Plaza Home Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300JYXTZDSPJEPI44

Tax ID: 33-0941669

2020 Data | 2019 Data | 2018 Data


Overview

Plaza Home Mortgage is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Plaza Home 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 include San Diego, Los Angeles, Chicago, Houston, and New York among others. They have an 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. Plaza Home Mortgage is typically a high fee lendor.


Originations

26,934

Origination Dollar Volume (All Markets)

$7,402,870,000

Relative Rate

Plaza Home Mortgage 's average 30 year fixed rate mortgage was 3.24%.

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

This yields a difference of -0.12%.

Relative Fees

Plaza Home Mortgage 's average total fees for a 30 year fixed rate mortgage are $6,690.

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 15,995 $4,669,025,000 $291,905 $5,502 3.22%
FHA 6,253 $1,432,085,000 $229,024 $8,449 3.21%
VA 3,660 $1,129,270,000 $308,544 $5,429 2.98%
USDA 1,026 $172,490,000 $168,119 $5,570 3.17%

For the 2020 period, Plaza Home Mortgage 's most frequently originated loan type was Conventional, with 15,995 originations. Their 2nd most popular type is FHA, with 6,253 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 12,453 $3,017,605,000 $242,320 $7,177 3.28%
Refi 10,579 $3,245,945,000 $306,829 $4,854 3.02%
Cash Out Refi 3,902 $1,139,320,000 $291,984 $6,640 3.32%

For the 2020, Plaza Home Mortgage 's most frequently cited loan purpose was Home Purchase, with 12,453 originations. The 2nd most popular reason was Refi, with 10,579 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 23,640 $6,586,340,000 $278,610 $6,391 3.22%
15 Year 1,894 $442,330,000 $233,543 $4,395 2.84%
20 Year 749 $193,345,000 $258,138 $5,014 3.08%
Other 554 $160,770,000 $290,199 $5,106 3.13%
10 Year 95 $17,485,000 $184,053 $4,190 2.75%
30+ year 2 $2,600,000 $1,300,000 $21,905 4.63%

For the 2020, Plaza Home Mortgage 's most frequently cited loan length was 30 Year, with 23,640 originations. The 2nd most popular length was 15 Year, with 1,894 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 9,036 $2,402,390,000 $265,869
$1k-2k 4,720 $1,193,430,000 $252,845
$3k-4k 4,334 $1,102,100,000 $254,292
$5k+ 4,249 $1,623,475,000 $382,084
$2k-3k 3,049 $712,465,000 $233,672

