Caliber Home Loans Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 549300J7XKT2BI5WX213

Tax ID: 13-6131491

2020 Data | 2019 Data | 2018 Data


Overview

Caliber Home Loans is a large mortgage company specializing in Refi and Home Purchase loans. Caliber Home Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Seattle, Washington, Portland, San Diego, and Denver 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. Caliber Home Loans is typically an average fee lendor.


Originations

228,633

Origination Dollar Volume (All Markets)

$70,600,845,000

Relative Rate

Caliber Home Loans 's average 30 year fixed rate mortgage was 3.25%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.11%.

Relative Fees

Caliber Home Loans 's average total fees for a 30 year fixed rate mortgage are $5,400.

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.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 158,762 $50,533,460,000 $318,297 $4,412 3.25%
FHA 39,311 $9,875,225,000 $251,208 $8,015 3.17%
VA 28,054 $9,708,420,000 $346,062 $6,015 2.88%
USDA 2,506 $483,740,000 $193,033 $5,566 3.19%

For the 2020 period, Caliber Home Loans 's most frequently originated loan type was Conventional, with 158,762 originations. Their 2nd most popular type is FHA, with 39,311 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 103,635 $32,197,495,000 $310,682 $4,169 3.09%
Home Purchase 102,625 $31,619,555,000 $308,108 $6,326 3.23%
Cash Out Refi 22,250 $6,763,730,000 $303,988 $5,391 3.45%
Other 123 $20,065,000 $163,130 $68 4.69%

For the 2020, Caliber Home Loans 's most frequently cited loan purpose was Refi, with 103,635 originations. The 2nd most popular reason was Home Purchase, with 102,625 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 204,113 $64,251,445,000 $314,784 $5,422 3.22%
15 Year 14,681 $3,632,795,000 $247,449 $3,744 2.83%
Other 5,260 $1,535,170,000 $291,857 $3,943 3.15%
20 Year 4,089 $1,099,965,000 $269,006 $3,998 3.14%
10 Year 452 $75,430,000 $166,881 $3,133 3.03%
30+ year 37 $5,995,000 $162,027 $0 3.86%
3 Year 1 $45,000 $45,000 $0 4.50%

For the 2020, Caliber Home Loans 's most frequently cited loan length was 30 Year, with 204,113 originations. The 2nd most popular length was 15 Year, with 14,681 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 96,831 $31,189,155,000 $322,099
$<1k 64,721 $18,024,895,000 $278,501
$3k-4k 24,864 $7,435,330,000 $299,040
$2k-3k 21,889 $5,887,385,000 $268,965
$5k+ 18,005 $7,604,185,000 $422,337

