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 and Cash Out Refi loans. Advancial has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, New York, Dallas, San Francisco, and Houston among others. We have data for 78 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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.57% | 12/3/24 |
| 30 Year Conventional Refi | 7.14% | 12/3/24 |
| 30 Year Cash-out Refi | 7.23% | 12/3/24 |
| 15 Year Conventional Purchase | 6.07% | 12/3/24 |
| 15 Year Conventional Refi | 5.91% | 12/3/24 |
| 15 Year Cash-out Refi | 5.91% | 12/3/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
328Origination Dollar Volume (All Markets)
$123,340,000Top 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 21 | $13,055,000 | $621,667 | $0 | 5.38% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 24 | $11,520,000 | $480,000 | $0 | 5.78% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 42 | $11,360,000 | $270,476 | $0 | 5.04% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 12 | $9,700,000 | $808,333 | $0 | 5.30% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 30 | $8,800,000 | $293,333 | $0 | 4.72% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 9 | $5,565,000 | $618,333 | $0 | 5.18% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 11 | $5,235,000 | $475,909 | $0 | 5.68% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 17 | $5,025,000 | $295,588 | $0 | 6.01% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $4,575,000 | $653,571 | $0 | 5.30% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 12 | $4,320,000 | $360,000 | $0 | 5.49% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $4,135,000 | $459,444 | $0 | 5.46% |
| Outside of Metro Areas | 10 | $2,830,000 | $283,000 | $0 | 5.41% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $2,695,000 | $539,000 | $0 | 4.83% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $2,655,000 | $241,364 | $0 | 5.65% |
| LAFAYETTE, LA (FHA|USDA|VA) | 12 | $2,340,000 | $195,000 | $0 | 4.76% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $2,200,000 | $550,000 | $0 | 5.44% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $2,095,000 | $698,333 | $0 | 4.88% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $1,655,000 | $551,667 | $0 | 5.29% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $0 | 6.43% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $1,455,000 | $1,455,000 | $0 | 4.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $0 | 5.53% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $0 | 6.44% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $0 | 4.88% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $0 | 5.79% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $0 | 5.71% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $0 | 5.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $0 | 6.38% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $0 | 6.33% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 5.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $0 | 6.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $0 | 5.56% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 5.13% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 5.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 5.63% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 4.88% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 6.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 6.31% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 6.50% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 6.07% |
| Key West, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 4.88% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 5.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 5.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.38% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.63% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 6.44% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 6.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 6.75% |
| TULSA, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.50% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 6.63% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.13% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.75% |
| NILES, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.88% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.25% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.88% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.88% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.50% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.13% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.38% |
| Heber, UT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.88% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.50% |
| Hilo, HI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.50% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.75% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.63% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.38% |
| Outside of Metro Areas | 1 | $85,000 | $85,000 | $0 | 6.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.13% |
| Laconia, NH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.88% |
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 | 328 | $123,340,000 | $376,037 | $0 | 5.43% |
For 2018, Advancial's most frequently originated type of loan was Conventional, with 328 originations.
Loan Reason
For 2018, Advancial's most frequently cited loan purpose was Home Purchase, with 225 originations. The 2nd most popular reason was Cash Out Refi, with 83 originations.
Loan Duration/Length
For 2018, Advancial's most frequently cited loan duration was 30 Year, with 239 originations. The 2nd most popular length was 15 Year, with 77 originations.
Origination Fees/Closing Costs
Advancial's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 162 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 123 | $45,595,000 | $370,691 |
| 4-5% | 120 | $55,190,000 | $459,917 |
| 6-7% | 70 | $17,230,000 | $246,143 |
| 3-4% | 9 | $4,315,000 | $479,444 |
| 7-8% | 5 | $555,000 | $111,000 |
During 2018, Advancial's average interest rate for loans was 5.33%, while their most frequently originated rate bucket for loans was 5-6%, with 123 originations.
Loan Sizing
2018 saw Advancial place emphasis on $200k-400k loans with 101 originations, totaling $29,285,000 in origination value.
Applicant Income
Advancial lent most frequently to those with incomes in the $250k+ range, with 85 originations. The second most popular income band? $150k-250k, with 83 originations.
Applicant Debt to Income Ratio
Advancial lent most frequently to those with DTI ratios of 20-30%, with 101 originations. The next most common DTI ratio? 30-36%, with 68 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.49%
Advancial has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination84.15%
Advancial has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 328 | $123,340,000 | $376,037 |