$6,690 was Plaza Home Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 9,036 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 2,426 $516,620,000 $212,951 $5,530 3.21%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 814 $349,330,000 $429,152 $5,862 3.02%
LOS ANGELES-LONG BEACH-GLENDALE, CA 747 $325,375,000 $435,576 $6,105 3.12%
CHICAGO-NAPERVILLE-EVANSTON, IL 1,268 $314,360,000 $247,918 $3,502 3.26%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 1,300 $314,110,000 $241,623 $6,725 3.24%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 608 $258,620,000 $425,362 $11,784 3.26%
PHOENIX-MESA-CHANDLER, AZ 836 $243,300,000 $291,029 $5,176 3.11%
NASSAU COUNTY-SUFFOLK COUNTY, NY 595 $234,135,000 $393,504 $11,177 3.16%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 707 $193,445,000 $273,614 $5,335 3.11%
URBAN HONOLULU, HI 374 $184,080,000 $492,193 $8,052 2.84%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 500 $167,370,000 $334,740 $5,611 3.05%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 484 $160,640,000 $331,901 $7,237 3.05%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 494 $157,760,000 $319,352 $6,131 3.10%
ANAHEIM-SANTA ANA-IRVINE, CA 345 $148,375,000 $430,072 $5,796 3.08%
DALLAS-PLANO-IRVING, TX 432 $125,810,000 $291,227 $6,618 3.25%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 397 $118,335,000 $298,073 $8,357 3.15%
OAKLAND-BERKELEY-LIVERMORE, CA 299 $111,145,000 $371,722 $5,183 3.18%
DENVER-AURORA-LAKEWOOD, CO 332 $108,240,000 $326,024 $5,661 3.12%
PITTSBURGH, PA 646 $101,890,000 $157,724 $6,621 3.20%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 260 $88,940,000 $342,077 $5,289 3.12%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 217 $86,275,000 $397,581 $7,113 3.19%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 328 $83,510,000 $254,604 $6,671 3.27%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 301 $68,985,000 $229,186 $7,252 3.33%
JACKSONVILLE, FL 258 $66,180,000 $256,512 $6,479 3.28%
SAN ANTONIO-NEW BRAUNFELS, TX 242 $66,060,000 $272,975 $5,768 3.04%
WARREN-TROY-FARMINGTON HILLS, MI 287 $64,895,000 $226,115 $5,182 3.35%
INDIANAPOLIS-CARMEL-ANDERSON, IN 291 $63,425,000 $217,955 $4,397 3.23%
SYRACUSE, NY 405 $63,235,000 $156,136 $6,218 3.31%
MIAMI-MIAMI BEACH-KENDALL, FL 216 $62,640,000 $290,000 $8,461 3.23%
ELGIN, IL 244 $59,220,000 $242,705 $4,232 3.12%
JACKSONVILLE, NC 319 $56,845,000 $178,197 $5,422 3.10%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 197 $55,265,000 $280,533 $8,168 3.31%
OXNARD-THOUSAND OAKS-VENTURA, CA 122 $54,340,000 $445,410 $5,669 3.09%
ALBANY-SCHENECTADY-TROY, NY 236 $51,520,000 $218,305 $7,352 3.26%
FRESNO, CA 190 $51,500,000 $271,053 $6,180 3.22%
ST. CLOUD, MN 243 $51,145,000 $210,473 $4,173 3.08%
NEW HAVEN-MILFORD, CT 212 $49,200,000 $232,075 $6,966 3.33%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 123 $48,225,000 $392,073 $6,404 3.20%
SALEM, OR 178 $47,970,000 $269,494 $7,187 3.05%
ALBUQUERQUE, NM 222 $46,690,000 $210,315 $5,128 3.35%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 154 $43,400,000 $281,818 $6,034 3.17%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 84 $43,340,000 $515,952 $7,089 3.18%
UTICA-ROME, NY 313 $43,295,000 $138,323 $6,755 3.16%
CHARLESTON-NORTH CHARLESTON, SC 146 $36,120,000 $247,397 $6,839 3.12%
EL PASO, TX 205 $35,505,000 $173,195 $6,312 3.21%
BALTIMORE-COLUMBIA-TOWSON, MD 111 $35,425,000 $319,144 $6,342 3.11%
BOSTON, MA 93 $35,355,000 $380,161 $8,044 3.42%
ORLANDO-KISSIMMEE-SANFORD, FL 132 $35,200,000 $266,667 $7,479 3.27%
PRESCOTT VALLEY-PRESCOTT, AZ 142 $34,810,000 $245,141 $4,918 3.24%
STOCKTON, CA 103 $32,935,000 $319,757 $6,385 3.17%
SEATTLE-BELLEVUE-KENT, WA 87 $32,455,000 $373,046 $5,248 3.07%
LAS VEGAS-HENDERSON-PARADISE, NV 101 $31,865,000 $315,495 $5,553 3.02%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 120 $31,110,000 $259,250 $7,699 3.24%
BUFFALO-CHEEKTOWAGA, NY 164 $30,650,000 $186,890 $7,110 3.26%
COLORADO SPRINGS, CO 97 $28,625,000 $295,103 $6,262 3.12%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 111 $28,445,000 $256,261 $6,899 3.30%
SANTA ROSA-PETALUMA, CA 63 $27,985,000 $444,206 $7,407 3.13%
MERCED, CA 96 $27,650,000 $288,021 $5,319 3.22%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 44 $27,430,000 $623,409 $6,580 3.10%
GRAND JUNCTION, CO 106 $25,540,000 $240,943 $4,871 3.13%
KANSAS CITY, MO-KS 135 $25,115,000 $186,037 $4,147 3.19%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 66 $24,460,000 $370,606 $7,514 3.28%
PROVIDENCE-WARWICK, RI-MA 85 $23,785,000 $279,824 $5,841 3.16%
MADERA, CA 86 $23,460,000 $272,791 $6,328 3.13%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 103 $22,605,000 $219,466 $5,072 3.18%
ROCHESTER, NY 137 $21,825,000 $159,307 $6,496 3.19%
NORTH PORT-SARASOTA-BRADENTON, FL 82 $21,600,000 $263,415 $6,163 3.17%
NEW BRUNSWICK-LAKEWOOD, NJ 66 $21,380,000 $323,939 $8,257 3.26%