$5,400 was Caliber Home Loans 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 96,831 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
SEATTLE-BELLEVUE-KENT, WA 16,683 $7,620,535,000 $456,784 $4,791 3.15%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 7,666 $3,379,950,000 $440,901 $6,415 3.06%
Outside of Metro Areas 14,295 $3,369,675,000 $235,724 $4,799 3.22%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 5,900 $2,046,110,000 $346,798 $4,808 3.13%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 3,625 $1,753,325,000 $483,676 $6,787 3.14%
DENVER-AURORA-LAKEWOOD, CO 4,875 $1,739,175,000 $356,754 $4,412 3.19%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 6,377 $1,644,525,000 $257,884 $6,263 3.24%
LOS ANGELES-LONG BEACH-GLENDALE, CA 3,281 $1,558,925,000 $475,137 $6,589 3.28%
INDIANAPOLIS-CARMEL-ANDERSON, IN 6,516 $1,426,840,000 $218,975 $3,425 3.28%
CHICAGO-NAPERVILLE-EVANSTON, IL 5,397 $1,389,965,000 $257,544 $4,426 3.19%
OAKLAND-BERKELEY-LIVERMORE, CA 2,722 $1,344,520,000 $493,946 $5,325 3.22%
MIAMI-MIAMI BEACH-KENDALL, FL 3,825 $1,198,895,000 $313,437 $7,110 3.27%
PHOENIX-MESA-CHANDLER, AZ 4,322 $1,195,620,000 $276,636 $4,759 3.27%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 3,106 $1,053,710,000 $339,250 $6,117 3.20%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 2,851 $1,028,095,000 $360,609 $5,416 3.16%
BALTIMORE-COLUMBIA-TOWSON, MD 3,009 $991,735,000 $329,590 $5,501 3.11%
DALLAS-PLANO-IRVING, TX 3,376 $983,830,000 $291,419 $6,232 3.20%
TACOMA-LAKEWOOD, WA 2,639 $961,325,000 $364,276 $5,430 3.15%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 2,093 $928,135,000 $443,447 $8,922 3.23%
WARREN-TROY-FARMINGTON HILLS, MI 3,772 $860,790,000 $228,205 $3,546 3.21%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 2,720 $801,600,000 $294,706 $6,841 3.21%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 1,885 $791,975,000 $420,146 $6,060 3.07%
ORLANDO-KISSIMMEE-SANFORD, FL 2,907 $759,875,000 $261,395 $6,612 3.22%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 2,432 $738,590,000 $303,697 $5,999 2.97%
VALLEJO, CA 1,872 $717,950,000 $383,520 $5,648 3.14%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 2,848 $700,790,000 $246,064 $5,804 3.22%
ANAHEIM-SANTA ANA-IRVINE, CA 1,361 $693,805,000 $509,776 $6,346 3.25%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 2,658 $673,770,000 $253,488 $5,111 3.23%
NEW BRUNSWICK-LAKEWOOD, NJ 1,949 $669,345,000 $343,430 $5,416 3.16%
SALT LAKE CITY, UT 2,035 $652,845,000 $320,808 $5,329 3.23%
NEWARK, NJ-PA 1,681 $607,675,000 $361,496 $6,224 3.14%
BELLINGHAM, WA 1,621 $536,715,000 $331,101 $4,921 3.16%
COLORADO SPRINGS, CO 1,730 $523,710,000 $302,723 $5,090 3.08%
URBAN HONOLULU, HI 986 $517,320,000 $524,665 $6,517 3.23%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 1,732 $514,200,000 $296,882 $5,545 3.18%
SAN ANTONIO-NEW BRAUNFELS, TX 1,886 $495,410,000 $262,678 $5,557 3.20%
SANTA ROSA-PETALUMA, CA 1,029 $447,375,000 $434,767 $4,900 3.13%
NASSAU COUNTY-SUFFOLK COUNTY, NY 1,024 $433,230,000 $423,076 $9,841 3.17%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 1,425 $399,365,000 $280,256 $6,337 3.21%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 1,501 $395,355,000 $263,394 $4,572 3.16%
CINCINNATI, OH-KY-IN 1,927 $382,275,000 $198,378 $4,311 3.23%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 722 $370,420,000 $513,047 $5,043 3.27%
SALEM, OR 1,189 $350,425,000 $294,722 $5,094 3.18%
PROVO-OREM, UT 1,077 $343,365,000 $318,816 $5,335 3.20%
JACKSONVILLE, FL 1,342 $336,130,000 $250,469 $5,831 3.21%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 564 $327,090,000 $579,947 $5,374 3.27%
OGDEN-CLEARFIELD, UT 1,059 $324,785,000 $306,690 $5,143 3.21%
NORTH PORT-SARASOTA-BRADENTON, FL 1,199 $314,305,000 $262,139 $6,206 3.18%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 1,271 $309,155,000 $243,238 $5,431 3.20%
LAS VEGAS-HENDERSON-PARADISE, NV 1,074 $301,320,000 $280,559 $5,307 3.29%
BEND, OR 875 $292,555,000 $334,349 $4,647 3.16%
ANCHORAGE, AK 883 $287,785,000 $325,917 $5,864 3.11%
BOSTON, MA 713 $282,235,000 $395,842 $6,870 3.23%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 1,155 $277,985,000 $240,680 $5,535 3.24%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 754 $263,490,000 $349,456 $5,400 3.13%
FORT COLLINS, CO 799 $260,955,000 $326,602 $3,764 3.16%
DETROIT-DEARBORN-LIVONIA, MI 1,378 $256,570,000 $186,190 $3,641 3.26%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 626 $248,580,000 $397,093 $5,524 3.14%
CHICO, CA 834 $247,290,000 $296,511 $4,409 3.21%
OXNARD-THOUSAND OAKS-VENTURA, CA 526 $245,820,000 $467,338 $6,436 3.20%
COLUMBUS, OH 1,118 $245,570,000 $219,651 $5,498 3.20%
GREELEY, CO 790 $244,370,000 $309,329 $4,381 3.17%
CAMDEN, NJ 983 $243,235,000 $247,442 $5,307 3.17%
OLYMPIA-LACEY-TUMWATER, WA 723 $229,615,000 $317,586 $5,207 3.10%
SAN LUIS OBISPO-PASO ROBLES, CA 526 $227,050,000 $431,654 $5,197 3.22%
SPOKANE-SPOKANE VALLEY, WA 829 $225,635,000 $272,177 $4,770 3.20%
ELGIN, IL 968 $224,500,000 $231,921 $4,340 3.14%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 830 $223,340,000 $269,084 $4,928 3.18%
MEDFORD, OR 749 $222,235,000 $296,709 $5,027 3.14%
PROVIDENCE-WARWICK, RI-MA 787 $211,475,000 $268,710 $5,824 3.21%
BOULDER, CO 539 $207,685,000 $385,315 $3,935 3.29%
RICHMOND, VA 743 $206,235,000 $277,571 $4,479 3.05%
SANTA MARIA-SANTA BARBARA, CA 464 $205,210,000 $442,263 $5,402 3.20%
LAKELAND-WINTER HAVEN, FL 957 $203,955,000 $213,119 $6,433 3.29%
BOISE CITY, ID 710 $201,510,000 $283,817 $4,850 3.14%
RENO, NV 623 $199,955,000 $320,955 $4,269 3.23%
YAKIMA, WA 728 $192,000,000 $263,736 $4,907 3.18%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 772 $191,750,000 $248,381 $4,029 3.15%
ST. LOUIS, MO-IL 879 $185,475,000 $211,007 $3,744 3.21%
CHATTANOOGA, TN-GA 835 $183,765,000 $220,078 $4,583 3.23%
STOCKTON, CA 506 $183,350,000 $362,352 $5,417 3.17%
BAKERSFIELD, CA 708 $182,810,000 $258,206 $5,424 3.14%
