Castle & Cooke Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 549300JRDGV1559XM376

Tax ID: 20-2928975

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Castle & Cooke Mortgage is a small mortgage company specializing in Home Purchase loans. Castle & Cooke Mortgage 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 by origination volume include: Las Vegas, Denver, Salt Lake City, Ogden, and Phoenix among others. We have data for 161 markets. (Some data included below & more in-depth data is available with an active subscription.)

Castle & Cooke Mortgage 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. Castle & Cooke Mortgage 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 6.65% 4/22/24
30 Year Conventional Refi 6.64% 4/22/24
30 Year Cash-out Refi 6.84% 4/22/24
30 Year FHA Purchase 7.54% 4/22/24
30 Year FHA Refi 7.34% 4/22/24
30 Year VA Purchase 6.44% 4/22/24
30 Year VA Refi 6.29% 4/22/24
30 Year USDA Purchase 7.10% 4/22/24
30 Year USDA Refi 6.27% 4/22/24
15 Year Conventional Purchase 6.45% 4/22/24
15 Year Conventional Refi 6.22% 4/22/24
15 Year Cash-out Refi 6.22% 4/22/24
15 Year FHA Refi 5.68% 4/22/24
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.

Castle & Cooke Mortgage Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Castle & Cooke Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

5,718

Origination Dollar Volume (All Markets)