BRIDGEPORT-STAMFORD-NORWALK, CT 67 $20,845,000 $311,119 $10,246 3.34%
OKLAHOMA CITY, OK 81 $19,155,000 $236,481 $5,645 3.17%
KOKOMO, IN 148 $18,990,000 $128,311 $3,668 3.25%
VISALIA, CA 82 $18,670,000 $227,683 $5,396 3.37%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 77 $18,605,000 $241,623 $4,397 3.16%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 63 $18,485,000 $293,413 $7,993 3.19%
BAKERSFIELD, CA 91 $18,275,000 $200,824 $5,572 3.44%
AUGUSTA-RICHMOND COUNTY, GA-SC 97 $18,255,000 $188,196 $5,401 3.25%
WILMINGTON, DE-MD-NJ 61 $16,805,000 $275,492 $6,647 3.08%
RICHMOND, VA 64 $16,370,000 $255,781 $6,419 3.29%
MANKATO, MN 70 $16,150,000 $230,714 $6,305 3.14%
FLINT, MI 95 $16,035,000 $168,789 $5,086 3.23%
CAPE CORAL-FORT MYERS, FL 68 $15,900,000 $233,824 $6,476 3.29%
KAHULUI-WAILUKU-LAHAINA, HI 35 $15,875,000 $453,571 $11,049 2.94%
WORCESTER, MA-CT 64 $15,850,000 $247,656 $6,831 3.50%
SAN LUIS OBISPO-PASO ROBLES, CA 37 $15,695,000 $424,189 $6,568 3.18%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 50 $15,390,000 $307,800 $8,173 3.19%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 73 $15,325,000 $209,932 $5,860 3.23%
ERIE, PA 115 $14,405,000 $125,261 $6,389 3.27%
GREELEY, CO 46 $13,930,000 $302,826 $7,494 3.19%
PHILADELPHIA, PA 59 $13,615,000 $230,763 $7,493 3.40%
DETROIT-DEARBORN-LIVONIA, MI 75 $12,935,000 $172,467 $4,684 3.34%
MODESTO, CA 45 $12,865,000 $285,889 $6,147 3.24%
NEWARK, NJ-PA 35 $12,775,000 $365,000 $9,272 3.21%
SHREVEPORT-BOSSIER CITY, LA 62 $12,430,000 $200,484 $5,335 3.39%
WINSTON-SALEM, NC 57 $12,165,000 $213,421 $5,870 3.16%
WATERTOWN-FORT DRUM, NY 63 $11,995,000 $190,397 $4,962 3.33%
WILMINGTON, NC 43 $11,955,000 $278,023 $5,048 3.14%
LEXINGTON-FAYETTE, KY 54 $11,880,000 $220,000 $3,882 3.16%
SANTA FE, NM 40 $11,540,000 $288,500 $4,641 3.18%
TACOMA-LAKEWOOD, WA 35 $11,265,000 $321,857 $5,229 2.94%
GARY, IN 51 $11,075,000 $217,157 $2,685 3.23%
GREEN BAY, WI 54 $10,980,000 $203,333 $4,514 3.38%
BINGHAMTON, NY 81 $10,885,000 $134,383 $5,431 3.15%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 37 $10,835,000 $292,838 $5,716 3.14%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 46 $10,790,000 $234,565 $6,296 3.44%
BEND, OR 33 $10,335,000 $313,182 $6,533 3.05%
VALLEJO, CA 27 $10,245,000 $379,444 $5,145 3.15%
SALINAS, CA 24 $10,130,000 $422,083 $9,962 2.98%
TUCSON, AZ 40 $10,110,000 $252,750 $4,794 3.10%
OGDEN-CLEARFIELD, UT 35 $9,965,000 $284,714 $5,353 3.02%
MCALLEN-EDINBURG-MISSION, TX 45 $9,865,000 $219,222 $6,899 3.08%
EUGENE-SPRINGFIELD, OR 38 $9,570,000 $251,842 $5,639 3.15%
ST. LOUIS, MO-IL 49 $9,555,000 $195,000 $5,191 3.23%
COLUMBUS, OH 47 $9,515,000 $202,447 $6,861 3.38%
MEMPHIS, TN-MS-AR 50 $9,370,000 $187,400 $4,802 3.15%
CORPUS CHRISTI, TX 39 $9,335,000 $239,359 $6,449 3.24%
SALT LAKE CITY, UT 34 $9,310,000 $273,824 $5,240 3.09%
REDDING, CA 37 $9,235,000 $249,595 $6,796 3.37%
EVANSVILLE, IN-KY 58 $9,230,000 $159,138 $4,296 3.24%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 41 $9,135,000 $222,805 $5,509 3.24%
MILWAUKEE-WAUKESHA, WI 37 $9,045,000 $244,459 $3,515 3.30%
DAYTON-KETTERING, OH 45 $8,645,000 $192,111 $5,767 3.32%
BEAUMONT-PORT ARTHUR, TX 45 $8,465,000 $188,111 $8,006 3.30%
FAYETTEVILLE, NC 40 $8,350,000 $208,750 $5,165 3.10%
OLYMPIA-LACEY-TUMWATER, WA 24 $8,020,000 $334,167 $6,158 3.05%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 43 $7,635,000 $177,558 $3,915 2.96%
NORWICH-NEW LONDON, CT 33 $7,565,000 $229,242 $8,575 3.33%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 23 $7,145,000 $310,652 $6,214 3.36%
RALEIGH-CARY, NC 23 $6,725,000 $292,391 $4,653 3.10%
NAPLES-MARCO ISLAND, FL 24 $6,470,000 $269,583 $8,973 3.36%
PALM BAY-MELBOURNE-TITUSVILLE, FL 28 $6,220,000 $222,143 $6,331 3.48%
CINCINNATI, OH-KY-IN 30 $6,080,000 $202,667 $5,547 3.48%
HARRISBURG-CARLISLE, PA 32 $6,050,000 $189,063 $7,018 3.11%
SANTA MARIA-SANTA BARBARA, CA 15 $5,965,000 $397,667 $6,010 3.05%
BROWNSVILLE-HARLINGEN, TX 30 $5,750,000 $191,667 $6,679 2.89%
ANCHORAGE, AK 19 $5,745,000 $302,368 $6,668 3.20%
ROCKFORD, IL 41 $5,745,000 $140,122 $4,192 3.22%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 29 $5,705,000 $196,724 $6,601 3.17%
TYLER, TX 29 $5,675,000 $195,690 $5,821 3.34%
PANAMA CITY, FL 26 $5,590,000 $215,000 $6,921 3.44%
FORT COLLINS, CO 16 $5,560,000 $347,500 $8,237 3.08%
CLEVELAND-ELYRIA, OH 26 $5,500,000 $211,538 $6,853 3.20%
LAREDO, TX 27 $5,485,000 $203,148 $6,777 3.29%
GRAND RAPIDS-KENTWOOD, MI 27 $5,275,000 $195,370 $4,771 3.39%
SAN RAFAEL, CA 11 $5,225,000 $475,000 $4,979 3.09%
DOVER, DE 20 $5,060,000 $253,000 $6,464 3.34%
PORT ST. LUCIE, FL 23 $5,015,000 $218,043 $6,017 3.27%
LAKELAND-WINTER HAVEN, FL 22 $4,930,000 $224,091 $6,399 3.08%
PUNTA GORDA, FL 24 $4,830,000 $201,250 $6,413 3.31%
DES MOINES-WEST DES MOINES, IA 25 $4,825,000 $193,000 $4,682 2.93%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 17 $4,755,000 $279,706 $5,309 3.01%
