Advancial Mortgage Rates, Fees & Info

Dallas, TX

LEI: 549300I1HK1BBZLKOB84

Tax ID: 75-0793299

1 stars - Updated: 5/11/25 - out of 5 stars, based on 22 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Advancial is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Advancial has a high proportion of conventional loans. Their top markets by origination volume include: New York, San Francisco, Los Angeles, Dallas, and Houston among others. We have data for 133 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.

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 7.39% 5/11/25
30 Year Conventional Refi 7.28% 5/11/25
30 Year Cash-out Refi 7.36% 5/11/25
15 Year Conventional Purchase 6.36% 5/11/25
15 Year Conventional Refi 7.07% 5/11/25
15 Year Cash-out Refi 7.07% 5/11/25
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

477

Origination Dollar Volume (All Markets)

$232,875,000

Relative Rate

Advancial's average 30 year fixed mortgage rate was 7.36%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.81%.

Relative Fees (Closing Costs)

Advancial's average total fees/closing costs for a 30 year fixed rate mortgage were $12,976.

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 $8,356.

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) 44 $21,930,000 $498,409 $13,922 7.72%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 16 $19,190,000 $1,199,375 $20,526 7.52%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 18 $16,760,000 $931,111 $21,626 7.80%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 49 $16,745,000 $341,735 $9,289 7.22%
Outside of Metro Areas 38 $13,840,000 $364,211 $9,842 7.65%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 24 $8,030,000 $334,583 $8,571 7.34%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 11 $7,575,000 $688,636 $15,809 7.32%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $6,950,000 $868,750 $20,208 7.25%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 15 $6,155,000 $410,333 $12,232 7.95%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $5,900,000 $983,333 $18,034 7.83%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $5,535,000 $790,714 $23,805 7.70%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $5,525,000 $1,105,000 $25,969 7.33%
Jackson, WY-ID (FHA|USDA|VA) 2 $4,980,000 $2,490,000 $50,698 7.31%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $4,150,000 $2,075,000 $42,278 7.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $3,670,000 $458,750 $17,092 7.61%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 6 $3,060,000 $510,000 $8,833 8.04%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $3,055,000 $1,018,333 $23,839 7.67%
LAFAYETTE, LA (FHA|USDA|VA) 26 $2,930,000 $112,692 $4,858 7.71%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $2,835,000 $945,000 $14,521 7.25%
Kalispell, MT (FHA|USDA|VA) 3 $2,785,000 $928,333 $15,551 7.96%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $2,365,000 $788,333 $9,731 7.79%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $2,190,000 $547,500 $15,313 8.31%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $2,145,000 $715,000 $15,754 8.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $1,980,000 $990,000 $22,391 7.25%
SALINAS, CA (FHA|USDA|VA) 1 $1,975,000 $1,975,000 $30,000 7.13%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $1,955,000 $651,667 $19,332 7.17%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $1,895,000 $1,895,000 $31,437 8.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 6 $1,760,000 $293,333 $7,413 8.44%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $1,710,000 $427,500 $12,047 6.97%
Key West, FL (FHA|USDA|VA) 2 $1,530,000 $765,000 $19,826 8.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $1,495,000 $498,333 $15,228 7.83%
BOULDER, CO (FHA|USDA|VA) 2 $1,430,000 $715,000 $12,089 7.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,410,000 $352,500 $13,485 7.91%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $1,330,000 $665,000 $14,594 6.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $1,325,000 $265,000 $5,614 7.45%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $1,310,000 $655,000 $18,690 7.38%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $1,245,000 $415,000 $7,342 7.29%
ANCHORAGE, AK (FHA|USDA|VA) 2 $1,190,000 $595,000 $5,772 6.75%
WENATCHEE, WA (FHA|USDA|VA) 2 $1,140,000 $570,000 $18,656 7.88%
Hilo, HI (FHA|USDA|VA) 3 $1,135,000 $378,333 $15,384 8.21%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $1,100,000 $550,000 $17,383 7.88%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $1,040,000 $520,000 $14,614 6.88%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $1,020,000 $255,000 $12,058 7.63%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $995,000 $331,667 $4,796 7.00%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $960,000 $480,000 $4,718 6.31%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $960,000 $480,000 $18,162 6.50%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $925,000 $925,000 $29,776 7.38%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $920,000 $460,000 $15,836 7.63%
Nogales, AZ (FHA|USDA|VA) 1 $905,000 $905,000 $28,369 7.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $865,000 $173,000 $8,266 8.83%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $855,000 $855,000 $26,947 6.63%
Steamboat Springs, CO (FHA|USDA|VA) 1 $815,000 $815,000 $8,000 7.38%
SAVANNAH, GA (FHA|USDA|VA) 2 $800,000 $400,000 $11,344 7.38%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $775,000 $775,000 $6,715 7.88%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $740,000 $370,000 $14,264 7.13%
