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 and Refi 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, Ogden, Denver, Phoenix, and Salt Lake City among others. We have data for 160 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

5,822

Origination Dollar Volume (All Markets)

$1,333,440,000
Show all (12) 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) 1,041 $251,715,000 $241,801 $5,448 4.12%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 519 $120,975,000 $233,092 $5,166 4.63%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 333 $103,745,000 $311,547 $7,600 4.17%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 445 $86,335,000 $194,011 $5,061 3.84%
SALT LAKE CITY, UT (FHA|USDA|VA) 296 $81,500,000 $275,338 $5,426 4.55%
URBAN HONOLULU, HI (FHA|USDA|VA) 119 $59,685,000 $501,555 $7,631 4.01%
BAKERSFIELD, CA (FHA|USDA|VA) 258 $55,750,000 $216,085 $4,615 3.76%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 105 $55,545,000 $529,000 $11,054 4.19%
PROVO-OREM, UT (FHA|USDA|VA) 202 $51,850,000 $256,683 $5,622 4.54%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 308 $43,950,000 $142,695 $4,400 3.78%
BOISE CITY, ID (FHA|USDA|VA) 146 $34,170,000 $234,041 $7,292 4.06%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 183 $32,175,000 $175,820 $4,058 4.31%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 203 $29,935,000 $147,463 $3,726 4.26%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 157 $28,845,000 $183,726 $5,121 3.72%
Outside of Metro Areas 206 $28,170,000 $136,748 $4,392 6.17%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 113 $27,585,000 $244,115 $5,415 4.04%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 133 $25,445,000 $191,316 $6,885 3.63%
Kapaa, HI (FHA|USDA|VA) 47 $22,105,000 $470,319 $6,407 4.10%
EL PASO, TX (FHA|USDA|VA) 172 $19,160,000 $111,395 $3,663 3.56%
PORT ST. LUCIE, FL (FHA|USDA|VA) 60 $12,920,000 $215,333 $6,060 4.40%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 71 $12,715,000 $179,085 $5,202 4.51%
COLORADO SPRINGS, CO (FHA|USDA|VA) 45 $11,505,000 $255,667 $5,627 4.53%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 30 $9,570,000 $319,000 $6,863 4.03%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 36 $8,360,000 $232,222 $6,911 4.06%
Scottsbluff, NE (FHA|USDA|VA) 51 $8,275,000 $162,255 $4,309 4.16%
Cedar City, UT (FHA|USDA|VA) 41 $8,165,000 $199,146 $4,943 4.47%
ST. GEORGE, UT (FHA|USDA|VA) 30 $7,800,000 $260,000 $5,784 4.44%
WORCESTER, MA-CT (FHA|USDA|VA) 35 $6,015,000 $171,857 $4,569 4.41%
Fremont, NE (FHA|USDA|VA) 43 $5,875,000 $136,628 $3,991 4.72%
ALBUQUERQUE, NM (FHA|USDA|VA) 30 $4,440,000 $148,000 $4,957 4.77%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 27 $3,555,000 $131,667 $3,893 3.64%
Heber, UT (FHA|USDA|VA) 7 $3,295,000 $470,714 $6,842 4.21%
Hilo, HI (FHA|USDA|VA) 8 $3,130,000 $391,250 $6,955 4.09%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $3,105,000 $238,846 $8,017 4.18%
GREELEY, CO (FHA|USDA|VA) 10 $2,860,000 $286,000 $7,779 4.11%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $2,665,000 $380,714 $8,396 5.25%
BOULDER, CO (FHA|USDA|VA) 5 $2,515,000 $503,000 $7,983 4.05%
LAS CRUCES, NM (FHA|USDA|VA) 12 $1,820,000 $151,667 $4,061 4.06%
RENO, NV (FHA|USDA|VA) 6 $1,810,000 $301,667 $5,168 4.90%
LOGAN, UT-ID (FHA|USDA|VA) 9 $1,725,000 $191,667 $5,824 5.29%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $1,510,000 $188,750 $3,295 5.13%
EL CENTRO, CA (FHA|USDA|VA) 16 $1,490,000 $93,125 $4,795 2.92%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 7 $1,475,000 $210,714 $6,205 4.38%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 8 $1,370,000 $171,250 $4,345 4.07%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,360,000 $680,000 $11,457 3.56%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $1,330,000 $332,500 $9,403 4.41%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 7 $1,315,000 $187,857 $3,668 4.32%