ELMIRA, NY 38 $4,700,000 $123,684 $5,468 3.16%
SANTA CRUZ-WATSONVILLE, CA 10 $4,650,000 $465,000 $5,066 3.11%
TALLAHASSEE, FL 24 $4,530,000 $188,750 $7,912 3.34%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 26 $4,480,000 $172,308 $6,055 3.14%
COLLEGE STATION-BRYAN, TX 17 $4,415,000 $259,706 $6,945 3.26%
YUBA CITY, CA 16 $4,280,000 $267,500 $6,584 3.01%
GREENVILLE-ANDERSON, SC 20 $4,200,000 $210,000 $5,102 3.16%
MANCHESTER-NASHUA, NH 15 $4,195,000 $279,667 $6,885 3.60%
SALISBURY, MD-DE 15 $4,185,000 $279,000 $8,509 3.17%
GREENSBORO-HIGH POINT, NC 21 $4,155,000 $197,857 $5,513 3.08%
HANFORD-CORCORAN, CA 16 $4,100,000 $256,250 $4,737 3.01%
KINGSTON, NY 18 $4,080,000 $226,667 $7,295 3.26%
GLENS FALLS, NY 20 $4,000,000 $200,000 $5,956 3.23%
BATON ROUGE, LA 17 $3,855,000 $226,765 $5,416 3.26%
LAWRENCE, KS 18 $3,850,000 $213,889 $3,984 3.21%
SEBRING-AVON PARK, FL 20 $3,790,000 $189,500 $5,167 3.08%
NEW ORLEANS-METAIRIE, LA 22 $3,790,000 $172,273 $7,183 3.38%
COLUMBIA, SC 20 $3,750,000 $187,500 $5,297 3.08%
HILTON HEAD ISLAND-BLUFFTON, SC 16 $3,700,000 $231,250 $5,449 3.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 10 $3,670,000 $367,000 $4,813 3.29%
PENSACOLA-FERRY PASS-BRENT, FL 13 $3,635,000 $279,615 $5,961 3.22%
PROVO-OREM, UT 13 $3,545,000 $272,692 $6,423 2.88%
TULSA, OK 15 $3,505,000 $233,667 $5,924 3.28%
GAINESVILLE, FL 15 $3,435,000 $229,000 $6,569 3.23%
ANN ARBOR, MI 14 $3,290,000 $235,000 $4,036 3.08%
ALBANY-LEBANON, OR 10 $3,230,000 $323,000 $8,614 3.42%
SPOKANE-SPOKANE VALLEY, WA 13 $3,205,000 $246,538 $6,038 3.27%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 20 $3,140,000 $157,000 $4,446 3.17%
LONGVIEW, WA 12 $3,140,000 $261,667 $4,608 3.12%
CAMDEN, NJ 14 $2,990,000 $213,571 $6,719 3.26%
LAFAYETTE, LA 18 $2,980,000 $165,556 $5,745 3.13%
KILLEEN-TEMPLE, TX 13 $2,975,000 $228,846 $5,490 3.17%
YORK-HANOVER, PA 14 $2,940,000 $210,000 $6,390 3.03%
HOMOSASSA SPRINGS, FL 17 $2,855,000 $167,941 $5,949 3.33%
SAVANNAH, GA 10 $2,830,000 $283,000 $9,146 3.00%
BARNSTABLE TOWN, MA 9 $2,785,000 $309,444 $6,705 3.14%
CHARLOTTESVILLE, VA 9 $2,665,000 $296,111 $6,535 3.18%
LANSING-EAST LANSING, MI 16 $2,630,000 $164,375 $3,914 3.15%
SCRANTON--WILKES-BARRE, PA 21 $2,545,000 $121,190 $5,823 3.09%
AKRON, OH 11 $2,515,000 $228,636 $6,754 3.50%
LINCOLN, NE 13 $2,465,000 $189,615 $2,326 2.79%
KANKAKEE, IL 12 $2,430,000 $202,500 $2,018 3.28%
EL CENTRO, CA 11 $2,235,000 $203,182 $7,621 3.51%
CHAMPAIGN-URBANA, IL 12 $2,200,000 $183,333 $3,275 3.18%
SUMTER, SC 11 $2,135,000 $194,091 $5,171 3.23%
MIDLAND, TX 6 $2,080,000 $346,667 $5,823 3.56%
RENO, NV 7 $2,065,000 $295,000 $3,700 3.17%
CALIFORNIA-LEXINGTON PARK, MD 7 $2,025,000 $289,286 $4,365 3.48%
DURHAM-CHAPEL HILL, NC 7 $2,005,000 $286,429 $6,090 3.09%
MEDFORD, OR 7 $1,965,000 $280,714 $6,887 3.10%
LAKE HAVASU CITY-KINGMAN, AZ 9 $1,965,000 $218,333 $4,311 3.07%
OCALA, FL 12 $1,960,000 $163,333 $6,765 3.28%
LYNCHBURG, VA 10 $1,960,000 $196,000 $5,299 3.24%
ABILENE, TX 7 $1,925,000 $275,000 $8,297 3.14%
ELIZABETHTOWN-FORT KNOX, KY 9 $1,895,000 $210,556 $3,408 2.69%
FLAGSTAFF, AZ 8 $1,870,000 $233,750 $4,910 3.14%
FARMINGTON, NM 11 $1,865,000 $169,545 $6,230 3.14%
BOULDER, CO 6 $1,820,000 $303,333 $3,761 2.94%
HAGERSTOWN-MARTINSBURG, MD-WV 8 $1,800,000 $225,000 $7,320 3.30%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 8 $1,800,000 $225,000 $7,025 3.08%
OMAHA-COUNCIL BLUFFS, NE-IA 7 $1,675,000 $239,286 $4,010 2.86%
TUSCALOOSA, AL 7 $1,665,000 $237,857 $7,103 2.80%
SPRINGFIELD, MA 7 $1,665,000 $237,857 $7,263 3.36%
DULUTH, MN-WI 6 $1,630,000 $271,667 $5,448 3.00%
TOPEKA, KS 9 $1,625,000 $180,556 $5,683 3.16%
BOISE CITY, ID 6 $1,620,000 $270,000 $6,436 3.26%
LEBANON, PA 5 $1,565,000 $313,000 $6,193 2.85%
PUEBLO, CO 7 $1,535,000 $219,286 $5,536 3.21%
LUBBOCK, TX 7 $1,515,000 $216,429 $7,930 3.18%
SHERMAN-DENISON, TX 7 $1,515,000 $216,429 $6,266 3.63%
MADISON, WI 4 $1,510,000 $377,500 $2,036 3.07%
SPARTANBURG, SC 8 $1,500,000 $187,500 $3,381 3.08%
NAPA, CA 3 $1,475,000 $491,667 $3,049 3.38%
LAS CRUCES, NM 7 $1,355,000 $193,571 $5,432 3.68%
COLUMBIA, MO 7 $1,335,000 $190,714 $2,918 3.27%
LAFAYETTE-WEST LAFAYETTE, IN 7 $1,335,000 $190,714 $5,599 3.03%
PEORIA, IL 9 $1,315,000 $146,111 $3,451 3.22%
WICHITA FALLS, TX 6 $1,290,000 $215,000 $5,851 3.54%
CHAMBERSBURG-WAYNESBORO, PA 5 $1,285,000 $257,000 $6,478 3.33%
HUNTSVILLE, AL 6 $1,280,000 $213,333 $6,194 3.46%
NEW BERN, NC 7 $1,235,000 $176,429 $5,915 3.21%
LANCASTER, PA 5 $1,235,000 $247,000 $5,551 3.38%
SEBASTIAN-VERO BEACH, FL 6 $1,210,000 $201,667 $6,802 3.56%
COEUR D'ALENE, ID 4 $1,160,000 $290,000 $5,930 3.38%
WICHITA, KS 7 $1,155,000 $165,000 $4,895 3.32%
CHICO, CA 5 $1,125,000 $225,000 $3,989 2.96%
CLARKSVILLE, TN-KY 5 $1,115,000 $223,000 $5,810 3.18%
APPLETON, WI 7 $1,105,000 $157,857 $3,498 3.25%
FORT WAYNE, IN 6 $1,100,000 $183,333 $6,982 3.17%
