Atlanta Postal Mortgage Rates, Fees & Info
Atlanta, GALEI: 549300JGK6WNKYXQ0821
Tax ID: 58-0146810
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Atlanta Postal is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Atlanta Postal has a high proportion of conventional loans. Their top markets include Atlanta, Columbus, Charlotte, Athens, and Rome among others. Atlanta Postal has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Atlanta Postal is typically an average fee lendor.Originations
591Origination Dollar Volume (All Markets)
$105,255,000Awards
ATLANTA POSTAL - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
Atlanta Postal's average 30 year fixed rate mortgage of loans were
3.17%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.02%.
Relative Fees
Atlanta Postal's average total fees for a 30 year fixed rate
mortgage are $3,355.
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 $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 287 | $49,685,000 | $173,118 | $2,766 | 3.06% |
| Outside of Metro Areas | 57 | $10,165,000 | $178,333 | $2,931 | 2.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 15 | $1,875,000 | $125,000 | $2,660 | 2.74% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $1,710,000 | $213,750 | $4,125 | 3.06% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $3,047 | 3.27% |
| ROME, GA (FHA|USDA|VA) | 9 | $1,595,000 | $177,222 | $2,575 | 3.10% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $4,292 | 3.04% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $3,649 | 2.94% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $3,582 | 2.91% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 10 | $1,070,000 | $107,000 | $2,228 | 2.60% |
| SAVANNAH, GA (FHA|USDA|VA) | 7 | $965,000 | $137,857 | $2,404 | 3.90% |
| Jefferson, GA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $3,264 | 2.94% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $3,495 | 2.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $3,262 | 3.68% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,307 | 2.71% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $4,159 | 2.63% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,754 | 3.13% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,179 | 2.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $675,000 | $96,429 | $2,603 | 3.09% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $3,431 | 3.08% |
| Cornelia, GA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $2,607 | 3.67% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,328 | 2.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $3,864 | 2.71% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,376 | 3.13% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $2,954 | 2.91% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,023 | 3.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $3,234 | 2.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,392 | 2.83% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,819 | 2.88% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,226 | 2.76% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,765 | 2.88% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,843 | 3.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,111 | 3.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,735 | 3.13% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,237 | 2.81% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,123 | 3.13% |
| Cedartown, GA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,046 | 3.58% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,319 | 2.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,214 | 3.38% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,976 | 2.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $2,551 | 2.76% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,952 | 3.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,106 | 2.79% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,711 | 3.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,081 | 3.13% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,298 | 3.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,155 | 2.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,612 | 2.88% |
| Ozark, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,739 | 2.88% |
| OCALA, FL (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $3,559 | 2.71% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,946 | 2.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,151 | 2.50% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,055 | 3.81% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,706 | 3.38% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,497 | 3.13% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,030 | 2.63% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,657 | 3.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,044 | 2.38% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,190 | 2.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,794 | 2.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,455 | 2.63% |