$1,187,020,000
Show all (8) awards

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
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 726 $149,090,000 $205,358 $5,992 5.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 432 $131,230,000 $303,773 $7,081 4.86%
SALT LAKE CITY, UT (FHA|USDA|VA) 404 $97,260,000 $240,743 $5,256 5.23%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 484 $94,490,000 $195,227 $5,070 5.38%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 387 $68,325,000 $176,550 $6,057 5.26%
BAKERSFIELD, CA (FHA|USDA|VA) 320 $67,840,000 $212,000 $5,637 4.68%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 464 $59,710,000 $128,685 $5,749 5.00%
PROVO-OREM, UT (FHA|USDA|VA) 244 $54,250,000 $222,336 $5,382 5.25%
URBAN HONOLULU, HI (FHA|USDA|VA) 96 $48,940,000 $509,792 $11,565 4.65%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 261 $36,495,000 $139,828 $4,679 5.03%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 61 $32,265,000 $528,934 $11,282 4.70%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 74 $27,420,000 $370,541 $8,051 4.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 122 $26,390,000 $216,311 $6,166 4.73%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 124 $25,600,000 $206,452 $6,703 4.78%
Outside of Metro Areas 158 $18,880,000 $119,494 $4,237 4.97%
COLORADO SPRINGS, CO (FHA|USDA|VA) 70 $16,390,000 $234,143 $5,830 5.06%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 103 $15,705,000 $152,476 $4,117 4.86%
EL PASO, TX (FHA|USDA|VA) 141 $15,455,000 $109,610 $4,902 5.11%
BOISE CITY, ID (FHA|USDA|VA) 83 $13,945,000 $168,012 $5,599 4.82%
Kapaa, HI (FHA|USDA|VA) 30 $13,820,000 $460,667 $6,673 4.73%
ALBUQUERQUE, NM (FHA|USDA|VA) 82 $13,330,000 $162,561 $5,291 5.09%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 60 $12,880,000 $214,667 $8,753 4.86%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 76 $11,670,000 $153,553 $4,761 5.10%
PORT ST. LUCIE, FL (FHA|USDA|VA) 53 $10,255,000 $193,491 $6,384 4.89%
Cedar City, UT (FHA|USDA|VA) 39 $7,315,000 $187,564 $5,558 5.16%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 37 $7,085,000 $191,486 $9,256 4.85%
Scottsbluff, NE (FHA|USDA|VA) 54 $6,480,000 $120,000 $4,094 5.06%
ST. GEORGE, UT (FHA|USDA|VA) 21 $5,305,000 $252,619 $5,480 5.02%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 29 $4,985,000 $171,897 $4,302 4.81%
GREELEY, CO (FHA|USDA|VA) 16 $4,920,000 $307,500 $7,535 4.78%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 26 $4,800,000 $184,615 $6,224 4.88%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 16 $4,100,000 $256,250 $5,540 4.56%
WORCESTER, MA-CT (FHA|USDA|VA) 20 $3,750,000 $187,500 $4,668 5.13%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 7 $3,285,000 $469,286 $15,326 5.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 15 $3,195,000 $213,000 $7,419 4.81%
BOULDER, CO (FHA|USDA|VA) 9 $3,095,000 $343,889 $6,522 5.25%
Heber, UT (FHA|USDA|VA) 7 $2,785,000 $397,857 $6,545 4.80%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $2,565,000 $285,000 $8,777 4.90%
Fremont, NE (FHA|USDA|VA) 26 $2,540,000 $97,692 $3,278 5.51%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 20 $2,480,000 $124,000 $5,178 4.65%
RENO, NV (FHA|USDA|VA) 10 $2,440,000 $244,000 $6,618 5.14%
FORT COLLINS, CO (FHA|USDA|VA) 7 $2,425,000 $346,429 $5,438 5.00%
LOGAN, UT-ID (FHA|USDA|VA) 16 $2,210,000 $138,125 $4,632 5.72%
Breckenridge, CO (FHA|USDA|VA) 4 $1,880,000 $470,000 $8,618 4.75%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,830,000 $915,000 $12,540 4.56%
DAYTON-KETTERING, OH (FHA|USDA|VA) 12 $1,540,000 $128,333 $4,448 5.10%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $1,460,000 $243,333 $6,559 4.85%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 7 $1,305,000 $186,429 $7,989 5.02%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 8 $1,290,000 $161,250 $4,854 5.41%
LINCOLN, NE (FHA|USDA|VA) 9 $1,255,000 $139,444 $3,285 4.06%
Hilo, HI (FHA|USDA|VA) 3 $1,185,000 $395,000 $14,838 4.33%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 7 $1,175,000 $167,857 $4,591 5.34%
Edwards, CO (FHA|USDA|VA) 2 $1,080,000 $540,000 $3,544 5.50%
Vernal, UT (FHA|USDA|VA) 9 $1,065,000 $118,333 $3,239 5.86%
LAS CRUCES, NM (FHA|USDA|VA) 7 $985,000 $140,714 $3,629 5.07%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $950,000 $158,333 $4,839 5.85%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $945,000 $135,000 $6,137 4.57%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $795,000 $265,000 $6,586 4.75%
Oxford, MS (FHA|USDA|VA) 4 $780,000 $195,000 $3,590 4.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $770,000 $128,333 $6,998 5.35%
Okeechobee, FL (FHA|USDA|VA) 6 $750,000 $125,000 $4,943 4.90%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $745,000 $248,333 $3,644 5.08%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $725,000 $241,667 $1,837 5.08%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $660,000 $330,000 $8,321 4.69%
KOKOMO, IN (FHA|USDA|VA) 5 $635,000 $127,000 $2,292 5.45%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $630,000 $157,500 $4,680 5.13%
EL CENTRO, CA (FHA|USDA|VA) 7 $625,000 $89,286 $6,843 4.75%
RACINE, WI (FHA|USDA|VA) 1 $615,000 $615,000 $4,227 4.38%
PUEBLO, CO (FHA|USDA|VA) 5 $615,000 $123,000 $3,101 5.13%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $605,000 $201,667 $7,285 4.08%
VISALIA, CA (FHA|USDA|VA) 3 $605,000 $201,667 $7,893 4.50%
Rockport, TX (FHA|USDA|VA) 3 $555,000 $185,000 $4,740 5.58%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $520,000 $260,000 $6,730 5.38%
COLUMBUS, IN (FHA|USDA|VA) 2 $500,000 $250,000 $3,985 4.81%
Pahrump, NV (FHA|USDA|VA) 3 $465,000 $155,000 $6,229 5.25%
BELLINGHAM, WA (FHA|USDA|VA) 2 $460,000 $230,000 $5,048 4.88%