VICTORIA, TX 7 $1,095,000 $156,429 $7,477 3.71%
CASPER, WY 4 $1,030,000 $257,500 $5,832 2.87%
ST. JOSEPH, MO-KS 6 $1,020,000 $170,000 $5,004 3.04%
READING, PA 4 $1,020,000 $255,000 $8,431 3.06%
BLOOMINGTON, IN 4 $1,010,000 $252,500 $3,349 3.25%
TRENTON-PRINCETON, NJ 7 $1,005,000 $143,571 $6,152 4.25%
OWENSBORO, KY 6 $980,000 $163,333 $6,191 3.17%
ST. GEORGE, UT 4 $920,000 $230,000 $6,894 2.71%
CORVALLIS, OR 4 $900,000 $225,000 $4,990 2.97%
BILLINGS, MT 3 $895,000 $298,333 $12,627 3.41%
SOUTH BEND-MISHAWAKA, IN-MI 5 $875,000 $175,000 $6,471 3.08%
ODESSA, TX 5 $805,000 $161,000 $7,476 3.50%
JANESVILLE-BELOIT, WI 4 $790,000 $197,500 $4,362 3.31%
WACO, TX 3 $775,000 $258,333 $3,830 2.92%
MUNCIE, IN 7 $765,000 $109,286 $2,176 3.34%
ATLANTIC CITY-HAMMONTON, NJ 3 $695,000 $231,667 $4,575 3.04%
AMARILLO, TX 3 $675,000 $225,000 $5,953 2.67%
ROCHESTER, MN 3 $675,000 $225,000 $7,245 3.29%
KENNEWICK-RICHLAND, WA 2 $670,000 $335,000 $4,607 2.75%
LONGVIEW, TX 4 $660,000 $165,000 $4,540 2.94%
GRANTS PASS, OR 4 $640,000 $160,000 $4,741 3.33%
COLUMBUS, GA-AL 2 $620,000 $310,000 $8,848 3.19%
WINCHESTER, VA-WV 3 $615,000 $205,000 $2,735 3.67%
SIOUX FALLS, SD 2 $590,000 $295,000 $9,627 3.13%
JACKSON, MI 3 $585,000 $195,000 $7,388 3.29%
ASHEVILLE, NC 3 $575,000 $191,667 $4,974 3.50%
MUSKEGON, MI 3 $565,000 $188,333 $7,264 2.90%
SPRINGFIELD, OH 4 $550,000 $137,500 $6,957 3.50%
MICHIGAN CITY-LA PORTE, IN 3 $535,000 $178,333 $1,978 3.38%
DECATUR, AL 3 $515,000 $171,667 $5,688 3.79%
AMES, IA 2 $510,000 $255,000 $3,372 2.75%
BRUNSWICK, GA 2 $510,000 $255,000 $2,788 2.94%
MOUNT VERNON-ANACORTES, WA 1 $505,000 $505,000 $3,550 2.88%
SPRINGFIELD, MO 3 $495,000 $165,000 $4,046 3.17%
WARNER ROBINS, GA 3 $485,000 $161,667 $1,570 2.92%
BIRMINGHAM-HOOVER, AL 2 $480,000 $240,000 $6,235 3.81%
YAKIMA, WA 2 $480,000 $240,000 $7,785 3.06%
WENATCHEE, WA 1 $465,000 $465,000 $6,846 4.00%
COLUMBUS, IN 3 $455,000 $151,667 $5,991 3.46%
YUMA, AZ 3 $455,000 $151,667 $3,021 2.91%
KALAMAZOO-PORTAGE, MI 3 $445,000 $148,333 $4,230 3.67%
ITHACA, NY 2 $440,000 $220,000 $8,272 3.31%
CANTON-MASSILLON, OH 2 $440,000 $220,000 $7,874 3.19%
KNOXVILLE, TN 2 $430,000 $215,000 $8,224 3.06%
ALEXANDRIA, LA 2 $430,000 $215,000 $7,056 3.25%
MANSFIELD, OH 3 $415,000 $138,333 $4,137 3.17%
POCATELLO, ID 1 $385,000 $385,000 $9,990 3.13%
HAMMOND, LA 2 $370,000 $185,000 $5,910 3.81%
CARSON CITY, NV 1 $355,000 $355,000 $3,721 3.00%
PORTLAND-SOUTH PORTLAND, ME 1 $345,000 $345,000 $7,682 3.25%
GAINESVILLE, GA 1 $345,000 $345,000 $8,016 2.75%
ELKHART-GOSHEN, IN 2 $340,000 $170,000 $3,887 3.38%
MONROE, MI 2 $340,000 $170,000 $3,651 3.06%
EAST STROUDSBURG, PA 1 $335,000 $335,000 $3,622 3.13%
WALLA WALLA, WA 1 $335,000 $335,000 $2,627 2.25%
BELLINGHAM, WA 1 $325,000 $325,000 $6,390 3.13%
HARRISONBURG, VA 1 $325,000 $325,000 $2,614 2.88%
LAWTON, OK 1 $325,000 $325,000 $0 3.13%
DAPHNE-FAIRHOPE-FOLEY, AL 2 $320,000 $160,000 $5,023 3.94%
THE VILLAGES, FL 2 $320,000 $160,000 $3,572 2.81%
JOHNSON CITY, TN 1 $315,000 $315,000 $5,113 3.63%
MACON-BIBB COUNTY, GA 2 $310,000 $155,000 $5,205 3.94%
ALTOONA, PA 2 $300,000 $150,000 $5,695 3.13%
HOUMA-THIBODAUX, LA 2 $290,000 $145,000 $5,058 3.17%
WHEELING, WV-OH 1 $275,000 $275,000 $6,958 2.75%
SAN ANGELO, TX 1 $265,000 $265,000 $2,296 2.75%
BURLINGTON-SOUTH BURLINGTON, VT 1 $235,000 $235,000 $6,049 2.88%
GETTYSBURG, PA 1 $225,000 $225,000 $10,473 4.13%
BATTLE CREEK, MI 2 $220,000 $110,000 $3,908 2.88%
ROANOKE, VA 1 $215,000 $215,000 $3,905 3.13%
IOWA CITY, IA 1 $215,000 $215,000 $3,495 2.63%
CHEYENNE, WY 1 $215,000 $215,000 $6,776 3.13%
MORRISTOWN, TN 1 $215,000 $215,000 $4,533 3.00%
BURLINGTON, NC 2 $210,000 $105,000 $4,467 2.75%
JEFFERSON CITY, MO 1 $195,000 $195,000 $6,072 3.63%
AUBURN-OPELIKA, AL 1 $195,000 $195,000 $7,011 3.63%
SHEBOYGAN, WI 1 $185,000 $185,000 $4,612 3.63%
JOPLIN, MO 1 $185,000 $185,000 $1,854 3.00%
BLOOMSBURG-BERWICK, PA 1 $175,000 $175,000 $6,714 3.25%
TEXARKANA, TX-AR 1 $175,000 $175,000 $5,125 2.88%
NILES, MI 1 $175,000 $175,000 $5,626 3.63%
LOGAN, UT-ID 1 $165,000 $165,000 $6,140 3.00%
MOBILE, AL 1 $155,000 $155,000 $10,627 3.63%
JOHNSTOWN, PA 1 $155,000 $155,000 $4,488 3.50%
ALBANY, GA 1 $155,000 $155,000 $1,837 3.13%
TERRE HAUTE, IN 1 $155,000 $155,000 $2,218 3.13%
HINESVILLE, GA 1 $145,000 $145,000 $3,324 3.00%
STATE COLLEGE, PA 1 $145,000 $145,000 $5,543 2.88%
FLORENCE-MUSCLE SHOALS, AL 1 $145,000 $145,000 $0 2.86%
BAY CITY, MI 1 $135,000 $135,000 $5,416 3.13%
CARBONDALE-MARION, IL 1 $105,000 $105,000 $5,257 3.63%
LAKE CHARLES, LA 1 $105,000 $105,000 $6,888 3.63%
MIDLAND, MI 1 $105,000 $105,000 $5,569 3.13%
BLOOMINGTON, IL 1 $105,000 $105,000 $1,753 3.88%
WILLIAMSPORT, PA 1 $105,000 $105,000 $5,353 3.13%
DECATUR, IL 1 $95,000 $95,000 $4,088 3.63%
DALTON, GA 1 $85,000 $85,000 $4,239 3.50%
FORT SMITH, AR-OK 1 $85,000 $85,000 $4,996 3.13%
JACKSON, TN 1 $85,000 $85,000 $4,947 3.13%
TOLEDO, OH 1 $45,000 $45,000 $4,655 4.13%

