El Dorado Savings Bank F.s.b. Mortgage Rates, Fees & Info

Placerville, CA

LEI: 549300KLBHBLTPBU7507

Tax ID: 94-1400676

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & 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 by origination volume include: Sacramento, Sonora, Gardnerville Ranchos, Truckee, and Reno 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 above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. El Dorado Savings Bank F.s.b. is typically a low 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.41% 4/18/24
    30 Year Conventional Refi 5.51% 4/18/24
    15 Year Conventional Purchase 5.12% 4/18/24
    15 Year Conventional Refi 5.25% 4/18/24
    15 Year Cash-out Refi 5.25% 4/18/24
    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.

    El Dorado Savings Bank F.s.b. Mortgage Calculator






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


    Originations

    700

    Origination Dollar Volume (All Markets)

    $166,110,000

    Employee count

    261

    Awards

    El Dorado Savings Bank F.S.B. 30 Year Conventional Loans gold El Dorado Savings Bank F.S.B. 30 Year Conventional Loans bronze El Dorado Savings Bank F.S.B. 30 Year Conventional Loans gold
    Show all (3) 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
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 490 $121,490,000 $247,939 $2,935 2.98%
    Outside of Metro Areas 110 $22,770,000 $207,000 $3,243 2.97%
    Sonora, CA (FHA|USDA|VA) 33 $7,105,000 $215,303 $3,188 2.97%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 25 $5,615,000 $224,600 $2,929 2.95%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 24 $5,390,000 $224,583 $3,229 2.91%
    RENO, NV (FHA|USDA|VA) 13 $3,015,000 $231,923 $2,969 3.19%
    CARSON CITY, NV (FHA|USDA|VA) 5 $725,000 $145,000 $2,435 3.25%
    El Dorado Savings Bank F.s.b.'s top markets include Sacramento, Sonora, Gardnerville Ranchos, Truckee, and Reno among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)

    • 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.

    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 330
    GREATER NEVADA LLC
    Similarity Rank: 976
    TRI-EMERALD FINANCIAL GROUP, INC.
    Similarity Rank: 1054
    S&S Financial
    Similarity Rank: 1368
    VICTORIA FINANCIAL CORP.
    Similarity Rank: 1392
    WINNPOINTE CORPORATION
    Similarity Rank: 1914
    SACRAMENTO Credit Union
    Similarity Rank: 2256
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 2282
    Kwik Mortgage Corporation
    Similarity Rank: 2581
    Semper Home Loans, Inc.
    Similarity Rank: 2848

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 700 $166,110,000 $237,300 $3,002 2.98%

    For 2020, El Dorado Savings Bank F.s.b.'s most frequently originated type of loan was Conventional, with 700 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 615 $149,075,000 $242,398 $3,014 2.97%
    Home Purchase 47 $9,695,000 $206,277 $3,054 3.02%
    Home Improvement 21 $2,975,000 $141,667 $2,221 3.08%
    Other 17 $4,365,000 $256,765 $3,395 2.95%

    For 2020, El Dorado Savings Bank F.s.b.'s most frequently cited loan purpose was Refi, with 615 originations. The 2nd most popular reason was Home Purchase, with 47 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 303 $72,115,000 $238,003 $3,015 2.75%
    30 Year 263 $64,275,000 $244,392 $3,120 3.35%
    10 Year 69 $14,725,000 $213,406 $2,677 2.65%
    20 Year 58 $13,980,000 $241,034 $2,947 2.98%
    5 Year 7 $1,015,000 $145,000 $1,682 2.52%

    For 2020, El Dorado Savings Bank F.s.b.'s most frequently cited loan duration was 15 Year, with 303 originations. The 2nd most popular length was 30 Year, with 263 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 359 $85,075,000 $236,978
    $1k-2k 115 $16,075,000 $139,783
    $2k-3k 113 $23,755,000 $210,221
    $3k-4k 65 $20,055,000 $308,538
    $4k-5k 33 $12,885,000 $390,455
    $5k+ 15 $8,265,000 $551,000

    El Dorado Savings Bank F.s.b.'s average total fees were $3,120, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 359 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 369 $90,275,000 $244,648
    3-4% 232 $55,130,000 $237,629
    <2.5% 88 $18,920,000 $215,000
    4-5% 11 $1,785,000 $162,273