CARSON CITY, NV (FHA|USDA|VA) 1 $455,000 $455,000 $4,445 5.75%
MODESTO, CA (FHA|USDA|VA) 4 $450,000 $112,500 $6,959 4.04%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $450,000 $225,000 $2,383 4.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $445,000 $445,000 $985 4.25%
Kearney, NE (FHA|USDA|VA) 4 $430,000 $107,500 $4,340 5.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $430,000 $215,000 $6,354 4.94%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $415,000 $415,000 $25,258 4.63%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $405,000 $405,000 $2,010 5.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $405,000 $135,000 $7,399 4.63%
Kerrville, TX (FHA|USDA|VA) 1 $385,000 $385,000 $8,503 4.75%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $385,000 $385,000 $4,952 5.38%
MIDLAND, TX (FHA|USDA|VA) 3 $385,000 $128,333 $6,615 4.94%
Las Vegas, NM (FHA|USDA|VA) 2 $370,000 $185,000 $6,457 5.19%
VALLEJO, CA (FHA|USDA|VA) 3 $355,000 $118,333 $16,837 4.06%
SANTA FE, NM (FHA|USDA|VA) 2 $350,000 $175,000 $2,914 5.00%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $345,000 $345,000 $15,703 4.50%
Rexburg, ID (FHA|USDA|VA) 3 $345,000 $115,000 $2,933 5.04%
Price, UT (FHA|USDA|VA) 3 $345,000 $115,000 $4,586 5.36%
DULUTH, MN-WI (FHA|USDA|VA) 1 $325,000 $325,000 $6,680 4.63%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $325,000 $108,333 $4,154 5.44%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $315,000 $315,000 $3,490 4.88%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $295,000 $295,000 $0 5.75%
MERCED, CA (FHA|USDA|VA) 1 $295,000 $295,000 $5,766 5.25%
Ontario, OR-ID (FHA|USDA|VA) 2 $290,000 $145,000 $6,450 4.56%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $290,000 $145,000 $4,946 5.00%
Uvalde, TX (FHA|USDA|VA) 1 $285,000 $285,000 $14,607 4.63%
BEND, OR (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $275,000 $275,000 $10,631 3.63%
TUCSON, AZ (FHA|USDA|VA) 2 $270,000 $135,000 $4,004 4.56%
Outside of Metro Areas 1 $255,000 $255,000 $3,979 4.63%
Stephenville, TX (FHA|USDA|VA) 1 $255,000 $255,000 $11,165 4.25%
STOCKTON, CA (FHA|USDA|VA) 3 $255,000 $85,000 $13,795 4.06%
AMARILLO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $8,171 3.88%
Steamboat Springs, CO (FHA|USDA|VA) 1 $235,000 $235,000 $3,216 5.50%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $230,000 $115,000 $4,252 5.19%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $225,000 $225,000 $7,030 4.88%
FRESNO, CA (FHA|USDA|VA) 3 $225,000 $75,000 $11,686 4.06%
Gallup, NM (FHA|USDA|VA) 1 $225,000 $225,000 $3,416 5.25%
POCATELLO, ID (FHA|USDA|VA) 1 $225,000 $225,000 $3,865 4.88%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $225,000 $75,000 $3,617 5.19%
Marion, IN (FHA|USDA|VA) 2 $220,000 $110,000 $4,211 4.38%
AKRON, OH (FHA|USDA|VA) 1 $215,000 $215,000 $7,857 4.88%
Roseburg, OR (FHA|USDA|VA) 1 $215,000 $215,000 $924 4.63%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.25%
Show Low, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $3,215 5.25%
Hobbs, NM (FHA|USDA|VA) 1 $205,000 $205,000 $7,757 5.88%
Muscatine, IA (FHA|USDA|VA) 1 $205,000 $205,000 $6,998 5.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $205,000 $205,000 $3,026 4.75%
CaƱon City, CO (FHA|USDA|VA) 2 $200,000 $100,000 $5,870 4.88%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $195,000 $195,000 $3,798 4.63%
HATTIESBURG, MS (FHA|USDA|VA) 1 $195,000 $195,000 $7,001 5.13%
Payson, AZ (FHA|USDA|VA) 2 $190,000 $95,000 $4,641 5.50%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $175,000 $175,000 $7,465 4.75%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.38%
SALEM, OR (FHA|USDA|VA) 1 $175,000 $175,000 $3,934 4.25%
Blackfoot, ID (FHA|USDA|VA) 1 $165,000 $165,000 $7,565 4.75%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $165,000 $165,000 $5,223 4.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $160,000 $80,000 $4,594 5.19%
FOND DU LAC, WI (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $155,000 $155,000 $5,497 4.63%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $145,000 $145,000 $7,592 5.50%
Albemarle, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,463 5.13%
Pearsall, TX (FHA|USDA|VA) 2 $140,000 $70,000 $4,907 5.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $135,000 $135,000 $6,691 4.38%
Greenville, OH (FHA|USDA|VA) 1 $135,000 $135,000 $8,762 4.25%
FLINT, MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,642 3.88%
Wilmington, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,323 5.38%
Crossville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $28 4.13%
FORT WAYNE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,112 4.75%
Lexington, NE (FHA|USDA|VA) 1 $125,000 $125,000 $4,656 5.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $115,000 $115,000 $3,385 5.25%
Mount Vernon, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,766 5.13%
CHEYENNE, WY (FHA|USDA|VA) 1 $115,000 $115,000 $4,320 4.25%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,829 4.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,652 4.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $105,000 $105,000 $4,027 4.50%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,171 5.00%
Jasper, IN (FHA|USDA|VA) 2 $100,000 $50,000 $1,587 5.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
Bedford, IN (FHA|USDA|VA) 1 $85,000 $85,000 $3,113 5.25%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.50%
Bay City, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.50%
Taos, NM (FHA|USDA|VA) 1 $65,000 $65,000 $6,715 5.63%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $65,000 $65,000 $2,923 4.75%
Castle & Cooke Mortgage's top markets include Las Vegas, Denver, Salt Lake City, Ogden, and Phoenix among others.