Price, UT (FHA|USDA|VA) 9 $1,215,000 $135,000 $5,432 5.35%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,170,000 $585,000 $7,092 4.19%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $1,160,000 $580,000 $7,742 3.94%
LINCOLN, NE (FHA|USDA|VA) 5 $1,015,000 $203,000 $3,621 4.78%
Rockport, TX (FHA|USDA|VA) 4 $940,000 $235,000 $4,949 4.44%
FORT COLLINS, CO (FHA|USDA|VA) 3 $925,000 $308,333 $7,739 4.38%
Breckenridge, CO (FHA|USDA|VA) 2 $900,000 $450,000 $12,318 3.75%
MADERA, CA (FHA|USDA|VA) 1 $885,000 $885,000 $16,657 4.63%
COLUMBIA, SC (FHA|USDA|VA) 5 $855,000 $171,000 $5,865 4.50%
VISALIA, CA (FHA|USDA|VA) 3 $855,000 $285,000 $4,356 3.88%
Vernal, UT (FHA|USDA|VA) 4 $820,000 $205,000 $5,548 4.03%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $815,000 $271,667 $7,692 3.92%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $790,000 $197,500 $4,665 4.81%
PUEBLO, CO (FHA|USDA|VA) 5 $765,000 $153,000 $5,932 5.10%
BLOOMINGTON, IN (FHA|USDA|VA) 5 $705,000 $141,000 $4,895 4.53%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $675,000 $225,000 $2,272 3.92%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $655,000 $218,333 $4,621 4.25%
COLUMBUS, OH (FHA|USDA|VA) 7 $645,000 $92,143 $2,961 6.13%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $640,000 $320,000 $5,214 4.50%
Kearney, NE (FHA|USDA|VA) 3 $625,000 $208,333 $5,701 3.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $595,000 $198,333 $7,109 4.50%
Pahrump, NV (FHA|USDA|VA) 3 $575,000 $191,667 $3,899 4.54%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $570,000 $285,000 $5,221 4.56%
Edwards, CO (FHA|USDA|VA) 1 $555,000 $555,000 $17,195 4.50%
Rock Springs, WY (FHA|USDA|VA) 1 $545,000 $545,000 $7,933 4.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $545,000 $181,667 $4,261 4.29%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $530,000 $265,000 $7,677 4.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $525,000 $175,000 $4,442 4.63%
MEDFORD, OR (FHA|USDA|VA) 1 $485,000 $485,000 $6,367 5.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $480,000 $240,000 $4,854 5.13%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $475,000 $158,333 $3,636 4.79%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $470,000 $235,000 $4,975 4.19%
POCATELLO, ID (FHA|USDA|VA) 2 $460,000 $230,000 $7,986 4.00%
Kerrville, TX (FHA|USDA|VA) 2 $460,000 $230,000 $4,931 4.56%
Moscow, ID (FHA|USDA|VA) 1 $435,000 $435,000 $4,012 4.50%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $435,000 $435,000 $6,907 3.00%
New Castle, IN (FHA|USDA|VA) 2 $430,000 $215,000 $4,123 4.19%
Payson, AZ (FHA|USDA|VA) 1 $415,000 $415,000 $7,607 4.88%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $410,000 $205,000 $5,257 4.88%
ODESSA, TX (FHA|USDA|VA) 4 $410,000 $102,500 $4,065 2.41%
MODESTO, CA (FHA|USDA|VA) 1 $395,000 $395,000 $14,712 3.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $395,000 $395,000 $18,080 3.75%
Ontario, OR-ID (FHA|USDA|VA) 3 $375,000 $125,000 $4,806 4.54%
GRANTS PASS, OR (FHA|USDA|VA) 1 $375,000 $375,000 $3,404 5.00%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $375,000 $375,000 $7,570 3.75%
Oxford, MS (FHA|USDA|VA) 3 $375,000 $125,000 $3,984 5.33%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $375,000 $375,000 $13,442 3.38%
Norfolk, NE (FHA|USDA|VA) 2 $350,000 $175,000 $4,238 5.19%
Oak Harbor, WA (FHA|USDA|VA) 1 $335,000 $335,000 $1,880 3.63%
CASPER, WY (FHA|USDA|VA) 1 $325,000 $325,000 $4,646 4.00%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $325,000 $108,333 $1,555 5.79%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $315,000 $315,000 $7,630 3.63%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $5,584 3.63%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $310,000 $155,000 $5,739 3.56%
Jackson, WY-ID (FHA|USDA|VA) 1 $305,000 $305,000 $15,247 5.63%
RACINE, WI (FHA|USDA|VA) 1 $305,000 $305,000 $3,187 4.75%
Hastings, NE (FHA|USDA|VA) 2 $290,000 $145,000 $4,941 5.25%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $290,000 $145,000 $2,815 4.06%