    During 2020, El Dorado Savings Bank F.s.b.'s average interest rate for loans was 3.35%, while their most frequently originated rate bucket for loans was 2.5-3%, with 369 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 323 $89,965,000 $278,529 $3,270 3.03%
    $100k-200k 249 $36,775,000 $147,691 $2,510 2.96%
    $400k-600k 61 $28,605,000 $468,934 $4,161 2.96%
    $100,000 or less 57 $4,295,000 $75,351 $1,966 2.86%
    $600k-1MM 10 $6,470,000 $647,000 $5,460 2.69%

    2020 saw El Dorado Savings Bank F.s.b. place emphasis on $200k-400k loans with 323 originations, totaling $89,965,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 149 $40,725,000 $273,322 $3,082 2.88%
    $100k-150k 138 $33,390,000 $241,957 $3,128 2.93%
    $50k-75k 124 $22,430,000 $180,887 $2,702 3.10%
    $75k-100k 115 $24,735,000 $215,087 $2,924 2.98%
    $50k or less 78 $11,820,000 $151,538 $2,545 3.22%
    $250k+ 68 $26,100,000 $383,824 $3,863 2.79%

    El Dorado Savings Bank F.s.b. lent most frequently to those with incomes in the $150k-250k range, with 149 originations. The second most popular income band? $100k-150k, with 138 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 228 $51,930,000 $227,763 $2,816 2.96%
    <20% 168 $37,110,000 $220,893 $2,900 2.86%
    30-36% 114 $28,630,000 $251,140 $3,123 2.98%
    50-60% 24 $6,600,000 $275,000 $3,507 3.02%
    >60% 19 $4,915,000 $258,684 $3,549 3.08%
    38% 17 $4,205,000 $247,353 $3,601 3.22%
    41% 16 $4,270,000 $266,875 $2,751 3.10%
    36% 14 $3,670,000 $262,143 $2,833 3.09%
    37% 14 $2,960,000 $211,429 $2,651 3.14%
    39% 13 $3,145,000 $241,923 $3,146 2.95%
    44% 12 $2,720,000 $226,667 $2,968 2.94%
    45% 12 $3,070,000 $255,833 $3,311 2.94%
    49% 8 $1,940,000 $242,500 $2,575 3.41%
    43% 8 $2,410,000 $301,250 $3,224 3.00%
    40% 7 $1,835,000 $262,143 $3,625 3.36%
    42% 6 $1,630,000 $271,667 $3,612 3.02%
    46% 6 $2,110,000 $351,667 $4,976 2.75%
    48% 5 $1,055,000 $211,000 $2,681 3.08%
    47% 5 $1,155,000 $231,000 $3,146 3.63%

    El Dorado Savings Bank F.s.b. lent most frequently to those with DTI ratios of 20-30%, with 228 originations. The next most common DTI ratio? <20%, with 168 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 615 $145,195,000 $236,089 $3,005 2.98%
    Not provided 22 $5,930,000 $269,545 $2,483 3.00%
    Asian 24 $5,920,000 $246,667 $3,324 2.81%
    Black 10 $2,520,000 $252,000 $3,099 2.89%
    American Indian 10 $1,770,000 $177,000 $2,486 2.99%
    Filipino 4 $1,220,000 $305,000 $2,795 2.81%
    Vietnamese 3 $815,000 $271,667 $4,051 3.00%
    Not applicable 4 $750,000 $187,500 $3,548 4.06%
    Native Hawaiian or Islander 3 $725,000 $241,667 $3,061 3.00%
    Chinese 2 $470,000 $235,000 $3,537 2.75%
    Other Asian 1 $425,000 $425,000 $6,086 2.63%
    Korean 1 $255,000 $255,000 $1,661 2.88%
    1 $115,000 $115,000 $1,693 2.88%

    Approval Rates

    Total approvals of all applications
    92.24%

    El Dorado Savings Bank F.s.b. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.57%

    El Dorado Savings Bank F.s.b. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 700 $166,110,000 $237,300

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 44 $9,720,000 $220,909
    Single Family (1-4 Units):Site-Built 656 $156,390,000 $238,399