PEORIA, IL 1,155 $180,835,000 $156,567 $3,410 3.21%
WENATCHEE, WA 572 $180,720,000 $315,944 $4,546 3.26%
PORTLAND-SOUTH PORTLAND, ME 605 $178,805,000 $295,545 $4,064 3.12%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 622 $176,850,000 $284,325 $6,464 3.13%
SALISBURY, MD-DE 639 $175,895,000 $275,266 $5,120 3.18%
KANSAS CITY, MO-KS 787 $174,155,000 $221,290 $3,581 3.23%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 686 $172,500,000 $251,458 $4,634 3.22%
SEBASTIAN-VERO BEACH, FL 713 $170,225,000 $238,745 $5,202 3.26%
MOUNT VERNON-ANACORTES, WA 496 $169,240,000 $341,210 $5,900 3.20%
ALBUQUERQUE, NM 713 $168,465,000 $236,276 $4,265 3.24%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 732 $166,940,000 $228,060 $6,017 3.20%
NEW ORLEANS-METAIRIE, LA 702 $164,830,000 $234,801 $5,928 3.30%
OCEAN CITY, NJ 495 $160,365,000 $323,970 $4,498 3.25%
DAYTON-KETTERING, OH 924 $160,220,000 $173,398 $4,150 3.23%
PALM BAY-MELBOURNE-TITUSVILLE, FL 666 $159,590,000 $239,625 $5,130 3.30%
RALEIGH-CARY, NC 586 $159,130,000 $271,553 $4,265 3.13%
BRIDGEPORT-STAMFORD-NORWALK, CT 451 $152,845,000 $338,902 $6,585 3.25%
CORPUS CHRISTI, TX 634 $146,660,000 $231,325 $6,560 3.21%
KENNEWICK-RICHLAND, WA 512 $145,110,000 $283,418 $4,328 3.17%
CAPE CORAL-FORT MYERS, FL 608 $143,290,000 $235,674 $6,044 3.19%
VISALIA, CA 543 $135,975,000 $250,414 $4,868 2.97%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 581 $133,045,000 $228,993 $5,388 3.20%
LANCASTER, PA 596 $132,010,000 $221,493 $5,013 3.19%
BIRMINGHAM-HOOVER, AL 543 $129,645,000 $238,757 $4,320 3.31%
SAN RAFAEL, CA 236 $123,370,000 $522,754 $5,262 3.15%
PORT ST. LUCIE, FL 501 $121,525,000 $242,565 $5,886 3.22%
PANAMA CITY, FL 489 $121,395,000 $248,252 $5,665 3.26%
ATLANTIC CITY-HAMMONTON, NJ 569 $121,185,000 $212,979 $4,793 3.24%
SALINAS, CA 286 $118,810,000 $415,420 $5,948 3.12%
ST. GEORGE, UT 381 $116,255,000 $305,131 $5,263 3.27%
CHARLESTON-NORTH CHARLESTON, SC 391 $112,325,000 $287,276 $5,315 3.14%
GRANTS PASS, OR 384 $112,150,000 $292,057 $5,092 3.24%
EUGENE-SPRINGFIELD, OR 356 $106,050,000 $297,893 $5,431 3.30%
WILMINGTON, DE-MD-NJ 393 $102,355,000 $260,445 $5,333 3.15%
OMAHA-COUNCIL BLUFFS, NE-IA 442 $98,880,000 $223,710 $3,909 3.16%
LOGAN, UT-ID 365 $98,605,000 $270,151 $4,813 3.04%
CLEVELAND-ELYRIA, OH 493 $94,715,000 $192,120 $4,321 3.18%
NAPLES-MARCO ISLAND, FL 302 $94,360,000 $312,450 $6,271 3.24%
MILWAUKEE-WAUKESHA, WI 402 $93,670,000 $233,010 $3,517 3.30%
ALBANY-LEBANON, OR 350 $93,610,000 $267,457 $5,617 3.16%
TUCSON, AZ 393 $92,485,000 $235,331 $4,533 3.16%
NAPA, CA 203 $92,475,000 $455,542 $4,730 3.21%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 434 $91,130,000 $209,977 $3,696 3.30%
FRESNO, CA 338 $90,890,000 $268,905 $4,891 3.20%
GARY, IN 427 $86,825,000 $203,337 $3,971 3.33%
MODESTO, CA 301 $84,915,000 $282,110 $5,083 3.17%
PHILADELPHIA, PA 336 $84,440,000 $251,310 $5,740 3.20%
SHREVEPORT-BOSSIER CITY, LA 383 $80,655,000 $210,587 $5,327 3.12%
BATON ROUGE, LA 374 $79,790,000 $213,342 $5,892 3.29%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 237 $79,605,000 $335,886 $6,038 3.12%
GRAND RAPIDS-KENTWOOD, MI 373 $78,835,000 $211,354 $4,047 3.24%
OKLAHOMA CITY, OK 381 $77,515,000 $203,451 $4,994 3.33%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 352 $74,960,000 $212,955 $4,516 3.31%
KAHULUI-WAILUKU-LAHAINA, HI 139 $74,095,000 $533,058 $6,049 3.24%
COLUMBIA, SC 348 $72,170,000 $207,385 $4,449 3.21%
NEW HAVEN-MILFORD, CT 302 $71,400,000 $236,424 $5,463 3.27%
COEUR D'ALENE, ID 214 $70,030,000 $327,243 $5,410 3.15%
PUNTA GORDA, FL 317 $66,755,000 $210,584 $6,194 3.19%
MEMPHIS, TN-MS-AR 287 $65,705,000 $228,937 $4,851 3.09%
WORCESTER, MA-CT 232 $64,000,000 $275,862 $5,279 3.13%
WILMINGTON, NC 234 $63,280,000 $270,427 $4,181 3.16%
FARGO, ND-MN 283 $62,395,000 $220,477 $4,588 3.13%
GREENSBORO-HIGH POINT, NC 298 $60,360,000 $202,550 $4,520 3.40%
BUFFALO-CHEEKTOWAGA, NY 311 $60,015,000 $192,974 $5,443 3.26%
ANN ARBOR, MI 232 $59,690,000 $257,284 $3,465 3.18%
LAFAYETTE-WEST LAFAYETTE, IN 328 $59,670,000 $181,921 $3,883 3.34%
SPARTANBURG, SC 283 $57,765,000 $204,117 $5,265 3.11%
TULSA, OK 271 $56,545,000 $208,653 $5,538 3.22%
HUNTSVILLE, AL 252 $55,000,000 $218,254 $4,959 3.14%
DURHAM-CHAPEL HILL, NC 217 $52,555,000 $242,189 $4,891 3.24%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 187 $52,415,000 $280,294 $7,018 3.18%
PITTSBURGH, PA 241 $52,245,000 $216,784 $5,320 3.08%
FORT WAYNE, IN 293 $51,265,000 $174,966 $3,584 3.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 251 $50,245,000 $200,179 $4,008 3.06%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 158 $49,980,000 $316,329 $5,579 3.12%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 332 $48,420,000 $145,843 $3,780 3.19%
HILTON HEAD ISLAND-BLUFFTON, SC 141 $46,705,000 $331,241 $4,788 3.26%
PENSACOLA-FERRY PASS-BRENT, FL 198 $46,010,000 $232,374 $4,479 3.13%
SPRINGFIELD, OH 279 $45,265,000 $162,240 $4,263 3.24%
GRAND JUNCTION, CO 178 $44,990,000 $252,753 $3,794 3.25%
PRESCOTT VALLEY-PRESCOTT, AZ 172 $44,150,000 $256,686 $4,449 3.22%
FLINT, MI 249 $44,085,000 $177,048 $4,214 3.34%
DES MOINES-WEST DES MOINES, IA 201 $43,195,000 $214,900 $3,720 3.04%
LONGVIEW, WA 147 $43,195,000 $293,844 $4,734 3.16%
GREENVILLE-ANDERSON, SC 190 $43,100,000 $226,842 $4,662 3.17%
CALIFORNIA-LEXINGTON PARK, MD 131 $43,005,000 $328,282 $6,431 3.03%
SANTA CRUZ-WATSONVILLE, CA 81 $41,815,000 $516,235 $5,658 3.15%
MOBILE, AL 220 $41,740,000 $189,727 $5,133 3.27%
TRENTON-PRINCETON, NJ 159 $41,665,000 $262,044 $5,049 3.19%
KNOXVILLE, TN 189 $41,375,000 $218,915 $4,660 3.17%
DOVER, DE 173 $41,165,000 $237,948 $5,278 3.12%
MANCHESTER-NASHUA, NH 145 $41,055,000 $283,138 $5,959 3.16%
FAYETTEVILLE, NC 206 $40,620,000 $197,184 $3,699 3.05%
YUBA CITY, CA 131 $39,235,000 $299,504 $5,842 3.13%
MONTGOMERY, AL 176 $38,300,000 $217,614 $4,474 3.20%
FAIRBANKS, AK 134 $37,850,000 $282,463 $6,193 3.06%
KILLEEN-TEMPLE, TX 204 $37,810,000 $185,343 $4,558 3.38%