Plaza Home Mortgage 's top markets include San Diego, Los Angeles, Chicago, Houston, and New York among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 14,322 $3,758,760,000 $262,447
2.5-3% 9,545 $2,795,315,000 $292,856
<2.5% 1,817 $559,525,000 $307,939
4-5% 1,100 $252,930,000 $229,936
5-6% 125 $26,315,000 $210,520
6-7% 20 $7,800,000 $390,000
7-8% 4 $2,180,000 $545,000
Over 8% 1 $45,000 $45,000

During 2020, Plaza Home Mortgage 's average interest rate was 3.24%, while their most frequently originated rate bucket was 3-4%, with 14,322 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 12,922 $3,662,310,000 $283,417 $6,315 3.13%
$100k-200k 7,946 $1,226,250,000 $154,323 $4,995 3.26%
$400k-600k 3,929 $1,856,895,000 $472,613 $7,676 3.10%
$100,000 or less 1,400 $109,170,000 $77,979 $4,182 3.49%
$600k-1MM 683 $478,725,000 $700,915 $12,004 3.23%
$1MM+ 54 $69,520,000 $1,287,407 $13,412 3.82%

2020 saw Plaza Home Mortgage place emphasis on $200k-400k loans with 12,922 originations, totaling $3,662,310,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 6,018 $1,273,390,000 $211,597 $6,154 3.24%
$100k-150k 5,518 $1,775,420,000 $321,751 $6,923 3.18%
$75k-100k 4,591 $1,228,115,000 $267,505 $6,706 3.22%
$50k or less 3,931 $592,215,000 $150,653 $5,264 3.27%
$150k-250k 3,345 $1,244,185,000 $371,954 $6,867 3.17%
$250k+ 1,095 $494,585,000 $451,676 $7,152 3.21%

