 $313,726 $4,123 3.48%
30-36% 192 $82,210,000 $428,177 $5,230 3.63%
<20% 188 $50,240,000 $267,234 $3,686 3.42%
39% 54 $27,630,000 $511,667 $5,484 3.98%
42% 49 $29,535,000 $602,755 $6,183 4.25%
40% 46 $17,420,000 $378,696 $4,589 3.86%
41% 42 $23,220,000 $552,857 $7,564 4.08%
36% 41 $18,625,000 $454,268 $5,781 3.80%
38% 37 $18,285,000 $494,189 $4,239 3.92%
37% 36 $13,820,000 $383,889 $5,073 3.63%
43% 29 $7,675,000 $264,655 $3,786 3.19%
44% 20 $6,200,000 $310,000 $2,911 3.31%
45% 16 $3,790,000 $236,875 $3,718 2.96%
48% 10 $2,270,000 $227,000 $4,786 3.13%
49% 10 $2,680,000 $268,000 $4,532 2.96%
46% 9 $2,635,000 $292,778 $3,978 2.92%
47% 7 $2,035,000 $290,714 $3,756 2.88%
50-60% 7 $1,515,000 $216,429 $1,256 3.51%
>60% 1 $595,000 $595,000 $0 4.50%

Advancial lent most frequently to those with DTI ratios of 20-30%, with 361 originations. The next most common DTI ratio? 30-36%, with 192 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 805 $297,635,000 $369,733 $4,725 3.64%
Not provided 225 $76,235,000 $338,822 $4,138 3.37%
Asian 50 $30,560,000 $611,200 $5,542 3.86%
Black 64 $16,700,000 $260,938 $3,737 3.52%
American Indian 10 $2,290,000 $229,000 $3,403 3.16%
Native Hawaiian 1 $215,000 $215,000 $4,276 2.75%

Approval Rates

Total approvals of all applications
94.96%

Advancial has an average approval rate.

Pick Rate

Approvals leading to origination
83.99%

Advancial has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 1,155 $423,635,000 $366,784

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 1 $115,000 $115,000
Single Family (1-4 Units):Manufactured 2 $380,000 $190,000
Single Family (1-4 Units):Site-Built 1,152 $423,140,000 $367,309

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 88 $18,950,000 $215,341 $3,818 3.57%
40-60% 262 $88,970,000 $339,580 $4,576 3.57%
60-80% 567 $233,655,000 $412,090 $4,693 3.63%
80-100% 216 $80,350,000 $371,991 $4,530 3.38%
Under 20% 22 $1,710,000 $77,727 $5,689 4.58%