YORK-HANOVER, PA 152 $37,450,000 $246,382 $5,695 3.21%
EL PASO, TX 208 $36,860,000 $177,212 $5,669 3.33%
OCALA, FL 200 $36,500,000 $182,500 $5,117 3.32%
ALBANY-SCHENECTADY-TROY, NY 162 $35,010,000 $216,111 $6,734 3.20%
READING, PA 171 $34,815,000 $203,596 $6,282 3.18%
CORVALLIS, OR 112 $33,880,000 $302,500 $5,613 3.19%
MADISON, WI 127 $33,365,000 $262,717 $4,331 3.09%
LAKE HAVASU CITY-KINGMAN, AZ 153 $33,335,000 $217,876 $4,253 3.34%
BISMARCK, ND 132 $33,290,000 $252,197 $3,851 3.12%
JACKSONVILLE, NC 165 $32,325,000 $195,909 $4,849 2.93%
AKRON, OH 185 $32,205,000 $174,081 $4,595 3.27%
HUNTINGTON-ASHLAND, WV-KY-OH 193 $32,165,000 $166,658 $3,699 3.37%
TYLER, TX 148 $32,020,000 $216,351 $4,727 3.13%
WINSTON-SALEM, NC 163 $31,995,000 $196,288 $4,276 3.31%
ASHEVILLE, NC 113 $31,515,000 $278,894 $5,913 3.08%
JACKSON, MS 138 $30,730,000 $222,681 $4,684 3.08%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 187 $30,695,000 $164,144 $5,048 3.30%
TOLEDO, OH 178 $30,530,000 $171,517 $4,334 3.25%
SHERMAN-DENISON, TX 131 $29,435,000 $224,695 $5,449 3.27%
REDDING, CA 107 $29,315,000 $273,972 $5,420 3.08%
CLARKSVILLE, TN-KY 129 $29,255,000 $226,783 $4,131 3.10%
MUNCIE, IN 217 $29,235,000 $134,724 $3,238 3.31%
EVANSVILLE, IN-KY 182 $28,830,000 $158,407 $3,817 3.30%
AUGUSTA-RICHMOND COUNTY, GA-SC 130 $28,360,000 $218,154 $4,020 3.04%
SCRANTON--WILKES-BARRE, PA 168 $27,770,000 $165,298 $5,454 3.36%
DAPHNE-FAIRHOPE-FOLEY, AL 117 $27,485,000 $234,915 $4,765 3.23%
GAINESVILLE, FL 129 $26,385,000 $204,535 $5,495 3.23%
HAGERSTOWN-MARTINSBURG, MD-WV 112 $26,000,000 $232,143 $5,531 3.22%
ROCHESTER, NY 135 $25,835,000 $191,370 $6,753 3.30%
HOMOSASSA SPRINGS, FL 149 $25,475,000 $170,973 $5,079 3.45%
SIOUX FALLS, SD 109 $25,165,000 $230,872 $4,909 2.94%
MERCED, CA 93 $24,495,000 $263,387 $5,263 3.20%
GREENVILLE, NC 142 $24,430,000 $172,042 $5,631 3.39%
LAFAYETTE, LA 116 $24,270,000 $209,224 $5,153 3.40%
PUEBLO, CO 101 $23,425,000 $231,931 $4,488 3.20%
FOND DU LAC, WI 147 $23,355,000 $158,878 $3,193 3.34%
LANSING-EAST LANSING, MI 132 $23,160,000 $175,455 $3,445 3.24%
HATTIESBURG, MS 116 $23,040,000 $198,621 $5,514 3.04%
BARNSTABLE TOWN, MA 71 $22,785,000 $320,915 $5,753 3.16%
IDAHO FALLS, ID 98 $22,680,000 $231,429 $5,228 3.21%
LAKE CHARLES, LA 107 $22,295,000 $208,364 $5,492 3.51%
EAST STROUDSBURG, PA 111 $21,785,000 $196,261 $5,284 3.18%
LEWISTON, ID-WA 79 $21,145,000 $267,658 $5,283 3.20%
TALLAHASSEE, FL 95 $21,065,000 $221,737 $4,915 3.18%
EL CENTRO, CA 81 $20,895,000 $257,963 $5,902 3.11%
LEXINGTON-FAYETTE, KY 95 $20,815,000 $219,105 $4,445 3.11%
COLLEGE STATION-BRYAN, TX 90 $20,750,000 $230,556 $3,933 3.20%
HAMMOND, LA 110 $20,510,000 $186,455 $6,537 3.38%
SAVANNAH, GA 83 $19,665,000 $236,928 $4,205 3.09%
HARRISBURG-CARLISLE, PA 95 $19,575,000 $206,053 $5,703 3.14%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 90 $18,950,000 $210,556 $4,312 3.17%
GAINESVILLE, GA 78 $18,550,000 $237,821 $5,177 3.21%
CANTON-MASSILLON, OH 114 $18,500,000 $162,281 $4,632 3.23%
KINGSPORT-BRISTOL, TN-VA 101 $18,325,000 $181,436 $5,124 3.18%
MADERA, CA 65 $18,055,000 $277,769 $5,290 3.15%
MUSKEGON, MI 108 $17,430,000 $161,389 $3,517 3.43%
ROCHESTER, MN 74 $16,950,000 $229,054 $4,821 3.08%
SPRINGFIELD, MA 77 $16,885,000 $219,286 $4,956 3.22%
CHARLOTTESVILLE, VA 55 $15,975,000 $290,455 $4,410 3.09%
LYNCHBURG, VA 64 $14,920,000 $233,125 $3,348 3.09%
SPRINGFIELD, MO 77 $14,865,000 $193,052 $2,788 2.94%
KALAMAZOO-PORTAGE, MI 73 $14,825,000 $203,082 $3,275 3.34%
FLAGSTAFF, AZ 49 $14,595,000 $297,857 $4,865 3.20%
BLACKSBURG-CHRISTIANSBURG, VA 64 $14,290,000 $223,281 $5,709 3.14%
WINCHESTER, VA-WV 53 $14,265,000 $269,151 $4,640 2.98%
SEBRING-AVON PARK, FL 83 $13,805,000 $166,325 $4,797 3.30%
NORWICH-NEW LONDON, CT 56 $13,590,000 $242,679 $5,169 3.19%
ROANOKE, VA 60 $13,570,000 $226,167 $4,188 3.06%
GULFPORT-BILOXI, MS 73 $13,295,000 $182,123 $4,101 3.16%
LAS CRUCES, NM 61 $12,995,000 $213,033 $4,157 3.26%
DULUTH, MN-WI 65 $12,815,000 $197,154 $4,441 3.16%
MIDLAND, TX 43 $12,795,000 $297,558 $5,837 3.26%
MONROE, MI 63 $12,765,000 $202,619 $4,134 3.24%
MCALLEN-EDINBURG-MISSION, TX 68 $12,690,000 $186,618 $5,282 3.21%
TUSCALOOSA, AL 60 $12,350,000 $205,833 $4,089 3.09%
BLOOMINGTON, IN 63 $12,265,000 $194,683 $4,189 3.19%
WARNER ROBINS, GA 52 $12,260,000 $235,769 $3,939 3.13%
CEDAR RAPIDS, IA 56 $12,200,000 $217,857 $3,077 2.94%
WACO, TX 56 $11,980,000 $213,929 $4,762 3.34%
HOUMA-THIBODAUX, LA 61 $11,875,000 $194,672 $6,079 3.40%
SANTA FE, NM 38 $11,390,000 $299,737 $5,198 3.20%
WICHITA, KS 63 $11,355,000 $180,238 $3,854 3.03%
JACKSON, MI 53 $11,095,000 $209,340 $4,152 3.16%
BURLINGTON, NC 61 $11,075,000 $181,557 $5,414 3.40%
HANFORD-CORCORAN, CA 47 $10,875,000 $231,383 $4,962 3.04%
CAPE GIRARDEAU, MO-IL 55 $10,695,000 $194,455 $4,790 3.08%
STATE COLLEGE, PA 45 $10,695,000 $237,667 $6,544 3.19%
JONESBORO, AR 67 $10,455,000 $156,045 $4,327 3.22%
AUBURN-OPELIKA, AL 47 $10,295,000 $219,043 $3,856 3.24%
LEBANON, PA 54 $10,210,000 $189,074 $4,861 3.24%
AMARILLO, TX 50 $10,080,000 $201,600 $4,470 3.02%
LAREDO, TX 54 $9,970,000 $184,630 $5,578 3.03%
LEWISTON-AUBURN, ME 51 $9,835,000 $192,843 $3,981 3.02%
LUBBOCK, TX 47 $9,665,000 $205,638 $4,267 3.28%
MICHIGAN CITY-LA PORTE, IN 50 $9,480,000 $189,600 $4,147 3.24%
CHEYENNE, WY 33 $9,275,000 $281,061 $4,412 3.18%
VINELAND-BRIDGETON, NJ 59 $9,165,000 $155,339 $4,928 3.60%
ABILENE, TX 54 $9,140,000 $169,259 $5,508 3.51%
CARSON CITY, NV 24 $9,020,000 $375,833 $3,764 3.24%
THE VILLAGES, FL 41 $8,985,000 $219,146 $4,799 3.24%
ROCKFORD, IL 53 $8,955,000 $168,962 $3,948 3.23%
CLEVELAND, TN 43 $8,645,000 $201,047 $4,754 3.24%
YUMA, AZ 39 $8,415,000 $215,769 $4,336 3.21%
DECATUR, AL 42 $8,190,000 $195,000 $5,790 3.30%
HICKORY-LENOIR-MORGANTON, NC 35 $8,135,000 $232,429 $4,016 3.06%
TERRE HAUTE, IN 49 $8,075,000 $164,796 $4,196 3.21%
LINCOLN, NE 38 $8,060,000 $212,105 $4,600 3.20%
LONGVIEW, TX 36 $7,490,000 $208,056 $4,691 3.02%
RAPID CITY, SD 33 $7,335,000 $222,273 $4,130 3.10%
