El Dorado Savings Bank F.s.b. Mortgage Rates, Fees & Info
Placerville, CALEI: 549300KLBHBLTPBU7507
Tax ID: 94-1400676
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
Overview
El Dorado Savings Bank F.s.b. is a smaller bank specializing in Refi loans. El Dorado Savings Bank F.s.b. has a high proportion of conventional loans. Their top markets include Sacramento, Truckee, Sonora, Gardnerville Ranchos, and Reno among others. El Dorado Savings Bank F.s.b. has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. El Dorado Savings Bank F.s.b. is typically a low fee lendor.Originations
629Origination Dollar Volume (All Markets)
$154,215,000Employee count
267Awards
El Dorado Savings Bank F.S.B. - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
El Dorado Savings Bank F.s.b.'s average 30 year fixed rate mortgage of loans were
2.86%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.29%.
Relative Fees
El Dorado Savings Bank F.s.b.'s average total fees for a 30 year fixed rate
mortgage are $3,095.
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 |
|---|---|---|---|---|---|
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 383 | $99,775,000 | $260,509 | $3,091 | 2.65% |
| Outside of Metro Areas | 143 | $29,355,000 | $205,280 | $3,086 | 2.63% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 42 | $10,770,000 | $256,429 | $3,013 | 2.68% |
| Sonora, CA (FHA|USDA|VA) | 31 | $7,655,000 | $246,935 | $3,347 | 2.73% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 16 | $3,190,000 | $199,375 | $2,815 | 2.74% |
| RENO, NV (FHA|USDA|VA) | 8 | $2,250,000 | $281,250 | $2,356 | 2.69% |
| CARSON CITY, NV (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $1,943 | 3.03% |
| Fernley, NV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,911 | 2.75% |
El Dorado Savings Bank F.s.b.'s top markets include Sacramento, Truckee, Sonora, Gardnerville Ranchos, and Reno among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 629 | $154,215,000 | $245,175 | $3,071 | 2.66% |
For the 2021 period, El Dorado Savings Bank F.s.b.'s most frequently originated loan type of loans were Conventional, with 629 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 559 | $137,285,000 | $245,590 | $3,054 | 2.65% |
| Home Purchase | 36 | $9,300,000 | $258,333 | $3,372 | 2.69% |
| Home Improvement | 20 | $4,440,000 | $222,000 | $3,100 | 2.79% |
| Other | 14 | $3,190,000 | $227,857 | $2,938 | 2.67% |
For the 2021, El Dorado Savings Bank F.s.b.'s most frequently cited loan purpose of loans were Refi, with 559 originations. The 2nd most popular reason of loans were Home Purchase, with 36 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 331 | $88,105,000 | $266,178 | $3,095 | 2.86% |
| 15 Year | 156 | $34,830,000 | $223,269 | $3,098 | 2.45% |
| 20 Year | 74 | $17,220,000 | $232,703 | $3,225 | 2.59% |
| 10 Year | 60 | $13,140,000 | $219,000 | $2,862 | 2.25% |
| 5 Year | 8 | $920,000 | $115,000 | $1,693 | 2.23% |
For the 2021, El Dorado Savings Bank F.s.b.'s most frequently cited loan length of loans were 30 Year, with 331 originations. The 2nd most popular length of loans were 15 Year, with 156 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 328 | $81,690,000 | $249,055 |
| $2k-3k | 103 | $21,815,000 | $211,796 |
| $1k-2k | 92 | $11,050,000 | $120,109 |
| $3k-4k | 87 | $29,035,000 | $333,736 |
| $5k+ | 19 | $10,625,000 | $559,211 |
$3,095 of loans were El Dorado Savings Bank F.s.b.'s average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 328 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 350 | $89,550,000 | $255,857 |
