El Dorado Savings Bank F.s.b. Mortgage Rates, Fees & Info
Placerville, CALEI: 549300KLBHBLTPBU7507
Tax ID: 94-1400676
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Mortgage Data
Review & Overview
El Dorado Savings Bank F.s.b. is a smaller bank specializing in Refi and Home Purchase loans. El Dorado Savings Bank F.s.b. has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Truckee, Carson City, Reno, and Sonora among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)El Dorado Savings Bank F.s.b. 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.
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Originations
57Origination Dollar Volume (All Markets)
$18,905,000Top 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 |
|---|---|---|---|---|---|
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 40 | $14,270,000 | $356,750 | $0 | 0.00% |
| Outside of Metro Areas | 8 | $2,100,000 | $262,500 | $0 | 0.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $0 | 0.00% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $0 | 0.00% |
| RENO, NV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Sonora, CA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 0.00% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against El Dorado Savings Bank F.S.B. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 57 | $18,905,000 | $331,667 | $0 | 0.00% |
For 2024, El Dorado Savings Bank F.s.b.'s most frequently originated type of loan was Conventional, with 57 originations.
Loan Reason
For 2024, El Dorado Savings Bank F.s.b.'s most frequently cited loan purpose was Refi, with 26 originations. The 2nd most popular reason was Home Purchase, with 25 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 57 | $18,905,000 | $331,667 | $0 | 0.00% |
For 2024, El Dorado Savings Bank F.s.b.'s most frequently cited loan duration was Other, with 57 originations.
Loan Sizing
2024 saw El Dorado Savings Bank F.s.b. place emphasis on $200k-400k loans with 19 originations, totaling $5,935,000 in origination value.
Applicant Income
El Dorado Savings Bank F.s.b. lent most frequently to those with incomes in the $150k-250k range, with 18 originations. The second most popular income band? $250k+, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 57 | $18,905,000 | $331,667 | $0 | 0.00% |
El Dorado Savings Bank F.s.b. lent most frequently to those with DTI ratios of Exempt%, with 57 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.35%
El Dorado Savings Bank F.s.b. has a below average approval rate.
Pick Rate
Approvals leading to origination57.89%
El Dorado Savings Bank F.s.b. 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 |
|---|---|---|---|
| Exempt | 57 | $18,905,000 | $331,667 |