BLOOMINGTON, IL 41 $7,225,000 $176,220 $3,713 3.16%
STAUNTON, VA 31 $7,175,000 $231,452 $3,248 3.02%
ATHENS-CLARKE COUNTY, GA 36 $7,160,000 $198,889 $4,599 3.18%
SPRINGFIELD, IL 41 $7,085,000 $172,805 $3,997 3.16%
SOUTH BEND-MISHAWAKA, IN-MI 43 $7,005,000 $162,907 $3,650 3.19%
SUMTER, SC 36 $6,970,000 $193,611 $5,162 3.05%
JANESVILLE-BELOIT, WI 33 $6,885,000 $208,636 $3,955 3.18%
BEAUMONT-PORT ARTHUR, TX 33 $6,775,000 $205,303 $4,736 3.13%
COLUMBUS, GA-AL 35 $6,695,000 $191,286 $2,915 3.13%
JOHNSON CITY, TN 34 $6,610,000 $194,412 $4,838 3.15%
ELKHART-GOSHEN, IN 35 $6,465,000 $184,714 $3,542 3.27%
RACINE, WI 30 $6,390,000 $213,000 $4,037 3.28%
APPLETON, WI 33 $6,325,000 $191,667 $3,591 3.21%
SYRACUSE, NY 39 $6,295,000 $161,410 $4,998 3.42%
WALLA WALLA, WA 27 $6,285,000 $232,778 $4,097 3.22%
POCATELLO, ID 28 $6,280,000 $224,286 $5,207 3.34%
MORRISTOWN, TN 32 $6,090,000 $190,313 $4,869 3.22%
CHAMBERSBURG-WAYNESBORO, PA 26 $6,080,000 $233,846 $5,392 3.07%
MONROE, LA 35 $6,065,000 $173,286 $5,996 3.67%
GETTYSBURG, PA 27 $6,045,000 $223,889 $5,094 3.15%
BROWNSVILLE-HARLINGEN, TX 33 $6,045,000 $183,182 $4,539 3.12%
COLUMBUS, IN 29 $5,975,000 $206,034 $4,238 3.21%
OSHKOSH-NEENAH, WI 32 $5,900,000 $184,375 $3,998 3.36%
GREEN BAY, WI 32 $5,440,000 $170,000 $3,195 3.17%
WILLIAMSPORT, PA 30 $5,420,000 $180,667 $6,404 3.41%
BILLINGS, MT 20 $5,360,000 $268,000 $5,559 2.95%
WICHITA FALLS, TX 25 $5,345,000 $213,800 $3,651 3.17%
TEXARKANA, TX-AR 28 $5,330,000 $190,357 $3,484 3.30%
NILES, MI 26 $5,190,000 $199,615 $4,417 3.31%
GLENS FALLS, NY 27 $5,145,000 $190,556 $6,578 3.28%
ST. CLOUD, MN 27 $5,085,000 $188,333 $4,831 3.09%
GRAND FORKS, ND-MN 20 $5,010,000 $250,500 $5,450 3.29%
MACON-BIBB COUNTY, GA 26 $4,970,000 $191,154 $3,916 3.10%
SIERRA VISTA-DOUGLAS, AZ 27 $4,905,000 $181,667 $3,780 3.25%
ODESSA, TX 27 $4,825,000 $178,704 $5,286 3.32%
FORT SMITH, AR-OK 24 $4,800,000 $200,000 $3,405 3.01%
KINGSTON, NY 19 $4,775,000 $251,316 $6,797 3.21%
BRUNSWICK, GA 16 $4,640,000 $290,000 $6,409 3.00%
BOWLING GREEN, KY 25 $4,635,000 $185,400 $3,743 3.11%
ELIZABETHTOWN-FORT KNOX, KY 23 $4,625,000 $201,087 $3,543 2.98%
HOT SPRINGS, AR 25 $4,545,000 $181,800 $3,697 3.45%
COLUMBIA, MO 24 $4,530,000 $188,750 $3,836 3.28%
VALDOSTA, GA 26 $4,520,000 $173,846 $3,823 3.33%
TOPEKA, KS 26 $4,420,000 $170,000 $3,739 3.22%
ALEXANDRIA, LA 24 $4,380,000 $182,500 $4,572 3.26%
SHEBOYGAN, WI 20 $4,370,000 $218,500 $3,288 3.33%
SAN ANGELO, TX 21 $4,305,000 $205,000 $4,138 3.04%
KANKAKEE, IL 23 $4,185,000 $181,957 $4,220 3.15%
CHAMPAIGN-URBANA, IL 21 $4,175,000 $198,810 $2,575 3.15%
JACKSON, TN 26 $4,160,000 $160,000 $3,880 3.11%
BANGOR, ME 21 $4,135,000 $196,905 $4,443 3.11%
MANSFIELD, OH 26 $4,100,000 $157,692 $3,688 3.30%
ROCKY MOUNT, NC 19 $3,855,000 $202,895 $4,700 3.10%
NEW BERN, NC 19 $3,855,000 $202,895 $4,380 3.36%
JOPLIN, MO 26 $3,630,000 $139,615 $3,587 3.60%
HARRISONBURG, VA 18 $3,590,000 $199,444 $3,902 2.96%
DALTON, GA 18 $3,510,000 $195,000 $4,765 3.13%
WAUSAU-WESTON, WI 17 $3,335,000 $196,176 $3,183 3.43%
MANKATO, MN 19 $3,295,000 $173,421 $4,284 3.09%
LAWTON, OK 21 $3,235,000 $154,048 $3,735 3.00%
MISSOULA, MT 10 $3,130,000 $313,000 $4,108 2.94%
GADSDEN, AL 19 $3,035,000 $159,737 $2,844 2.98%
IOWA CITY, IA 13 $3,035,000 $233,462 $2,576 2.96%
FLORENCE, SC 20 $2,990,000 $149,500 $4,020 3.76%
GOLDSBORO, NC 17 $2,985,000 $175,588 $3,352 2.92%
AMES, IA 18 $2,950,000 $163,889 $3,092 3.05%
ALBANY, GA 18 $2,950,000 $163,889 $5,723 2.91%
FARMINGTON, NM 15 $2,745,000 $183,000 $5,322 3.30%
SAGINAW, MI 17 $2,735,000 $160,882 $3,935 3.72%
KOKOMO, IN 16 $2,680,000 $167,500 $3,227 3.04%
BURLINGTON-SOUTH BURLINGTON, VT 8 $2,650,000 $331,250 $4,506 3.01%
DOTHAN, AL 14 $2,620,000 $187,143 $3,561 3.17%
VICTORIA, TX 12 $2,480,000 $206,667 $4,678 3.36%
BINGHAMTON, NY 20 $2,440,000 $122,000 $5,418 3.52%
ERIE, PA 17 $2,435,000 $143,235 $4,565 3.11%
TWIN FALLS, ID 13 $2,295,000 $176,538 $3,514 3.28%
HINESVILLE, GA 12 $2,270,000 $189,167 $3,311 2.92%
LAWRENCE, KS 10 $2,270,000 $227,000 $4,646 3.29%
PITTSFIELD, MA 6 $2,120,000 $353,333 $4,933 2.95%
UTICA-ROME, NY 11 $1,915,000 $174,091 $6,576 3.32%
MIDLAND, MI 12 $1,910,000 $159,167 $3,483 3.09%
CHARLESTON, WV 10 $1,900,000 $190,000 $4,233 3.72%
FLORENCE-MUSCLE SHOALS, AL 8 $1,890,000 $236,250 $3,990 3.35%
ST. JOSEPH, MO-KS 11 $1,875,000 $170,455 $3,455 3.31%
EAU CLAIRE, WI 10 $1,870,000 $187,000 $3,911 3.16%
ANNISTON-OXFORD, AL 8 $1,820,000 $227,500 $6,791 3.29%
CASPER, WY 9 $1,785,000 $198,333 $4,746 2.85%
ALTOONA, PA 11 $1,725,000 $156,818 $4,505 2.93%
BATTLE CREEK, MI 13 $1,675,000 $128,846 $3,399 3.43%
CARBONDALE-MARION, IL 7 $1,575,000 $225,000 $3,194 3.09%
ROME, GA 8 $1,560,000 $195,000 $4,977 3.19%
GREAT FALLS, MT 7 $1,555,000 $222,143 $7,085 2.96%
DUBUQUE, IA 10 $1,540,000 $154,000 $2,807 2.97%
DECATUR, IL 8 $1,500,000 $187,500 $6,061 3.01%
LA CROSSE-ONALASKA, WI-MN 7 $1,385,000 $197,857 $4,984 2.96%
CUMBERLAND, MD-WV 8 $1,340,000 $167,500 $3,026 3.51%
DANVILLE, IL 13 $1,315,000 $101,154 $2,916 3.41%
WHEELING, WV-OH 6 $1,200,000 $200,000 $4,685 3.18%
MORGANTOWN, WV 4 $1,140,000 $285,000 $5,223 2.81%
MANHATTAN, KS 5 $1,055,000 $211,000 $2,563 2.94%
SIOUX CITY, IA-NE-SD 4 $960,000 $240,000 $3,294 2.98%
JOHNSTOWN, PA 9 $915,000 $101,667 $3,429 4.12%
BAY CITY, MI 7 $905,000 $129,286 $5,778 3.61%
WATERTOWN-FORT DRUM, NY 4 $840,000 $210,000 $6,866 3.47%
OWENSBORO, KY 5 $805,000 $161,000 $4,290 3.18%
WEIRTON-STEUBENVILLE, WV-OH 4 $800,000 $200,000 $3,802 3.24%
JEFFERSON CITY, MO 5 $725,000 $145,000 $2,253 3.22%
WATERLOO-CEDAR FALLS, IA 4 $720,000 $180,000 $4,723 2.97%
BLOOMSBURG-BERWICK, PA 4 $660,000 $165,000 $4,349 2.94%
LIMA, OH 6 $620,000 $103,333 $3,936 3.29%
PINE BLUFF, AR 3 $565,000 $188,333 $4,739 3.49%
GRAND ISLAND, NE 3 $545,000 $181,667 $1,539 2.83%
PARKERSBURG-VIENNA, WV 3 $505,000 $168,333 $1,674 2.83%
ENID, OK 3 $445,000 $148,333 $4,721 2.97%
ITHACA, NY 1 $265,000 $265,000 $4,465 2.88%
BECKLEY, WV 2 $250,000 $125,000 $1,720 3.13%
ELMIRA, NY 1 $185,000 $185,000 $3,438 2.25%

