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: Dallas, Houston, New York, San Francisco, and Miami among others. We have data for 122 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 an average 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 about average 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% | 11/22/24 |
| 30 Year Conventional Refi | 7.14% | 11/22/24 |
| 30 Year Cash-out Refi | 7.23% | 11/22/24 |
| 15 Year Conventional Purchase | 6.07% | 11/22/24 |
| 15 Year Conventional Refi | 5.91% | 11/22/24 |
| 15 Year Cash-out Refi | 5.91% | 11/22/24 |
| 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
765Origination Dollar Volume (All Markets)
$249,385,000Awards
ADVANCIAL - 2019
ADVANCIAL is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 130 | $33,660,000 | $258,923 | $4,903 | 4.29% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 73 | $19,785,000 | $271,027 | $5,130 | 4.14% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 51 | $19,755,000 | $387,353 | $8,609 | 5.78% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 18 | $19,320,000 | $1,073,333 | $6,692 | 4.95% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 36 | $10,060,000 | $279,444 | $5,763 | 5.49% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 14 | $9,060,000 | $647,143 | $5,165 | 4.91% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 19 | $8,505,000 | $447,632 | $5,454 | 4.49% |
| LAFAYETTE, LA (FHA|USDA|VA) | 57 | $8,415,000 | $147,632 | $3,908 | 4.46% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 10 | $5,680,000 | $568,000 | $5,365 | 5.35% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 15 | $5,415,000 | $361,000 | $5,453 | 5.78% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $5,300,000 | $883,333 | $16,306 | 4.71% |
| ANCHORAGE, AK (FHA|USDA|VA) | 19 | $5,265,000 | $277,105 | $4,517 | 4.03% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $5,175,000 | $575,000 | $5,802 | 4.51% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 15 | $5,135,000 | $342,333 | $3,591 | 4.98% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 9 | $4,805,000 | $533,889 | $9,451 | 5.49% |
| Heber, UT (FHA|USDA|VA) | 8 | $4,610,000 | $576,250 | $8,652 | 5.45% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 12 | $4,290,000 | $357,500 | $6,797 | 5.31% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 18 | $3,360,000 | $186,667 | $4,916 | 5.55% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $3,070,000 | $767,500 | $4,176 | 4.16% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 14 | $3,040,000 | $217,143 | $5,481 | 5.28% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 8 | $2,950,000 | $368,750 | $4,735 | 5.16% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $2,300,000 | $287,500 | $5,439 | 5.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $2,190,000 | $547,500 | $4,059 | 3.88% |
| Outside of Metro Areas | 12 | $2,150,000 | $179,167 | $4,652 | 4.33% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $2,110,000 | $351,667 | $7,187 | 4.73% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 11 | $1,985,000 | $180,455 | $4,710 | 4.05% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $1,985,000 | $283,571 | $3,973 | 5.05% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $1,965,000 | $655,000 | $5,294 | 5.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $1,920,000 | $480,000 | $8,779 | 4.19% |
| WENATCHEE, WA (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $4,415 | 6.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $1,785,000 | $198,333 | $5,659 | 5.61% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $5,654 | 5.81% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $1,615,000 | $538,333 | $7,651 | 5.04% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $4,924 | 4.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $5,348 | 5.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $5,046 | 5.63% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $1,235,000 | $1,235,000 | $3,884 | 4.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $3,838 | 5.68% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $3,624 | 5.53% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $19,974 | 4.13% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $6,780 | 4.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $3,837 | 4.33% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $4,247 | 5.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $5,707 | 5.92% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $6,436 | 5.41% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $5,667 | 5.31% |
| NAPA, CA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 5.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $9,789 | 4.69% |
| Hilo, HI (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,828 | 5.69% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,142 | 6.17% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $5,064 | 5.38% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $3,821 | 5.48% |
| BEND, OR (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,199 | 4.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,628 | 6.25% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,783 | 4.50% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $11,295 | 4.75% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,972 | 4.25% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $5,096 | 5.75% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,349 | 5.63% |
| Athens, TX (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,736 | 3.50% |
| Opelousas, LA (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $3,344 | 4.01% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $5,887 | 5.38% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,047 | 5.13% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,561 | 6.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,532 | 3.13% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,234 | 3.13% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,144 | 4.25% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,065 | 5.69% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,297 | 5.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,669 | 4.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,659 | 5.16% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $14,597 | 4.13% |
| TYLER, TX (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $4,081 | 4.29% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,924 | 3.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,224 | 4.75% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,144 | 5.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,527 | 4.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,870 | 5.63% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,949 | 5.63% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,578 | 4.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,649 | 4.88% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,545 | 5.50% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,458 | 5.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,114 | 6.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,904 | 4.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,582 | 4.75% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,082 | 6.06% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,118 | 5.13% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,744 | 4.13% |
| SALEM, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,634 | 5.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,206 | 4.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,131 | 5.63% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,054 | 5.38% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,459 | 4.88% |
| Dublin, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,634 | 3.88% |
| Taos, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,861 | 6.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,709 | 3.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,039 | 5.88% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,269 | 5.75% |
| TULSA, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,136 | 4.63% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,390 | 5.13% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,845 | 5.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,060 | 6.38% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,671 | 3.63% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,628 | 4.25% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,052 | 5.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,278 | 6.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,994 | 5.88% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,477 | 4.38% |
| Rutland, VT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,957 | 6.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,853 | 3.38% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,661 | 5.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,553 | 6.25% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,966 | 3.13% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,276 | 4.88% |
| Henderson, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,336 | 6.13% |
| Jennings, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,685 | 3.38% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,293 | 3.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,069 | 5.75% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,151 | 3.00% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.34% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.87% |
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 | 765 | $249,385,000 | $325,993 | $5,454 | 4.83% |
For 2019, Advancial's most frequently originated type of loan was Conventional, with 765 originations.
Loan Reason
For 2019, Advancial's most frequently cited loan purpose was Home Purchase, with 457 originations. The 2nd most popular reason was Cash Out Refi, with 202 originations.
Loan Duration/Length
For 2019, Advancial's most frequently cited loan duration was 30 Year, with 542 originations. The 2nd most popular length was 15 Year, with 175 originations.
Origination Fees/Closing Costs
Advancial's average total fees were $5,533, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 373 originations.
Interest Rates
During 2019, Advancial's average interest rate for loans was 4.80%, while their most frequently originated rate bucket for loans was 5-6%, with 247 originations.
Loan Sizing
2019 saw Advancial place emphasis on $200k-400k loans with 263 originations, totaling $75,685,000 in origination value.
Applicant Income
Advancial lent most frequently to those with incomes in the $150k-250k range, with 221 originations. The second most popular income band? $100k-150k, with 176 originations.
Applicant Debt to Income Ratio
Advancial lent most frequently to those with DTI ratios of 20-30%, with 215 originations. The next most common DTI ratio? 30-36%, with 164 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.30%
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 origination84.05%
Advancial has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 765 | $249,385,000 | $325,993 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 1 | $125,000 | $125,000 |
| Single Family (1-4 Units):Site-Built | 764 | $249,260,000 | $326,257 |