BOISE CITY, ID (FHA|USDA|VA) 2 $720,000 $360,000 $15,076 7.19%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $715,000 $715,000 $4,609 6.99%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $695,000 $695,000 $14,827 7.50%
Athens, TX (FHA|USDA|VA) 1 $675,000 $675,000 $9,479 7.13%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $670,000 $335,000 $9,006 9.38%
Roseburg, OR (FHA|USDA|VA) 2 $660,000 $330,000 $10,978 7.69%
ANN ARBOR, MI (FHA|USDA|VA) 1 $635,000 $635,000 $26,142 6.63%
ST. GEORGE, UT (FHA|USDA|VA) 2 $630,000 $315,000 $9,929 8.13%
SYRACUSE, NY (FHA|USDA|VA) 2 $630,000 $315,000 $9,067 6.69%
GAINESVILLE, FL (FHA|USDA|VA) 2 $620,000 $310,000 $15,961 7.44%
MEDFORD, OR (FHA|USDA|VA) 1 $585,000 $585,000 $17,681 7.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $510,000 $255,000 $3,551 7.56%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $495,000 $495,000 $5,198 9.50%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $495,000 $495,000 $16,958 8.25%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $495,000 $165,000 $5,167 9.63%
Corsicana, TX (FHA|USDA|VA) 1 $485,000 $485,000 $8,437 6.88%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $465,000 $465,000 $4,938 8.25%
Concord, NH (FHA|USDA|VA) 3 $465,000 $155,000 $7,084 7.67%
FORT COLLINS, CO (FHA|USDA|VA) 2 $450,000 $225,000 $8,977 7.50%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $450,000 $225,000 $14,338 7.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $415,000 $415,000 $14,205 6.88%
FRESNO, CA (FHA|USDA|VA) 1 $405,000 $405,000 $16,929 7.63%
LEBANON, PA (FHA|USDA|VA) 1 $405,000 $405,000 $16,561 9.13%
RACINE, WI (FHA|USDA|VA) 2 $400,000 $200,000 $10,714 7.81%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $395,000 $395,000 $17,012 6.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $395,000 $395,000 $7,951 10.75%
McComb, MS (FHA|USDA|VA) 1 $385,000 $385,000 $9,000 6.63%
MIDLAND, TX (FHA|USDA|VA) 2 $380,000 $190,000 $4,948 7.50%
Washington, NC (FHA|USDA|VA) 1 $355,000 $355,000 $13,583 7.38%
SALEM, OR (FHA|USDA|VA) 1 $355,000 $355,000 $5,782 9.00%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $345,000 $345,000 $14,103 7.25%
ROANOKE, VA (FHA|USDA|VA) 1 $345,000 $345,000 $4,694 6.63%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $335,000 $335,000 $15,358 6.50%
COLUMBIA, MO (FHA|USDA|VA) 1 $335,000 $335,000 $3,871 6.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $315,000 $315,000 $8,322 6.38%
RICHMOND, VA (FHA|USDA|VA) 1 $315,000 $315,000 $4,968 6.63%
STOCKTON, CA (FHA|USDA|VA) 1 $305,000 $305,000 $13,447 6.25%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $295,000 $295,000 $14,218 7.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $295,000 $295,000 $5,227 8.13%
ROCHESTER, MN (FHA|USDA|VA) 1 $285,000 $285,000 $3,979 8.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $285,000 $285,000 $9,003 7.25%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $285,000 $285,000 $12,083 8.00%
Moses Lake, WA (FHA|USDA|VA) 1 $285,000 $285,000 $11,097 7.13%
TYLER, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,869 5.63%
ERIE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $5,239 6.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $265,000 $265,000 $7,575 7.63%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $245,000 $245,000 $4,774 7.38%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.50%
Greenwood, SC (FHA|USDA|VA) 1 $245,000 $245,000 $4,988 8.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $240,000 $120,000 $4,836 8.13%
SPARTANBURG, SC (FHA|USDA|VA) 1 $235,000 $235,000 $9,175 7.13%
BINGHAMTON, NY (FHA|USDA|VA) 1 $215,000 $215,000 $4,140 7.00%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $210,000 $105,000 $8,444 7.69%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $11,496 8.38%
ROCHESTER, NY (FHA|USDA|VA) 1 $195,000 $195,000 $5,000 7.50%
Laconia, NH (FHA|USDA|VA) 1 $195,000 $195,000 $10,209 8.63%
WILMINGTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $5,510 8.63%
Lebanon, NH-VT (FHA|USDA|VA) 1 $175,000 $175,000 $8,216 8.50%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $165,000 $165,000 $4,159 5.88%
MISSOULA, MT (FHA|USDA|VA) 1 $165,000 $165,000 $5,000 8.63%
EL CENTRO, CA (FHA|USDA|VA) 1 $155,000 $155,000 $9,190 9.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $155,000 $155,000 $4,875 7.38%
RENO, NV (FHA|USDA|VA) 1 $145,000 $145,000 $7,064 8.25%
MORGANTOWN, WV (FHA|USDA|VA) 1 $145,000 $145,000 $6,000 7.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $135,000 $135,000 $7,944 7.88%
KNOXVILLE, TN (FHA|USDA|VA) 1 $135,000 $135,000 $6,532 8.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $125,000 $125,000 $7,651 6.88%
COLUMBUS, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,697 7.38%
Georgetown, SC (FHA|USDA|VA) 1 $115,000 $115,000 $3,995 10.00%
McAlester, OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,561 6.38%
LYNCHBURG, VA (FHA|USDA|VA) 1 $105,000 $105,000 $5,474 7.50%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $105,000 $105,000 $5,623 8.38%
COLUMBIA, SC (FHA|USDA|VA) 1 $75,000 $75,000 $5,599 7.75%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $75,000 $75,000 $3,995 8.63%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $75,000 $75,000 $3,543 6.00%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.99%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.41%
Opelousas, LA (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.33%
Advancial's top markets include New York, San Francisco, Los Angeles, Dallas, and Houston among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 477 $232,875,000 $488,208 $12,965 7.61%