TYLER, TX (FHA|USDA|VA) 1 $285,000 $285,000 $7,705 4.50%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $285,000 $285,000 $5,489 4.25%
TUCSON, AZ (FHA|USDA|VA) 3 $285,000 $95,000 $3,309 4.79%
Las Vegas, NM (FHA|USDA|VA) 1 $285,000 $285,000 $6,453 4.38%
Wilson, NC (FHA|USDA|VA) 1 $285,000 $285,000 $6,406 3.88%
Sevierville, TN (FHA|USDA|VA) 1 $285,000 $285,000 $6,454 4.00%
JACKSON, TN (FHA|USDA|VA) 4 $280,000 $70,000 $5,256 1.91%
Ruidoso, NM (FHA|USDA|VA) 1 $275,000 $275,000 $6,206 4.50%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $275,000 $275,000 $3,101 4.00%
Del Rio, TX (FHA|USDA|VA) 1 $265,000 $265,000 $4,985 4.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $265,000 $265,000 $3,449 4.38%
CHICO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $3,772 4.38%
BEND, OR (FHA|USDA|VA) 1 $235,000 $235,000 $1,404 4.63%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $230,000 $115,000 $3,478 4.25%
Orangeburg, SC (FHA|USDA|VA) 1 $225,000 $225,000 $3,662 3.50%
Burley, ID (FHA|USDA|VA) 1 $225,000 $225,000 $7,424 3.25%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $225,000 $225,000 $3,499 4.88%
Roseburg, OR (FHA|USDA|VA) 1 $225,000 $225,000 $2,121 3.75%
Shelbyville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $1,524 3.75%
LAREDO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $8,151 3.75%
KNOXVILLE, TN (FHA|USDA|VA) 1 $205,000 $205,000 $4,448 3.63%
Holland, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,141 4.13%
CLEVELAND, TN (FHA|USDA|VA) 1 $205,000 $205,000 $3,561 4.50%
JACKSON, MS (FHA|USDA|VA) 2 $200,000 $100,000 $646 6.44%
Coos Bay, OR (FHA|USDA|VA) 1 $175,000 $175,000 $2,345 3.88%
TULSA, OK (FHA|USDA|VA) 1 $175,000 $175,000 $4,059 5.00%
SAN ANGELO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,454 4.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.88%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $165,000 $165,000 $1,623 3.75%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,378 4.25%
Hobbs, NM (FHA|USDA|VA) 1 $165,000 $165,000 $2,476 5.25%
North Platte, NE (FHA|USDA|VA) 1 $165,000 $165,000 $3,584 5.25%
CHEYENNE, WY (FHA|USDA|VA) 1 $155,000 $155,000 $3,092 3.88%
KOKOMO, IN (FHA|USDA|VA) 1 $155,000 $155,000 $1,722 4.63%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,164 4.63%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $150,000 $75,000 $0 5.25%
Albemarle, NC (FHA|USDA|VA) 1 $145,000 $145,000 $1,234 4.00%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $145,000 $145,000 $3,068 4.25%
Okeechobee, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,388 4.50%
Uvalde, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,065 3.63%
SAVANNAH, GA (FHA|USDA|VA) 1 $115,000 $115,000 $3,740 4.38%
Pearsall, TX (FHA|USDA|VA) 1 $115,000 $115,000 $6,350 3.75%
LOUISVILLE, KY (FHA|USDA|VA) 1 $115,000 $115,000 $3,082 4.88%
FLORENCE, SC (FHA|USDA|VA) 1 $105,000 $105,000 $2,849 5.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $105,000 $105,000 $5,465 3.75%
AKRON, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,831 4.88%
Richmond, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,129 4.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $90,000 $45,000 $0 6.00%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.75%
Cookeville, TN (FHA|USDA|VA) 1 $85,000 $85,000 $5,359 4.25%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,679 3.75%
Bedford, IN (FHA|USDA|VA) 1 $75,000 $75,000 $3,661 3.75%
TOLEDO, OH (FHA|USDA|VA) 1 $75,000 $75,000 $3,271 5.00%
Brownwood, TX (FHA|USDA|VA) 1 $75,000 $75,000 $2,825 3.63%
Roswell, NM (FHA|USDA|VA) 1 $65,000 $65,000 $5,116 5.25%
Castle & Cooke Mortgage's top markets include Las Vegas, Ogden, Denver, Phoenix, and Salt Lake City among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,417 $741,845,000 $217,104 $4,292 4.09%
    FHA 1,726 $388,210,000 $224,919 $7,402 4.58%
    VA 585 $188,885,000 $322,880 $6,074 3.99%
    USDA 94 $14,500,000 $154,255 $4,856 4.19%