Caliber Home Loans 's top markets include Seattle, Washington, Portland, San Diego, and Denver among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 107,894 $32,733,340,000 $303,384
2.5-3% 97,014 $30,988,590,000 $319,424
<2.5% 11,654 $3,752,570,000 $321,998
4-5% 10,291 $2,628,195,000 $255,388
5-6% 1,522 $409,220,000 $268,870
6-7% 123 $55,865,000 $454,187
Over 8% 83 $19,225,000 $231,627
7-8% 50 $13,740,000 $274,800

During 2020, Caliber Home Loans 's average interest rate was 3.25%, while their most frequently originated rate bucket was 3-4%, with 107,894 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 117,698 $33,980,320,000 $288,708 $5,209 3.15%
$100k-200k 51,616 $8,100,570,000 $156,939 $4,194 3.28%
$400k-600k 41,889 $19,909,035,000 $475,281 $6,035 3.12%
$600k-1MM 9,983 $6,994,775,000 $700,669 $8,281 3.21%
$100,000 or less 6,613 $510,525,000 $77,200 $3,324 3.62%
$1MM+ 834 $1,105,620,000 $1,325,683 $13,723 3.40%

2020 saw Caliber Home Loans place emphasis on $200k-400k loans with 117,698 originations, totaling $33,980,320,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 49,701 $17,416,825,000 $350,432 $5,381 3.20%
$50k-75k 43,724 $10,265,060,000 $234,769 $5,373 3.23%
$75k-100k 38,676 $11,281,130,000 $291,683 $5,446 3.22%
$150k-250k 32,713 $13,720,205,000 $419,411 $5,383 3.20%
$50k or less 23,802 $3,889,330,000 $163,403 $4,820 3.28%
$250k+ 10,543 $5,318,685,000 $504,475 $5,798 3.27%