| Seneca, SC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,793 | 2.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,677 | 3.81% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,745 | 2.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 3.13% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,520 | 2.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,740 | 3.63% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,217 | 2.95% |
| DALTON, GA (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $2,837 | 2.96% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,029 | 2.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,303 | 2.75% |
| Granbury, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,024 | 3.13% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,922 | 2.63% |
| Batesville, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 2.88% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,378 | 2.38% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,464 | 2.45% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,101 | 2.88% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,896 | 3.51% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,181 | 2.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,730 | 3.51% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,758 | 3.38% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,359 | 2.88% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,863 | 2.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,489 | 3.13% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,570 | 2.38% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,044 | 3.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,212 | 2.88% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,097 | 2.88% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,868 | 2.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,155 | 2.63% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,346 | 2.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,513 | 2.88% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,524 | 2.38% |
| Columbus, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,174 | 2.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,851 | 3.13% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,912 | 3.13% |
| Paragould, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,870 | 2.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,595 | 2.38% |
| Cullman, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,887 | 2.88% |
| DuBois, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,409 | 2.38% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,265 | 2.63% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,050 | 2.38% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,865 | 2.88% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,745 | 2.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,864 | 2.38% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,697 | 2.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,550 | 2.75% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,674 | 2.63% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,831 | 2.78% |
| Jasper, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,833 | 2.63% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,625 | 4.50% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,692 | 2.53% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,571 | 4.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,587 | 3.26% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,485 | 2.28% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,445 | 6.00% |
Atlanta Postal's top markets include Atlanta, Columbus, Charlotte, Athens, and Rome among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 573 | $101,685,000 | $177,461 | $2,931 | 3.03% |
| VA | 18 | $3,570,000 | $198,333 | $4,264 | 2.83% |
For the 2021 period, Atlanta Postal's most frequently originated loan type of loans were Conventional, with 573 originations. Their 2nd most popular type is VA, with 18 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 306 | $55,290,000 | $180,686 | $2,883 | 2.96% |
| Refi | 122 | $18,840,000 | $154,426 | $2,674 | 2.82% |
| Home Purchase | 96 | $21,920,000 | $228,333 | $3,809 | 3.15% |
| Other | 38 | $4,290,000 | $112,895 | $2,195 | 3.64% |
| Home Improvement | 29 | $4,915,000 | $169,483 | $2,935 | 3.28% |
For the 2021, Atlanta Postal's most frequently cited loan purpose of loans were Cash Out Refi, with 306 originations. The 2nd most popular reason of loans were Refi, with 122 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 267 | $57,835,000 | $216,610 | $3,355 | 3.17% |
| 15 Year | 156 | $21,530,000 | $138,013 | $2,689 | 2.79% |
