Lenox Financial Mortgage Corporation Rates, Fees & Info

SANTA ANA, CA

LEI: 549300LROQOOQU77WS20

Tax ID: 95-4762204

5 stars - out of 5 stars, based on 62 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Lenox Financial Mortgage Corporation is a small mortgage company specializing in Refi and Cash Out Refi loans. Lenox Financial Mortgage Corporation has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Los Angeles, Riverside, San Francisco, Phoenix, and San Jose among others. Lenox Financial Mortgage Corporation 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. Lenox Financial Mortgage Corporation is typically an average fee lendor.


Originations

3,847

Origination Dollar Volume (All Markets)

$1,271,175,000
Show all (29) awards

Relative Rate

Lenox Financial Mortgage Corporation's average 30 year fixed rate mortgage of loans were 2.99%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.16%.

Relative Fees

Lenox Financial Mortgage Corporation's average total fees for a 30 year fixed rate mortgage are $4,053.

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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 600 $239,270,000 $398,783 $3,197 2.71%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 325 $103,215,000 $317,585 $3,510 2.85%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 172 $79,440,000 $461,860 $3,753 2.77%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 255 $69,205,000 $271,392 $3,462 2.96%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 140 $67,550,000 $482,500 $3,260 2.70%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 151 $57,295,000 $379,437 $3,891 2.72%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 109 $42,645,000 $391,239 $7,342 2.92%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 118 $36,420,000 $308,644 $2,786 2.75%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 109 $35,845,000 $328,853 $2,837 2.83%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 79 $31,545,000 $399,304 $3,441 2.78%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 81 $25,895,000 $319,691 $3,123 2.97%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 81 $23,685,000 $292,407 $3,057 2.86%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 91 $22,725,000 $249,725 $3,707 2.97%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 64 $21,360,000 $333,750 $2,453 2.77%
Outside of Metro Areas 63 $19,295,000 $306,270 $3,709 2.89%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 50 $18,050,000 $361,000 $4,249 2.89%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 55 $15,175,000 $275,909 $4,363 2.89%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 53 $14,775,000 $278,774 $4,240 2.86%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 43 $14,235,000 $331,047 $4,740 3.02%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 48 $13,240,000 $275,833 $4,486 2.97%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 51 $13,105,000 $256,961 $2,735 2.89%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 35 $10,285,000 $293,857 $5,204 2.90%
SALT LAKE CITY, UT (FHA|USDA|VA) 32 $9,800,000 $306,250 $3,867 3.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 26 $9,340,000 $359,231 $4,687 2.88%
STOCKTON, CA (FHA|USDA|VA) 25 $9,155,000 $366,200 $3,323 3.00%
FRESNO, CA (FHA|USDA|VA) 30 $8,660,000 $288,667 $2,423 2.83%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 36 $8,050,000 $223,611 $5,081 2.87%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 29 $7,745,000 $267,069 $3,285 3.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 25 $6,455,000 $258,200 $4,612 2.91%
WORCESTER, MA-CT (FHA|USDA|VA) 21 $6,075,000 $289,286 $3,490 2.92%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 13 $5,375,000 $413,462 $3,461 2.87%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 17 $5,195,000 $305,588 $5,364 2.93%
