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™
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    • 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, Truckee, Sonora, Gardnerville Ranchos, and Reno among others. We have data for 8 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 an above 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.41% 12/16/24
    30 Year Conventional Refi 5.51% 12/16/24
    15 Year Conventional Purchase 5.12% 12/16/24
    15 Year Conventional Refi 5.25% 12/16/24
    15 Year Cash-out Refi 5.25% 12/16/24
    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

    629

    Origination Dollar Volume (All Markets)

    $154,215,000

    Employee count

    267 Show all (9) 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) 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.

    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.

    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 960
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 1134
    GREATER NEVADA LLC
    Similarity Rank: 1173
    LOANFLIGHT LENDING, LLC
    Similarity Rank: 1560
    VICTORIA FINANCIAL CORP.
    Similarity Rank: 2112
    WINNPOINTE CORPORATION
    Similarity Rank: 2272
    FISHER FINANCIAL GROUP, INCORPORATED
    Similarity Rank: 2542
    LOANSNAP, INC.
    Similarity Rank: 2679
    Kwik Mortgage Corporation
    Similarity Rank: 2714
    Provident Credit Union
    Similarity Rank: 2720

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 629 $154,215,000 $245,175 $3,071 2.66%

    For 2021, El Dorado Savings Bank F.s.b.'s most frequently originated type of loan was Conventional, with 629 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, El Dorado Savings Bank F.s.b.'s most frequently cited loan purpose was Refi, with 559 originations. The 2nd most popular reason was 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 2021, El Dorado Savings Bank F.s.b.'s most frequently cited loan duration was 30 Year, with 331 originations. The 2nd most popular length was 15 Year, with 156 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 63 $19,225,000 $305,159
    $4k-5k 24 $9,810,000 $408,750
    $5k+ 19 $10,625,000 $559,211

    El Dorado Savings Bank F.s.b.'s average total fees were $3,095, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.86%, while their most frequently originated rate bucket for loans was 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 applications
    91.48%

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

    Pick Rate

    Approvals leading to origination
    91.57%

    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. 3788 Us Highway 395 S Carson City, NV 89705 Full Service B&M $36,238
    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. 1036 Al Tahoe Blvd South Lake Tahoe, CA 96150 Full Service B&M $81,378
    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
    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. 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

    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