| 20 Year | 90 | $17,480,000 | $194,222 | $2,819 | 2.99% |
| 10 Year | 72 | $7,090,000 | $98,472 | $2,210 | 2.98% |
| 5 Year | 3 | $135,000 | $45,000 | $1,859 | 3.76% |
| Other | 3 | $1,185,000 | $395,000 | $3,789 | 2.63% |
For the 2021, Atlanta Postal's most frequently cited loan length of loans were 30 Year, with 267 originations. The 2nd most popular length of loans were 15 Year, with 156 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 297 | $63,205,000 | $212,811 |
| $<1k | 287 | $39,395,000 | $137,265 |
| $2k-3k | 7 | $2,655,000 | $379,286 |
$3,355 of loans were Atlanta Postal's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 297 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 271 | $50,615,000 | $186,771 |
| 3-4% | 180 | $37,490,000 | $208,278 |
| <2.5% | 97 | $12,935,000 | $133,351 |
| 4-5% | 25 | $2,445,000 | $97,800 |
| 5-6% | 16 | $1,670,000 | $104,375 |
| 6-7% | 2 | $100,000 | $50,000 |
During 2021, Atlanta Postal's average interest rate of loans were 3.17%, while their most frequently originated rate bucket of loans were 2.5-3%, with 271 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 248 | $35,800,000 | $144,355 | $2,768 | 2.93% |
| $200k-400k | 178 | $47,750,000 | $268,258 | $3,631 | 2.95% |
| $100,000 or less | 139 | $8,835,000 | $63,561 | $2,177 | 3.26% |
| $400k-600k | 23 | $10,765,000 | $468,043 | $4,082 | 2.98% |
| $600k-1MM | 3 | $2,105,000 | $701,667 | $4,886 | 4.08% |
2021 saw Atlanta Postal place emphasis on $100k-200k loans with 248 originations, totaling $35,800,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 165 | $24,475,000 | $148,333 | $2,816 | 3.04% |
| $100k-150k | 134 | $28,550,000 | $213,060 | $3,240 | 2.93% |
| $75k-100k | 126 | $20,620,000 | $163,651 | $2,865 | 3.09% |
| $50k or less | 84 | $9,330,000 | $111,071 | $2,612 | 2.91% |
| $150k-250k | 70 | $17,520,000 | $250,286 | $3,089 | 3.14% |
| $250k+ | 11 | $4,645,000 | $422,273 | $3,723 | 3.28% |
Atlanta Postal lent most frequently to those with incomes in the $50k-75k range, with 165 originations. The second most popular income band? $100k-150k, with 134 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 162 | $28,760,000 | $177,531 | $2,862 | 2.93% |
| 30-36% | 111 | $19,365,000 | $174,459 | $2,952 | 2.99% |
| <20% | 87 | $14,175,000 | $162,931 | $2,815 | 2.88% |
| 44% | 24 | $4,510,000 | $187,917 | $3,002 | 3.25% |
| 37% | 23 | $3,505,000 | $152,391 | $2,846 | 2.85% |
| 41% | 21 | $3,325,000 | $158,333 | $2,947 | 3.17% |
| 43% | 21 | $3,925,000 | $186,905 | $3,095 | 3.13% |
| 36% | 20 | $4,190,000 | $209,500 | $2,929 | 3.14% |
| 42% | 19 | $3,265,000 | $171,842 | $2,789 | 3.13% |
| 39% | 17 | $3,485,000 | $205,000 | $3,889 | 3.23% |
| 38% | 13 | $2,355,000 | $181,154 | $2,864 | 3.09% |
| 49% | 13 | $1,815,000 | $139,615 | $2,859 | 3.38% |
| 46% | 13 | $2,565,000 | $197,308 | $2,770 | 3.47% |
| 40% | 13 | $2,565,000 | $197,308 | $3,019 | 3.36% |
| 48% | 12 | $3,330,000 | $277,500 | $3,821 | 2.92% |
| 47% | 8 | $1,730,000 | $216,250 | $3,400 | 2.88% |
| 45% | 6 | $1,360,000 | $226,667 | $3,449 | 3.10% |
| 50-60% | 6 | $670,000 | $111,667 | $2,317 | 3.46% |
| >60% | 1 | $245,000 | $245,000 | $2,455 | 2.63% |
Atlanta Postal lent most frequently to those with DTI ratios of 20-30%, with 162 originations. The next most common DTI ratio? 30-36%, with 111 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 325 | $59,595,000 | $183,369 | $3,037 | 3.00% |
| Black | 165 | $25,275,000 | $153,182 | $2,715 | 3.10% |
| Not provided | 92 | $18,560,000 | $201,739 | $2,968 | 2.97% |
| American Indian | 2 | $490,000 | $245,000 | $4,383 | 2.88% |
| Asian Indian | 2 | $440,000 | $220,000 | $2,629 | 2.63% |
| Other Pacific Islander | 2 | $310,000 | $155,000 | $3,311 | 3.31% |
| Vietnamese | 1 | $255,000 | $255,000 | $4,071 | 3.13% |
| Samoan | 1 | $175,000 | $175,000 | $2,555 | 3.65% |
| Asian | 1 | $155,000 | $155,000 | $3,481 | 4.25% |
Approval Rates
Total approvals of all applications75.51%
Atlanta Postal has a below average approval rate.
Pick Rate
Approvals leading to origination62.22%
Atlanta Postal 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 | 591 | $105,255,000 | $178,096 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 591 | $105,255,000 | $178,096 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 56 | $5,460,000 | $97,500 | $2,388 | 3.16% |
| 40-60% | 104 | $14,540,000 | $139,808 | $2,744 | 2.93% |
| 60-80% | 261 | $49,915,000 | $191,245 | $2,857 | 2.94% |
| 80-100% | 144 | $33,870,000 | $235,208 | $3,703 | 2.96% |
| Over 100% | 1 | $275,000 | $275,000 | $0 | 2.88% |
| Under 20% | 25 | $1,195,000 | $47,800 | $1,736 | 4.35% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ATLANTIC HOME LOANS INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
| ATLANTIC HOME LOANS INC. | FHA mortgage | Closing on a mortgage | 2 | 50.0% |
| ATLANTIC HOME LOANS INC. | Conventional home mortgage | Trouble during payment process | 1 | 25.0% |
