Atlanta Postal Mortgage Rates, Fees & Info

Atlanta, GA

LEI: 549300JGK6WNKYXQ0821

Tax ID: 58-0146810

5 stars - out of 5 stars, based on 24 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & 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 by origination volume include: Atlanta, Columbus, Charlotte, Athens, and Rome among others. We have data for 116 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Atlanta Postal has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Atlanta Postal 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.

    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 6.67% 3/19/23
    30 Year Conventional Refi 6.63% 3/19/23
    30 Year Cash-out Refi 6.63% 3/19/23
    30 Year VA Purchase 6.26% 3/19/23
    30 Year VA Refi 6.42% 3/19/23
    15 Year Conventional Purchase 7.26% 3/19/23
    15 Year Conventional Refi 6.18% 3/19/23
    15 Year Cash-out Refi 6.18% 3/19/23
    15 Year VA Purchase 5.90% 3/19/23
    15 Year VA Refi 6.31% 3/19/23
    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.


    Originations

    591

    Origination Dollar Volume (All Markets)

    $105,255,000

    Awards

    ATLANTA POSTAL 30 Year Conventional Loans silver
    Show all (1) awards

    Relative Rate

    Atlanta Postal's average 30 year fixed mortgage rate was 3.17%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.02%.

    Relative Fees (Closing Costs)

    Atlanta Postal's average total fees/closing costs for a 30 year fixed rate mortgage were $3,355.

    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 $4,750.

    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
    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.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against ATLANTA POSTAL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Emory Alliance Credit Union
    Similarity Rank: 305
    Credence Funding Corporation
    Similarity Rank: 707
    AMERICAN HOME MORTGAGE, INC.
    Similarity Rank: 1218
    Queensborough National Bank & Trust Company
    Similarity Rank: 1950
    Aurora Financial, LLC
    Similarity Rank: 2263
    First American Bank and Trust Company
    Similarity Rank: 2288
    POWERCO
    Similarity Rank: 2296
    CDC Federal Credit Union
    Similarity Rank: 2496
    LGE COMMUNITY
    Similarity Rank: 2755
    LOANFLIGHT LENDING, LLC
    Similarity Rank: 3380

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 573 $101,685,000 $177,461 $2,931 3.03%
    VA 18 $3,570,000 $198,333 $4,264 2.83%

    For 2021, Atlanta Postal's most frequently originated type of loan was Conventional, with 573 originations. Their 2nd most popular type was VA, with 18 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Atlanta Postal's most frequently cited loan purpose was Cash Out Refi, with 306 originations. The 2nd most popular reason was 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 2021, Atlanta Postal's most frequently cited loan duration was 30 Year, with 267 originations. The 2nd most popular length was 15 Year, with 156 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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

    Atlanta Postal's average total fees were $3,355, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.17%, while their most frequently originated rate bucket for loans was 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 applications
    76.88%

    Atlanta Postal has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    68.53%

    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%