Their top states include:
  • Utah (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Hawaii (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,610 $715,890,000 $198,307 $4,457 5.14%
    FHA 1,563 $325,995,000 $208,570 $7,995 4.89%
    VA 458 $132,410,000 $289,105 $7,956 4.68%
    USDA 87 $12,725,000 $146,264 $4,807 4.95%

    For 2018, Castle & Cooke Mortgage's most frequently originated type of loan was Conventional, with 3,610 originations. Their 2nd most popular type was FHA, with 1,563 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,616 $918,780,000 $199,042 $5,834 5.06%
    Refi 689 $168,855,000 $245,073 $5,929 4.75%
    Cash Out Refi 411 $99,075,000 $241,058 $6,198 5.06%
    Home Improvement 2 $310,000 $155,000 $6,565 4.88%

    For 2018, Castle & Cooke Mortgage's most frequently cited loan purpose was Home Purchase, with 4,616 originations. The 2nd most popular reason was Refi, with 689 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,232 $1,150,340,000 $219,866 $6,016 5.02%
    10 Year 168 $1,500,000 $8,929 $302 6.32%
    3 Year 129 $1,775,000 $13,760 $175 5.38%
    15 Year 115 $19,985,000 $173,783 $4,575 4.33%
    20 Year 58 $10,770,000 $185,690 $4,459 4.56%
    Other 13 $2,635,000 $202,692 $5,567 4.35%
    5 Year 3 $15,000 $5,000 $0 0.00%

    For 2018, Castle & Cooke Mortgage's most frequently cited loan duration was 30 Year, with 5,232 originations. The 2nd most popular length was 10 Year, with 168 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,552 $343,550,000 $221,360
    $2k-3k 954 $199,050,000 $208,648
    $3k-4k 585 $139,925,000 $239,188
    $5k+ 496 $171,040,000 $344,839
    $<1k 449 $70,095,000 $156,114
    $4k-5k 401 $102,345,000 $255,224

    Castle & Cooke Mortgage's average total fees were $6,016, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,552 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,982 $733,120,000 $245,848
    5-6% 1,844 $397,920,000 $215,792
    7-8% 174 $1,550,000 $8,908
    3-4% 163 $41,315,000 $253,466
    6-7% 101 $8,755,000 $86,683
    <2.5% 49 $295,000 $6,020

    During 2018, Castle & Cooke Mortgage's average interest rate for loans was 5.02%, while their most frequently originated rate bucket for loans was 4-5%, with 2,982 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,384 $644,910,000 $270,516 $6,714 4.93%
    $100k-200k 1,772 $274,380,000 $154,842 $5,163 4.97%
    $100,000 or less 1,125 $35,425,000 $31,489 $2,082 5.62%
    $400k-600k 340 $161,220,000 $474,176 $8,565 4.82%
    $600k-1MM 89 $59,755,000 $671,404 $13,749 4.68%
    $1MM+ 8 $11,330,000 $1,416,250 $6,116 4.64%

    2018 saw Castle & Cooke Mortgage place emphasis on $200k-400k loans with 2,384 originations, totaling $644,910,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,828 $324,840,000 $177,702 $5,759 5.09%
    $50k or less 1,572 $194,490,000 $123,721 $4,820 5.06%
    $75k-100k 984 $236,310,000 $240,152 $6,527 4.99%
    $100k-150k 807 $244,415,000 $302,869 $6,716 4.91%
    $150k-250k 384 $132,160,000 $344,167 $6,931 4.93%
    $250k+ 119 $49,435,000 $415,420 $6,570 4.96%