    For 2019, Castle & Cooke Mortgage's most frequently originated type of loan was Conventional, with 3,417 originations. Their 2nd most popular type was FHA, with 1,726 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,151 $872,955,000 $210,300 $5,257 4.26%
    Refi 935 $269,105,000 $287,813 $5,751 3.93%
    Cash Out Refi 731 $190,215,000 $260,212 $6,052 4.42%
    Home Improvement 4 $1,160,000 $290,000 $5,324 4.25%
    Other 1 $5,000 $5,000 $0 0.00%

    For 2019, Castle & Cooke Mortgage's most frequently cited loan purpose was Home Purchase, with 4,151 originations. The 2nd most popular reason was Refi, with 935 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,325 $1,277,235,000 $239,856 $5,735 4.33%
    15 Year 171 $29,915,000 $174,942 $3,728 3.18%
    10 Year 153 $1,475,000 $9,641 $115 3.88%
    20 Year 71 $16,795,000 $236,549 $4,226 3.95%
    3 Year 70 $440,000 $6,286 $2 0.00%
    Other 31 $7,575,000 $244,355 $4,101 3.77%
    5 Year 1 $5,000 $5,000 $75 0.00%

    For 2019, Castle & Cooke Mortgage's most frequently cited loan duration was 30 Year, with 5,325 originations. The 2nd most popular length was 15 Year, with 171 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,697 $402,105,000 $236,951
    $<1k 1,267 $180,605,000 $142,545
    $2k-3k 930 $208,940,000 $224,667
    $3k-4k 666 $165,930,000 $249,144
    $5k+ 661 $236,785,000 $358,222
    $4k-5k 449 $118,985,000 $265,000

    Castle & Cooke Mortgage's average total fees were $5,735, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,697 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,518 $620,200,000 $246,307
    3-4% 1,954 $545,560,000 $279,202
    5-6% 750 $154,840,000 $206,453
    <2.5% 356 $2,200,000 $6,180
    7-8% 91 $1,885,000 $20,714
    6-7% 56 $3,270,000 $58,393
    2.5-3% 47 $4,775,000 $101,596
    Over 8% 2 $350,000 $175,000

    During 2019, Castle & Cooke Mortgage's average interest rate for loans was 4.33%, while their most frequently originated rate bucket for loans was 4-5%, with 2,518 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,815 $771,585,000 $274,098 $6,434 4.30%
    $100k-200k 1,523 $239,105,000 $156,996 $4,814 4.50%
    $100,000 or less 920 $24,710,000 $26,859 $1,101 3.56%
    $400k-600k 444 $210,300,000 $473,649 $7,929 4.18%
    $600k-1MM 112 $77,920,000 $695,714 $10,850 4.13%
    $1MM+ 8 $9,820,000 $1,227,500 $15,403 4.73%

    2019 saw Castle & Cooke Mortgage place emphasis on $200k-400k loans with 2,815 originations, totaling $771,585,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,833 $346,155,000 $188,846 $5,122 4.17%
    $50k or less 1,540 $247,630,000 $160,799 $4,407 4.24%
    $75k-100k 1,042 $258,110,000 $247,706 $5,890 4.16%
    $100k-150k 861 $278,395,000 $323,339 $6,688 4.30%
    $150k-250k 414 $154,620,000 $373,478 $6,688 4.36%
    $250k+ 125 $45,705,000 $365,640 $6,499 4.57%