    For 2024, Advancial's most frequently originated type of loan was Conventional, with 477 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 341 $168,335,000 $493,651 $12,252 7.55%
    Cash Out Refi 78 $49,060,000 $628,974 $15,889 7.73%
    Home Improvement 33 $2,085,000 $63,182 $0 8.29%
    Refi 25 $13,395,000 $535,800 $14,049 7.26%

    For 2024, Advancial's most frequently cited loan purpose was Home Purchase, with 341 originations. The 2nd most popular reason was Cash Out Refi, with 78 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 356 $192,890,000 $541,826 $12,976 7.36%
    15 Year 103 $38,975,000 $378,398 $12,998 8.40%
    10 Year 10 $470,000 $47,000 $0 8.44%
    Other 5 $125,000 $25,000 $0 8.13%
    20 Year 1 $335,000 $335,000 $6,760 5.99%
    3 Year 1 $25,000 $25,000 $0 6.67%
    5 Year 1 $55,000 $55,000 $0 8.11%

    For 2024, Advancial's most frequently cited loan duration was 30 Year, with 356 originations. The 2nd most popular length was 15 Year, with 103 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 217 $143,345,000 $660,576
    $1k-2k 141 $63,665,000 $451,525
    $<1k 44 $3,370,000 $76,591
    $4k-5k 29 $5,935,000 $204,655
    $3k-4k 23 $6,665,000 $289,783
    $2k-3k 10 $2,940,000 $294,000