Caliber Home Loans lent most frequently to those with incomes in the $100k-150k range, with 49,701 originations. The second most popular income band? $50k-75k, with 43,724 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 42,231 $13,027,865,000 $308,491 $4,415 3.16%
30-36% 36,287 $11,356,065,000 $312,951 $5,017 3.22%
<20% 13,846 $4,045,390,000 $292,170 $3,925 3.10%
44% 9,560 $2,915,890,000 $305,009 $5,766 3.32%
50-60% 9,327 $2,942,045,000 $315,433 $9,176 3.14%
43% 8,419 $2,571,775,000 $305,473 $5,586 3.31%
42% 8,205 $2,622,285,000 $319,596 $5,633 3.30%
41% 7,944 $2,485,740,000 $312,908 $5,508 3.28%
40% 7,517 $2,348,175,000 $312,382 $5,406 3.28%
39% 7,444 $2,323,850,000 $312,178 $5,739 3.26%
38% 7,073 $2,201,585,000 $311,266 $5,299 3.26%
49% 6,891 $2,186,535,000 $317,303 $6,250 3.24%
37% 6,848 $2,158,600,000 $315,216 $5,251 3.24%
36% 6,670 $2,082,060,000 $312,153 $5,128 3.25%
45% 6,446 $2,014,020,000 $312,445 $5,712 3.27%
47% 5,732 $1,807,590,000 $315,351 $5,990 3.25%
48% 5,706 $1,809,330,000 $317,093 $6,103 3.24%
46% 5,649 $1,786,995,000 $316,338 $5,914 3.24%
>60% 365 $172,495,000 $472,589 $11,019 3.00%