    Castle & Cooke Mortgage lent most frequently to those with incomes in the $50k-75k range, with 1,833 originations. The second most popular income band? $50k or less, with 1,540 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 878 $194,850,000 $221,925 $5,145 4.13%
    20-30% 669 $153,265,000 $229,096 $5,125 4.23%
    50-60% 659 $148,245,000 $224,954 $6,569 4.71%
    <20% 402 $114,890,000 $285,796 $4,899 3.94%
    44% 301 $67,475,000 $224,169 $5,770 4.28%
    42% 286 $61,110,000 $213,671 $5,093 4.19%
    43% 280 $61,730,000 $220,464 $5,519 4.14%
    41% 254 $55,940,000 $220,236 $5,255 4.12%
    49% 243 $57,995,000 $238,663 $5,831 4.41%
    39% 239 $48,235,000 $201,820 $4,920 3.98%
    40% 234 $54,680,000 $233,675 $5,706 4.09%
    45% 213 $50,225,000 $235,798 $5,401 4.22%
    38% 209 $46,435,000 $222,177 $5,134 3.97%
    47% 199 $47,685,000 $239,623 $5,964 4.39%
    36% 186 $40,420,000 $217,312 $4,938 4.22%
    37% 186 $39,010,000 $209,731 $4,528 4.14%
    48% 181 $43,355,000 $239,530 $5,745 4.28%
    46% 176 $39,670,000 $225,398 $5,694 4.32%
    >60% 27 $8,225,000 $304,630 $6,108 4.18%

    Castle & Cooke Mortgage lent most frequently to those with DTI ratios of 30-36%, with 878 originations. The next most common DTI ratio? 20-30%, with 669 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,361 $966,855,000 $221,705 $5,276 4.25%
    Not provided 703 $176,865,000 $251,586 $5,914 4.32%
    Black 469 $82,895,000 $176,748 $5,144 3.89%
    Asian 190 $76,950,000 $405,000 $7,601 4.19%
    Native Hawaiian or Islander 33 $12,375,000 $375,000 $6,944 4.46%
    American Indian 27 $6,615,000 $245,000 $6,238 4.31%
    Japanese 3 $2,065,000 $688,333 $6,505 4.38%
    Other Asian 13 $1,995,000 $153,462 $3,757 4.47%
    Asian Indian 4 $1,640,000 $410,000 $7,750 4.22%
    Filipino 6 $1,540,000 $256,667 $6,481 4.42%
    Native Hawaiian 4 $1,200,000 $300,000 $7,177 3.69%
    Other Pacific Islander 5 $1,145,000 $229,000 $5,212 4.40%
    Vietnamese 2 $790,000 $395,000 $11,475 3.63%
    Chinese 1 $305,000 $305,000 $1,952 4.75%
    Korean 1 $205,000 $205,000 $2,175 4.75%

    Approval Rates

    Total approvals of all applications
    94.67%

    Castle & Cooke Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    58.19%

    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
    1468.5 1 $195,000 $195,000
    1590.0 1 $225,000 $225,000
    2279.0 1 $255,000 $255,000
    2620.0 1 $95,000 $95,000
    3817.5 1 $225,000 $225,000
    4877.5 1 $215,000 $215,000
    NA 5,816 $1,332,230,000 $229,063

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 27 $4,165,000 $154,259
    Single Family (1-4 Units):Site-Built 5,795 $1,329,275,000 $229,383

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 51 $8,475,000 $166,176 $4,240 4.07%
    40-60% 286 $64,530,000 $225,629 $4,891 4.28%
    60-80% 1,217 $321,775,000 $264,400 $5,648 4.37%
    80-100% 3,478 $894,330,000 $257,139 $6,268 4.48%
    Over 100% 119 $38,975,000 $327,521 $8,184 4.22%
    Under 20% 671 $5,355,000 $7,981 $121 2.54%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Castle and Cookie Mortgage LLC Conventional home mortgage Closing on a mortgage 1 50.0%
    Castle and Cookie Mortgage LLC Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%