Plaza Home Mortgage lent most frequently to those with incomes in the $50k-75k range, with 6,018 originations. The second most popular income band? $100k-150k, with 5,518 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 5,008 $1,330,350,000 $265,645 $5,458 3.14%
30-36% 4,412 $1,194,900,000 $270,830 $5,934 3.22%
<20% 4,081 $1,231,525,000 $301,770 $4,436 2.95%
50-60% 1,763 $452,805,000 $256,838 $9,349 3.16%
44% 1,065 $293,435,000 $275,526 $6,773 3.32%
40% 931 $245,445,000 $263,636 $6,274 3.30%
41% 931 $258,485,000 $277,642 $6,621 3.31%
43% 927 $249,355,000 $268,991 $6,777 3.29%
42% 920 $260,260,000 $282,891 $6,526 3.31%
39% 898 $245,740,000 $273,653 $6,307 3.28%
37% 849 $233,445,000 $274,965 $6,317 3.27%
38% 845 $229,085,000 $271,107 $6,389 3.27%
36% 815 $212,495,000 $260,730 $6,143 3.25%
49% 720 $199,660,000 $277,306 $7,758 3.26%
45% 713 $195,555,000 $274,271 $7,087 3.28%
47% 665 $187,605,000 $282,113 $7,368 3.23%
46% 651 $174,945,000 $268,733 $7,144 3.24%
48% 614 $168,790,000 $274,902 $7,435 3.25%
>60% 85 $25,415,000 $299,000 $6,902 3.22%