| <2.5% | 234 | $52,530,000 | $224,487 |
| 3-4% | 44 | $11,940,000 | $271,364 |
| 4-5% | 1 | $195,000 | $195,000 |
During 2021, El Dorado Savings Bank F.s.b.'s average interest rate of loans were 2.86%, while their most frequently originated rate bucket of loans were 2.5-3%, with 350 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 292 | $80,610,000 | $276,062 | $3,287 | 2.67% |
| $100k-200k | 187 | $27,695,000 | $148,102 | $2,521 | 2.63% |
| $100,000 or less | 72 | $5,120,000 | $71,111 | $1,962 | 2.61% |
| $400k-600k | 59 | $27,535,000 | $466,695 | $4,546 | 2.75% |
| $600k-1MM | 19 | $13,255,000 | $697,632 | $4,795 | 2.65% |
2021 saw El Dorado Savings Bank F.s.b. place emphasis on $200k-400k loans with 292 originations, totaling $80,610,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 144 | $38,520,000 | $267,500 | $3,040 | 2.66% |
| $50k-75k | 117 | $24,285,000 | $207,564 | $2,956 | 2.70% |
| $50k or less | 109 | $16,755,000 | $153,716 | $2,453 | 2.74% |
| $75k-100k | 97 | $20,525,000 | $211,598 | $2,786 | 2.65% |
| $150k-250k | 91 | $29,045,000 | $319,176 | $3,839 | 2.57% |
| $250k+ | 54 | $22,240,000 | $411,852 | $4,142 | 2.54% |
El Dorado Savings Bank F.s.b. lent most frequently to those with incomes in the $100k-150k range, with 144 originations. The second most popular income band? $50k-75k, with 117 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 207 | $49,055,000 | $236,981 | $3,098 | 2.63% |
| <20% | 139 | $30,365,000 | $218,453 | $3,034 | 2.61% |
| 30-36% | 90 | $23,210,000 | $257,889 | $3,146 | 2.65% |
| 50-60% | 29 | $8,265,000 | $285,000 | $2,839 | 2.79% |
| >60% | 25 | $7,595,000 | $303,800 | $3,400 | 2.73% |
| 39% | 14 | $3,660,000 | $261,429 | $2,785 | 2.76% |
| 40% | 14 | $3,660,000 | $261,429 | $2,936 | 2.80% |
| 37% | 13 | $3,255,000 | $250,385 | $3,164 | 2.53% |
| 41% | 13 | $3,905,000 | $300,385 | $3,354 | 2.79% |
| 42% | 12 | $3,070,000 | $255,833 | $3,241 | 2.60% |
| 43% | 12 | $3,150,000 | $262,500 | $2,661 | 2.88% |
| 38% | 10 | $2,630,000 | $263,000 | $2,782 | 2.53% |
| 36% | 10 | $2,550,000 | $255,000 | $2,882 | 2.74% |
| 48% | 9 | $2,395,000 | $266,111 | $3,232 | 2.57% |
| 45% | 9 | $2,245,000 | $249,444 | $3,074 | 2.79% |
| 47% | 8 | $1,650,000 | $206,250 | $3,003 | 2.63% |
| 44% | 7 | $1,785,000 | $255,000 | $2,662 | 2.89% |
| 49% | 4 | $1,070,000 | $267,500 | $3,144 | 2.66% |
| 46% | 2 | $390,000 | $195,000 | $3,800 | 2.38% |
El Dorado Savings Bank F.s.b. lent most frequently to those with DTI ratios of 20-30%, with 207 originations. The next most common DTI ratio? <20%, with 139 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 564 | $135,140,000 | $239,610 | $3,064 | 2.66% |
| Not provided | 39 | $11,825,000 | $303,205 | $3,111 | 2.62% |
| Asian | 10 | $2,690,000 | $269,000 | $3,504 | 2.75% |
| Black | 3 | $865,000 | $288,333 | $4,044 | 2.79% |
| Chinese | 2 | $760,000 | $380,000 | $2,000 | 2.88% |
| American Indian | 2 | $670,000 | $335,000 | $2,181 | 2.56% |
| Other Asian | 2 | $580,000 | $290,000 | $3,331 | 2.25% |
| Vietnamese | 1 | $505,000 | $505,000 | $2,585 | 2.50% |
| Korean | 1 | $425,000 | $425,000 | $2,243 | 2.50% |
| Not applicable | 2 | $310,000 | $155,000 | $3,213 | 3.69% |
| 1 | $275,000 | $275,000 | $5,044 | 2.25% | |
| Japanese | 1 | $95,000 | $95,000 | $1,656 | 2.13% |
| Filipino | 1 | $75,000 | $75,000 | $2,354 | 2.13% |
Approval Rates
Total approvals of all applications90.04%
El Dorado Savings Bank F.s.b. has an average approval rate.