Caliber Home Loans lent most frequently to those with DTI ratios of 20-30%, with 42,231 originations. The next most common DTI ratio? 30-36%, with 36,287 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 162,458 $49,155,410,000 $302,573 $5,211 3.21%
Not provided 36,701 $11,796,165,000 $321,413 $5,094 3.13%
Asian 12,521 $4,546,765,000 $363,131 $5,030 3.15%
Black 12,727 $3,586,545,000 $281,806 $6,335 3.23%
American Indian 1,388 $410,170,000 $295,512 $5,532 3.20%
Asian Indian 664 $281,820,000 $424,428 $5,034 3.08%
Native Hawaiian 570 $207,260,000 $363,614 $5,793 3.19%
Filipino 441 $176,255,000 $399,671 $6,030 3.15%
Other Asian 371 $133,195,000 $359,016 $5,558 3.14%
Chinese 238 $101,270,000 $425,504 $4,533 3.09%
Korean 152 $62,150,000 $408,882 $4,900 3.06%
Japanese 127 $46,475,000 $365,945 $4,768 3.12%
Vietnamese 109 $38,825,000 $356,193 $5,438 3.12%
Other Pacific Islander 92 $30,990,000 $336,848 $5,638 3.12%
Guamanian 28 $10,630,000 $379,643 $8,238 2.92%
Native Hawiian 22 $8,250,000 $375,000 $5,300 3.16%
Samoan 18 $6,590,000 $366,111 $6,415 3.03%
6 $2,080,000 $346,667 $7,897 3.02%

Approval Rates

Total approvals of all applications
95.03%

Caliber Home Loans has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
65.77%

Caliber Home Loans has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 228,633 $70,600,845,000 $308,796

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 3,163 $626,205,000 $197,978
Single Family (1-4 Units):Site-Built 225,470 $69,974,640,000 $310,350

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 6,382 $1,548,160,000 $242,582 $3,675 3.06%
40-60% 25,098 $7,651,660,000 $304,871 $3,873 3.10%
60-80% 71,265 $23,226,655,000 $325,920 $4,505 3.27%
80-100% 119,118 $35,875,760,000 $301,178 $5,819 3.18%
Over 100% 6,126 $2,198,190,000 $358,830 $10,205 2.92%
Under 20% 518 $79,680,000 $153,822 $2,922 3.23%