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 206 $36,590,000 $177,621 $2,530 2.91%
    40-60% 252 $63,530,000 $252,103 $3,182 3.00%
    60-80% 193 $61,045,000 $316,295 $3,511 3.09%
    80-100% 1 $285,000 $285,000 $2,698 2.63%
    Under 20% 48 $4,660,000 $97,083 $2,051 2.70%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    El Dorado Savings Bank, F.S.B. 135 Main St Jackson, CA 95642 Full Service B&M $56,714
    El Dorado Savings Bank, F.S.B. 1036 Al Tahoe Blvd South Lake Tahoe, CA 96150 Full Service B&M $66,545
    El Dorado Savings Bank, F.S.B. 10612 Combie Rd Auburn, CA 95602 Full Service B&M $53,491
    El Dorado Savings Bank, F.S.B. 1227 Oak Ct Arnold, CA 95223 Full Service B&M $71,743
    El Dorado Savings Bank, F.S.B. 1517 Us 395 N Gardnerville, NV 89410 Full Service B&M $46,719
    El Dorado Savings Bank, F.S.B. 1751 E Main St Grass Valley, CA 95945 Full Service B&M $59,102
    El Dorado Savings Bank, F.S.B. 18726 State Highway 49 Plymouth, CA 95669 Full Service B&M $40,747
    El Dorado Savings Bank, F.S.B. 20146 Highway 88 Pine Grove, CA 95665 Full Service B&M $52,061
    El Dorado Savings Bank, F.S.B. 206 E St Charles San Andreas, CA 95249 Full Service B&M $57,729
    El Dorado Savings Bank, F.S.B. 22900 Twain Harte Drive Twain Harte, CA 95383 Full Service B&M $58,845
    El Dorado Savings Bank, F.S.B. 245 Tom Bell Rd Murphys, CA 95247 Full Service B&M $72,023
    El Dorado Savings Bank, F.S.B. 247 Main St. Placerville, CA 95667 Full Service B&M $43,373
    El Dorado Savings Bank, F.S.B. 276 Kingsbury Grade Ste 1000 Stateline, NV 89449 Full Service B&M $30,311
    El Dorado Savings Bank, F.S.B. 2888 Ray Lawyer Dr Placerville, CA 95667 Full Service B&M $74,091
    El Dorado Savings Bank, F.S.B. 300 E Bidwell St Folsom, CA 95630 Full Service B&M $53,986
    El Dorado Savings Bank, F.S.B. 3788 Us Highway 395 S Carson City, NV 89705 Full Service B&M $30,811
    El Dorado Savings Bank, F.S.B. 3963 Park Dr El Dorado Hills, CA 95762 Full Service B&M $97,071
    El Dorado Savings Bank, F.S.B. 400 N Main Street Lone Pine, CA 93545 Full Service B&M $59,700
    El Dorado Savings Bank, F.S.B. 4040 El Dorado Road Placerville, CA 95667 Full Service B&M $127,467
    El Dorado Savings Bank, F.S.B. 4060 Cameron Park Dr Cameron Park, CA 95682 Full Service B&M $94,695
    El Dorado Savings Bank, F.S.B. 460 State Highway 49 Sutter Creek, CA 95685 Full Service B&M $63,527
    El Dorado Savings Bank, F.S.B. 4701 Manzanita Ave Carmichael, CA 95608 Full Service B&M $61,462
    El Dorado Savings Bank, F.S.B. 4768 J Street Sacramento, CA 95819 Full Service B&M $79,767
    El Dorado Savings Bank, F.S.B. 515 N Main St Bishop, CA 93514 Full Service B&M $48,150
    El Dorado Savings Bank, F.S.B. 5235 Vista Blvd Sparks, NV 89436 Full Service B&M $18,114
    El Dorado Savings Bank, F.S.B. 5500 Folsom Blvd Sacramento, CA 95819 Full Service B&M $76,060
    El Dorado Savings Bank, F.S.B. 6310 Hwy 193 Georgetown, CA 95634 Full Service B&M $67,640
    El Dorado Savings Bank, F.S.B. 6462 Pony Express Trl Pollock Pines, CA 95726 Full Service B&M $52,562
    El Dorado Savings Bank, F.S.B. 694 Pleasant Valley Rd Ste 3 Diamond Springs, CA 95619 Full Service B&M $42,682
    El Dorado Savings Bank, F.S.B. 7248 Murieta Drive B2 Rancho Murieta, CA 95683 Full Service B&M $87,793
    El Dorado Savings Bank, F.S.B. 740 North Lake Blvd Tahoe City, CA 96145 Full Service B&M $38,460
    El Dorado Savings Bank, F.S.B. 7895 Lichen Dr Citrus Heights, CA 95621 Full Service B&M $38,118
    El Dorado Savings Bank, F.S.B. 8973 Grant Line Rd Ste 103 Elk Grove, CA 95624 Full Service B&M $32,519
    El Dorado Savings Bank, F.S.B. 9003 Elk Grove Blvd Elk Grove, CA 95624 Full Service B&M $63,902
    El Dorado Savings Bank, F.S.B. 942 Emerald Bay Rd South Lake Tahoe, CA 96150 Full Service B&M $86,677