    Castle & Cooke Mortgage lent most frequently to those with incomes in the $50k-75k range, with 1,828 originations. The second most popular income band? $50k or less, with 1,572 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 835 $170,435,000 $204,114 $5,532 5.00%
    50-60% 667 $138,005,000 $206,904 $7,769 5.02%
    20-30% 636 $138,120,000 $217,170 $5,051 4.90%
    49% 296 $67,910,000 $229,426 $5,807 5.03%
    44% 278 $57,490,000 $206,799 $6,087 5.07%
    43% 276 $54,940,000 $199,058 $5,902 5.13%
    40% 268 $53,910,000 $201,157 $5,649 5.15%
    48% 262 $57,420,000 $219,160 $5,708 5.18%
    42% 258 $49,150,000 $190,504 $5,534 5.02%
    41% 253 $48,115,000 $190,178 $5,688 4.97%
    47% 250 $56,130,000 $224,520 $6,136 5.14%
    45% 248 $51,090,000 $206,008 $5,892 5.07%
    46% 238 $51,260,000 $215,378 $5,725 5.10%
    38% 210 $41,520,000 $197,714 $5,703 4.98%
    39% 208 $45,520,000 $218,846 $5,597 5.05%
    37% 170 $33,190,000 $195,235 $5,643 5.01%
    36% 165 $35,435,000 $214,758 $5,599 5.02%
    <20% 163 $30,745,000 $188,620 $4,351 4.77%
    >60% 37 $6,635,000 $179,324 $7,479 4.78%

    Castle & Cooke Mortgage lent most frequently to those with DTI ratios of 30-36%, with 835 originations. The next most common DTI ratio? 50-60%, with 667 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,175 $871,355,000 $208,708 $5,714 5.03%
    Not provided 729 $148,055,000 $203,093 $5,917 5.05%
    Black 499 $75,925,000 $152,154 $6,123 5.02%
    Asian 202 $68,120,000 $337,228 $8,289 4.87%
    Native Hawaiian or Islander 37 $8,285,000 $223,919 $6,568 5.08%
    American Indian 25 $5,035,000 $201,400 $4,891 5.17%
    Other Asian 29 $4,365,000 $150,517 $4,947 4.82%
    Filipino 10 $2,610,000 $261,000 $5,304 4.91%
    Native Hawaiian 4 $940,000 $235,000 $7,456 3.94%
    Asian Indian 4 $910,000 $227,500 $6,771 4.91%
    Samoan 1 $685,000 $685,000 $22,967 4.38%
    Guamanian 2 $470,000 $235,000 $8,758 4.75%
    Not applicable 1 $265,000 $265,000 $10,061 5.25%

    Approval Rates

    Total approvals of all applications
    94.61%

    Castle & Cooke Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    49.95%

    Castle & Cooke Mortgage 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
    10816.26 1 $405,000 $405,000
    1098.0 1 $355,000 $355,000
    1192.82 1 $65,000 $65,000
    1230.0 1 $75,000 $75,000
    1683.88 1 $215,000 $215,000
    2558.75 1 $185,000 $185,000
    2610.75 1 $185,000 $185,000
    2700.63 1 $275,000 $275,000
    2707.5 1 $245,000 $245,000
    2708.88 1 $215,000 $215,000
    2719.5 1 $215,000 $215,000
    2797.5 1 $235,000 $235,000
    2845.19 1 $165,000 $165,000
    2851.48 1 $95,000 $95,000
    2920.0 1 $265,000 $265,000
    3053.09 1 $225,000 $225,000
    3997.25 1 $165,000 $165,000
    4580.0 1 $225,000 $225,000
    4767.5 1 $275,000 $275,000
    6851.16 1 $245,000 $245,000
    7147.05 1 $485,000 $485,000
    NA 5,697 $1,182,205,000 $207,514

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 4 $670,000 $167,500
    Single Family (1-4 Units):Site-Built 5,714 $1,186,350,000 $207,622

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 86 $13,490,000 $156,860 $4,091 4.75%
    40-60% 241 $51,945,000 $215,539 $4,659 4.78%
    60-80% 1,166 $289,250,000 $248,070 $5,363 4.97%
    80-100% 3,323 $783,675,000 $235,834 $6,463 4.95%
    Over 100% 136 $40,710,000 $299,338 $10,701 4.77%
    Under 20% 766 $7,950,000 $10,379 $292 6.21%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Castle and Cookie Mortgage LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    Castle and Cookie Mortgage LLC FHA mortgage Closing on a mortgage 1 50.0%