Plaza Home Mortgage lent most frequently to those with DTI ratios of 20-30%, with 5,008 originations. The next most common DTI ratio? 30-36%, with 4,412 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 20,686 $5,463,730,000 $264,127 $6,023 3.19%
Not provided 2,694 $843,010,000 $312,921 $6,153 3.12%
Asian 1,598 $555,520,000 $347,635 $6,765 3.08%
Black 1,712 $463,240,000 $270,584 $7,675 3.27%
Native Hawaiian 135 $47,295,000 $350,333 $7,151 3.07%
American Indian 108 $29,930,000 $277,130 $6,867 3.19%
Asian Indian 1 $145,000 $145,000 $0 4.88%

Approval Rates

Total approvals of all applications
89.80%

Plaza Home Mortgage has an average approval rate.

Pick Rate

Approvals leading to origination
89.60%

Plaza Home Mortgage has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 26,934 $7,402,870,000 $274,852

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 598 $104,750,000 $175,167
Single Family (1-4 Units):Site-Built 26,336 $7,298,120,000 $277,116

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 853 $212,225,000 $248,798 $4,779 3.00%
40-60% 3,294 $955,530,000 $290,082 $4,989 3.04%
60-80% 7,671 $2,311,745,000 $301,362 $5,829 3.24%
80-100% 12,032 $2,964,670,000 $246,399 $6,982 3.26%
Over 100% 708 $190,390,000 $268,912 $10,246 3.28%
Under 20% 83 $15,765,000 $189,940 $4,600 3.25%