    Advancial's average total fees were $12,976, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 217 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 189 $96,845,000 $512,407
    Over 8% 142 $53,570,000 $377,254
    6-7% 128 $76,760,000 $599,688
    5-6% 17 $5,455,000 $320,882
    4-5% 1 $245,000 $245,000

    During 2024, Advancial's average interest rate for loans was 7.36%, while their most frequently originated rate bucket for loans was 7-8%, with 189 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 140 $41,960,000 $299,714 $9,272 7.44%
    $100k-200k 93 $13,755,000 $147,903 $6,850 7.89%
    $600k-1MM 74 $55,760,000 $753,514 $16,770 7.51%
    $400k-600k 70 $33,010,000 $471,571 $12,862 7.54%
    $1MM+ 55 $85,705,000 $1,558,273 $29,130 7.44%
    $100,000 or less 45 $2,685,000 $59,667 $4,294 8.07%

    2024 saw Advancial place emphasis on $200k-400k loans with 140 originations, totaling $41,960,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 154 $139,030,000 $902,792 $18,921 7.60%
    $150k-250k 122 $50,850,000 $416,803 $12,199 7.63%
    $100k-150k 96 $23,980,000 $249,792 $9,075 7.60%
    $75k-100k 52 $11,030,000 $212,115 $7,726 7.51%
    $50k-75k 38 $6,160,000 $162,105 $7,173 7.76%
    $50k or less 15 $1,825,000 $121,667 $6,542 7.62%

    Advancial lent most frequently to those with incomes in the $250k+ range, with 154 originations. The second most popular income band? $150k-250k, with 122 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 92 $37,160,000 $403,913 $11,834 7.67%
    30-36% 87 $42,485,000 $488,333 $12,330 7.49%
    42% 53 $28,405,000 $535,943 $13,902 7.60%
    <20% 44 $12,290,000 $279,318 $11,950 7.57%
    39% 37 $21,695,000 $586,351 $14,710 7.75%
    37% 30 $16,210,000 $540,333 $15,262 7.43%
    41% 27 $16,005,000 $592,778 $14,691 7.86%
    40% 22 $11,170,000 $507,727 $12,093 7.53%
    38% 20 $9,480,000 $474,000 $13,593 7.48%
    36% 17 $11,365,000 $668,529 $15,888 7.37%
    49% 14 $10,390,000 $742,143 $13,750 7.98%
    46% 7 $3,805,000 $543,571 $11,627 8.25%
    43% 7 $1,525,000 $217,857 $4,759 6.80%
    47% 7 $3,355,000 $479,286 $7,692 8.21%
    44% 4 $2,310,000 $577,500 $11,749 7.38%
    48% 4 $1,910,000 $477,500 $13,425 8.06%
    45% 3 $2,095,000 $698,333 $14,817 7.42%
    50-60% 1 $1,005,000 $1,005,000 $10,000 7.88%
    >60% 1 $215,000 $215,000 $0 9.00%

    Advancial lent most frequently to those with DTI ratios of 20-30%, with 92 originations. The next most common DTI ratio? 30-36%, with 87 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 293 $148,825,000 $507,935 $13,874 7.65%
    Not provided 144 $66,560,000 $462,222 $11,631 7.55%
    Asian 19 $12,585,000 $662,368 $13,612 7.53%
    Black 17 $4,365,000 $256,765 $9,042 7.52%
    American Indian 4 $540,000 $135,000 $9,513 7.87%

    Approval Rates

    Total approvals of all applications
    91.85%

    Advancial has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.36%

    Advancial has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 477 $232,875,000 $488,208

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    477 $232,875,000 $488,208

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 41 $9,225,000 $225,000 $9,438 7.67%
    40-60% 83 $45,765,000 $551,386 $14,138 7.63%
    60-80% 254 $137,080,000 $539,685 $13,386 7.69%
    80-100% 76 $39,210,000 $515,921 $11,670 7.07%
    Under 20% 23 $1,595,000 $69,348 $8,610 8.30%