Pick Rate
Approvals leading to origination89.20%
El Dorado Savings Bank F.s.b. has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 629 | $154,215,000 | $245,175 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 629 | $154,215,000 | $245,175 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 195 | $36,425,000 | $186,795 | $2,523 | 2.60% |
| 40-60% | 223 | $62,225,000 | $279,036 | $3,366 | 2.70% |
| 60-80% | 140 | $47,710,000 | $340,786 | $3,857 | 2.73% |
| 80-100% | 2 | $500,000 | $250,000 | $2,274 | 2.69% |
| Under 20% | 69 | $7,355,000 | $106,594 | $2,098 | 2.55% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| El Dorado Savings Bank, F.S.B. | 1036 Al Tahoe Blvd South Lake Tahoe, CA 96150 | Full Service B&M | $81,378 |
| El Dorado Savings Bank, F.S.B. | 3788 Us Highway 395 S Carson City, NV 89705 | Full Service B&M | $36,238 |
| El Dorado Savings Bank, F.S.B. | 3963 Park Dr El Dorado Hills, CA 95762 | Full Service B&M | $111,302 |
| El Dorado Savings Bank, F.S.B. | 400 N Main Street Lone Pine, CA 93545 | Full Service B&M | $67,852 |
| El Dorado Savings Bank, F.S.B. | 4040 El Dorado Road Placerville, CA 95667 | Full Service B&M | $141,724 |
| El Dorado Savings Bank, F.S.B. | 4060 Cameron Park Dr Cameron Park, CA 95682 | Full Service B&M | $107,633 |
| El Dorado Savings Bank, F.S.B. | 460 State Highway 49 Sutter Creek, CA 95685 | Full Service B&M | $68,869 |
| El Dorado Savings Bank, F.S.B. | 4701 Manzanita Ave Carmichael, CA 95608 | Full Service B&M | $65,539 |
| El Dorado Savings Bank, F.S.B. | 4768 J Street Sacramento, CA 95819 | Full Service B&M | $95,280 |
| El Dorado Savings Bank, F.S.B. | 515 N Main St Bishop, CA 93514 | Full Service B&M | $50,861 |
| El Dorado Savings Bank, F.S.B. | 5235 Vista Blvd Sparks, NV 89436 | Full Service B&M | $20,608 |
| El Dorado Savings Bank, F.S.B. | 5500 Folsom Blvd Sacramento, CA 95819 | Full Service B&M | $79,831 |
| El Dorado Savings Bank, F.S.B. | 6310 Hwy 193 Georgetown, CA 95634 | Full Service B&M | $80,024 |
| El Dorado Savings Bank, F.S.B. | 6462 Pony Express Trl Pollock Pines, CA 95726 | Full Service B&M | $59,208 |
| El Dorado Savings Bank, F.S.B. | 694 Pleasant Valley Rd Ste 3 Diamond Springs, CA 95619 | Full Service B&M | $56,148 |
| El Dorado Savings Bank, F.S.B. | 10130 Woodridge Dr Auburn, CA 95602 | Full Service B&M | $69,532 |
| El Dorado Savings Bank, F.S.B. | 7248 Murieta Drive B2 Rancho Murieta, CA 95683 | Full Service B&M | $101,601 |
| El Dorado Savings Bank, F.S.B. | 740 North Lake Blvd Tahoe City, CA 96145 | Full Service B&M | $50,026 |
| El Dorado Savings Bank, F.S.B. | 7895 Lichen Dr Citrus Heights, CA 95621 | Full Service B&M | $40,512 |
| El Dorado Savings Bank, F.S.B. | 8973 Grant Line Rd Ste 103 Elk Grove, CA 95624 | Full Service B&M | $41,752 |
| El Dorado Savings Bank, F.S.B. | 9003 Elk Grove Blvd Elk Grove, CA 95624 | Full Service B&M | $65,335 |
| El Dorado Savings Bank, F.S.B. | 942 Emerald Bay Rd South Lake Tahoe, CA 96150 | Full Service B&M | $101,673 |
| El Dorado Savings Bank, F.S.B. | 1227 Oak Ct Arnold, CA 95223 | Full Service B&M | $85,177 |
| El Dorado Savings Bank, F.S.B. | 135 Main St Jackson, CA 95642 | Full Service B&M | $63,771 |
| El Dorado Savings Bank, F.S.B. | 1517 Us 395 N Gardnerville, NV 89410 | Full Service B&M | $54,906 |
| El Dorado Savings Bank, F.S.B. | 1751 E Main St Grass Valley, CA 95945 | Full Service B&M | $70,467 |
| El Dorado Savings Bank, F.S.B. | 18726 State Highway 49 Plymouth, CA 95669 | Full Service B&M | $53,776 |
| El Dorado Savings Bank, F.S.B. | 20146 Highway 88 Pine Grove, CA 95665 | Full Service B&M | $54,845 |
| El Dorado Savings Bank, F.S.B. | 206 E St Charles San Andreas, CA 95249 | Full Service B&M | $63,153 |
| El Dorado Savings Bank, F.S.B. | 22900 Twain Harte Drive Twain Harte, CA 95383 | Full Service B&M | $71,498 |
| El Dorado Savings Bank, F.S.B. | 245 Tom Bell Rd Murphys, CA 95247 | Full Service B&M | $84,448 |
| El Dorado Savings Bank, F.S.B. | 247 Main St. Placerville, CA 95667 | Full Service B&M | $47,709 |
| El Dorado Savings Bank, F.S.B. | 276 Kingsbury Grade Ste 1000 Stateline, NV 89449 | Full Service B&M | $35,378 |
| El Dorado Savings Bank, F.S.B. | 2888 Ray Lawyer Dr Placerville, CA 95667 | Full Service B&M | $91,332 |
| El Dorado Savings Bank, F.S.B. | 300 E Bidwell St Folsom, CA 95630 | Full Service B&M | $56,678 |
For 2021, El Dorado Savings Bank F.s.b. had 35 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $42,663 |
| Net interest income | $38,412 |
| Total noninterest income | $8,717 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $2,398 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $6,319 |
| Pre-tax net operating income | $10,275 |
| Securities gains (or losses, -) | $-19 |
| Income before extraordinary items | $9,413 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $9,413 |
| Minority interest net income | $0 |
| Net income | $9,413 |
| Sale, conversion, retirement of capital stock, net | $-504 |
| Net operating income | $9,430 |
El Dorado Savings Bank F.s.b.'s gross interest income from loans was $42,663,000.