    For 2020, El Dorado Savings Bank F.s.b. had 35 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $49,847
    Net interest income $43,552
    Total noninterest income $8,070
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $2,437
    Trading account gains and fees $0
    Additional Noninterest Income $5,633
    Pre-tax net operating income $14,316
    Securities gains (or losses, -) $-5
    Income before extraordinary items $11,979
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $11,979
    Minority interest net income $0
    Net income $11,979
    Sale, conversion, retirement of capital stock, net $-176
    Net operating income $11,983

    El Dorado Savings Bank F.s.b.'s gross interest income from loans was $49,847,000.
    El Dorado Savings Bank F.s.b.'s net interest income from loans was $43,552,000.
    El Dorado Savings Bank F.s.b.'s fee based income from loans was $2,437,000.
    El Dorado Savings Bank F.s.b.'s net income from loans was $11,979,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,295
    Provision for credit losses $1,000
    Total noninterest expense $36,306
    Salaries and employee benefits $19,029
    Premises and equipment expense $4,891
    Additional noninterest expense $12,386
    Applicable income taxes $2,332
    Net charge-offs $-208
    Cash dividends $3,871

    El Dorado Savings Bank F.s.b.'s interest expense for loans was $6,295,000.
    El Dorado Savings Bank F.s.b.'s payroll and benefits expense were $19,029,000.
    El Dorado Savings Bank F.s.b.'s property, plant and equipment expenses $4,891,000.

    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 1.0%
    Nonfarm, nonresidential loans 1.0%
    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 6.0%
    Credit card loans 0.0%
    Other individual loans 6.0%
    Auto loans 0.0%
    Other consumer loans 6.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,243,152
    Deposits held in domestic offices $2,243,152
    Deposits by Individuals, partnerships, and corporations $2,233,177
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $9,975
    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 $699,137
    Demand deposits $73,174
    Nontransaction accounts $1,544,015
    Money market deposit accounts (MMDAs) $190,930
    Other savings deposits (excluding MMDAs) $948,190
    Total time deposits $404,895
    Total time and savings deposits $2,169,978
    Noninterest-bearing deposits $73,174
    Interest-bearing deposits $2,169,978
    Retail deposits $2,171,399
    IRAs and Keogh plan accounts $66,379
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,512,874
    Cash & Balances due from depository institutions $423,645
    Interest-bearing balances $398,562
    Total securities $1,428,093
    Federal funds sold & reverse repurchase $0
    Net loans and leases $597,468
    Loan and leases loss allowance $6,094
    Trading account assets $0
    Bank premises and fixed assets $19,741
    Other real estate owned $0
    Goodwill and other intangibles $301
    All other assets $43,626

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,512,874
    Total Liabilities $2,253,717
    Total deposits $2,243,152
    Interest-bearing deposits $2,169,978
    Deposits held in domestic offices $2,243,152
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $10,565

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $597,468
    Loan and leases loss allowance $6,094
    Total loans and leases (domestic) $603,562
    All real estate loans $603,405
    Real estate loans in domestic offices $603,405
    Construction and development loans $181
    Residential 1-4 family construction $0
    Other construction, all land development and other land $181
    Loans secured by nonfarm nonresidential properties $4,044
    Nonfarm nonresidential secured by owner-occupied properties $1,268
    Commercial real estate & other non-farm, non-residential $2,776
    Multifamily residential real estate $72
    1-4 family residential loans $599,108
    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 $32
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $32
    All other loans & leases $126
    Loans to foreign governments and official institutions $0
    Other loans $126
    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 $2,882
    Non 1-4 family restructured loans & leases $332
    Total loans and leases (foreign) $0

    El Dorado Savings Bank F.S.B. had $597,468,000 of loans outstanding in 2020. $603,405,000 of loans were in real estate loans. $181,000 of loans were in development loans. $72,000 of loans were in multifamily mortgage loans. $599,108,000 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 39 $4,044 $103,692
    Nonfarm, nonresidential loans - <$100k 13 $561 $43,154
    Nonfarm, nonresidential loans - $100-250k 19 $2,143 $112,789
    Nonfarm, nonresidential loans - $250k-1MM 7 $1,340 $191,429