El Dorado Savings Bank F.s.b.'s net interest income from loans was $38,412,000.
El Dorado Savings Bank F.s.b.'s fee based income from loans was $2,398,000.
El Dorado Savings Bank F.s.b.'s net income from loans was $9,413,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $4,251 |
| Provision for credit losses | $150 |
| Total noninterest expense | $36,704 |
| Salaries and employee benefits | $18,666 |
| Premises and equipment expense | $5,086 |
| Additional noninterest expense | $12,952 |
| Applicable income taxes | $843 |
| Net charge-offs | $58 |
| Cash dividends | $3,449 |
El Dorado Savings Bank F.s.b.'s interest expense for loans was $4,251,000.
El Dorado Savings Bank F.s.b.'s payroll and benefits expense were $18,666,000.
El Dorado Savings Bank F.s.b.'s property, plant and equipment expenses $5,086,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 2.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $2,561,638 |
| Deposits held in domestic offices | $2,561,638 |
| Deposits by Individuals, partnerships, and corporations | $2,551,183 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $10,455 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,180,304 |
| Demand deposits | $396,281 |
| Nontransaction accounts | $1,381,334 |
| Money market deposit accounts (MMDAs) | $538,979 |
| Other savings deposits (excluding MMDAs) | $461,296 |
| Total time deposits | $381,059 |
| Total time and savings deposits | $2,165,357 |
| Noninterest-bearing deposits | $396,281 |
| Interest-bearing deposits | $2,165,357 |
| Retail deposits | $2,489,185 |
| IRAs and Keogh plan accounts | $63,867 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,841,533 |
| Cash & Balances due from depository institutions | $598,143 |
| Interest-bearing balances | $574,918 |
| Total securities | $1,618,675 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $556,356 |
| Loan and leases loss allowance | $6,186 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $23,587 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $166 |
| All other assets | $44,606 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,841,533 |
| Total Liabilities | $2,576,916 |
| Total deposits | $2,561,638 |
| Interest-bearing deposits | $2,165,357 |
| Deposits held in domestic offices | $2,561,638 |
| % insured (estimated) | $86 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $15,278 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $556,356 |
| Loan and leases loss allowance | $6,186 |
| Total loans and leases (domestic) | $562,542 |
| All real estate loans | $562,333 |
| Real estate loans in domestic offices | $562,333 |
| Construction and development loans | $183 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $183 |
| Loans secured by nonfarm nonresidential properties | $3,197 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,538 |
| Commercial real estate & other non-farm, non-residential | $1,659 |
| Multifamily residential real estate | $63 |
| 1-4 family residential loans | $558,890 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $0 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $26 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $26 |
| All other loans & leases | $184 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $184 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $2,449 |
| Non 1-4 family restructured loans & leases | $315 |
| Total loans and leases (foreign) | $0 |
El Dorado Savings Bank F.S.B. had $556,356,000 of loans outstanding in 2021. $562,333,000 of loans were in real estate loans. $183,000 of loans were in development loans. $63,000 of loans were in multifamily mortgage loans. $558,890,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 32 | $3,197 | $99,906 |
| Nonfarm, nonresidential loans - <$100k | 11 | $454 | $41,273 |
| Nonfarm, nonresidential loans - $100-250k | 17 | $1,668 | $98,118 |
| Nonfarm, nonresidential loans - $250k-1MM | 4 | $1,075 | $268,750 |