PROVO-OREM, UT (FHA|USDA|VA) 15 $5,165,000 $344,333 $2,793 2.87%
BAKERSFIELD, CA (FHA|USDA|VA) 22 $4,970,000 $225,909 $2,608 2.93%
JACKSONVILLE, FL (FHA|USDA|VA) 17 $4,945,000 $290,882 $4,029 3.14%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 11 $4,815,000 $437,727 $3,226 2.76%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 13 $4,635,000 $356,538 $2,892 2.73%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 19 $4,505,000 $237,105 $3,915 2.97%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 17 $4,505,000 $265,000 $3,981 2.89%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 16 $4,320,000 $270,000 $3,408 2.91%
VALLEJO, CA (FHA|USDA|VA) 10 $3,940,000 $394,000 $3,653 2.71%
COLORADO SPRINGS, CO (FHA|USDA|VA) 11 $3,845,000 $349,545 $2,570 2.67%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 12 $3,640,000 $303,333 $2,954 2.96%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 12 $3,420,000 $285,000 $4,764 3.02%
GREELEY, CO (FHA|USDA|VA) 10 $3,410,000 $341,000 $3,269 2.86%
Truckee-Grass Valley, CA (FHA|USDA|VA) 9 $3,375,000 $375,000 $1,992 2.47%
COLUMBUS, OH (FHA|USDA|VA) 14 $3,270,000 $233,571 $4,053 2.96%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 11 $3,265,000 $296,818 $3,360 3.03%
BOISE CITY, ID (FHA|USDA|VA) 10 $2,890,000 $289,000 $3,055 2.80%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 7 $2,785,000 $397,857 $4,336 2.82%
BOULDER, CO (FHA|USDA|VA) 8 $2,760,000 $345,000 $3,230 2.53%
YUBA CITY, CA (FHA|USDA|VA) 9 $2,755,000 $306,111 $3,218 2.64%
RICHMOND, VA (FHA|USDA|VA) 8 $2,630,000 $328,750 $4,910 2.95%
KNOXVILLE, TN (FHA|USDA|VA) 7 $2,555,000 $365,000 $1,823 2.55%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 10 $2,470,000 $247,000 $3,399 2.84%
HUNTSVILLE, AL (FHA|USDA|VA) 9 $2,465,000 $273,889 $5,330 3.10%
MODESTO, CA (FHA|USDA|VA) 8 $2,400,000 $300,000 $5,099 2.50%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $2,375,000 $263,889 $4,215 3.18%
KANSAS CITY, MO-KS (FHA|USDA|VA) 9 $2,365,000 $262,778 $5,004 3.13%
FORT COLLINS, CO (FHA|USDA|VA) 7 $2,325,000 $332,143 $2,751 2.89%
MADERA, CA (FHA|USDA|VA) 9 $2,325,000 $258,333 $3,027 2.92%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 8 $2,300,000 $287,500 $3,786 2.89%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 10 $2,260,000 $226,000 $5,622 3.21%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 8 $2,220,000 $277,500 $2,701 2.88%
COLUMBIA, SC (FHA|USDA|VA) 11 $2,215,000 $201,364 $5,379 2.84%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $2,150,000 $1,075,000 $10,308 3.44%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 8 $2,090,000 $261,250 $4,012 3.06%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 9 $2,085,000 $231,667 $5,377 2.99%
PITTSBURGH, PA (FHA|USDA|VA) 8 $2,080,000 $260,000 $4,302 2.64%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $2,080,000 $260,000 $3,823 2.95%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 5 $2,075,000 $415,000 $3,612 3.03%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $1,935,000 $387,000 $4,125 3.23%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,845,000 $615,000 $17,695 3.04%
TUCSON, AZ (FHA|USDA|VA) 7 $1,765,000 $252,143 $2,709 2.73%
NAPA, CA (FHA|USDA|VA) 6 $1,760,000 $293,333 $3,294 2.77%
VISALIA, CA (FHA|USDA|VA) 8 $1,760,000 $220,000 $2,959 3.03%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 6 $1,760,000 $293,333 $4,448 2.96%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,755,000 $351,000 $7,174 3.20%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $1,600,000 $266,667 $6,183 3.02%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 6 $1,570,000 $261,667 $2,852 2.83%
ST. GEORGE, UT (FHA|USDA|VA) 5 $1,545,000 $309,000 $2,072 2.68%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $1,540,000 $256,667 $2,360 2.96%
YAKIMA, WA (FHA|USDA|VA) 4 $1,500,000 $375,000 $3,016 2.56%
OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $1,480,000 $246,667 $2,851 3.06%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 5 $1,445,000 $289,000 $4,603 2.78%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $1,370,000 $342,500 $6,012 2.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $1,340,000 $335,000 $1,608 2.63%
Heber, UT (FHA|USDA|VA) 3 $1,225,000 $408,333 $2,531 3.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,200,000 $200,000 $5,304 3.19%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,155,000 $231,000 $4,675 3.15%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,150,000 $191,667 $4,077 2.96%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $1,140,000 $285,000 $4,266 3.09%
MERCED, CA (FHA|USDA|VA) 4 $1,090,000 $272,500 $2,147 2.84%
Outside of Metro Areas 3 $1,085,000 $361,667 $3,940 3.17%
TULSA, OK (FHA|USDA|VA) 3 $1,045,000 $348,333 $6,422 3.13%
SALEM, OR (FHA|USDA|VA) 5 $1,025,000 $205,000 $3,500 2.48%
FLAGSTAFF, AZ (FHA|USDA|VA) 4 $1,010,000 $252,500 $3,534 2.47%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $1,005,000 $335,000 $4,899 2.92%
GRAND JUNCTION, CO (FHA|USDA|VA) 3 $1,005,000 $335,000 $1,763 2.83%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $980,000 $245,000 $3,289 2.69%
CHICO, CA (FHA|USDA|VA) 5 $935,000 $187,000 $4,362 2.55%
SALINAS, CA (FHA|USDA|VA) 4 $930,000 $232,500 $3,700 2.75%
MEDFORD, OR (FHA|USDA|VA) 2 $920,000 $460,000 $2,727 2.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $920,000 $230,000 $5,775 2.91%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $870,000 $435,000 $4,441 2.44%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $865,000 $288,333 $2,476 2.96%
Payson, AZ (FHA|USDA|VA) 4 $850,000 $212,500 $3,821 3.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $850,000 $425,000 $6,191 3.38%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $850,000 $212,500 $3,476 3.09%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $840,000 $210,000 $3,786 3.19%
Jefferson, GA (FHA|USDA|VA) 3 $825,000 $275,000 $7,805 3.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 5 $825,000 $165,000 $4,135 2.98%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $755,000 $251,667 $1,730 2.58%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $755,000 $151,000 $5,088 3.15%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $750,000 $375,000 $6,116 3.31%
Aberdeen, WA (FHA|USDA|VA) 5 $735,000 $147,000 $5,714 3.45%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $665,000 $221,667 $2,680 2.83%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $660,000 $330,000 $2,379 2.94%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $655,000 $218,333 $4,730 2.83%
Traverse City, MI (FHA|USDA|VA) 2 $650,000 $325,000 $2,523 3.25%
Brainerd, MN (FHA|USDA|VA) 2 $650,000 $325,000 $1,515 2.94%
RENO, NV (FHA|USDA|VA) 2 $650,000 $325,000 $4,824 3.06%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $635,000 $211,667 $3,456 2.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $625,000 $208,333 $3,658 3.17%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $615,000 $205,000 $6,261 2.96%
BATON ROUGE, LA (FHA|USDA|VA) 5 $605,000 $121,000 $3,430 2.98%
ROCHESTER, NY (FHA|USDA|VA) 3 $585,000 $195,000 $2,928 3.13%
Clearlake, CA (FHA|USDA|VA) 3 $575,000 $191,667 $1,718 2.58%
Red Bluff, CA (FHA|USDA|VA) 2 $570,000 $285,000 $1,508 2.75%
LUBBOCK, TX (FHA|USDA|VA) 2 $560,000 $280,000 $3,306 3.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $545,000 $545,000 $2,703 2.88%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $540,000 $270,000 $6,311 3.19%
SPARTANBURG, SC (FHA|USDA|VA) 3 $525,000 $175,000 $2,729 3.25%
LYNCHBURG, VA (FHA|USDA|VA) 2 $520,000 $260,000 $1,940 2.69%
LANCASTER, PA (FHA|USDA|VA) 2 $510,000 $255,000 $3,418 2.50%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $510,000 $255,000 $10,649 3.31%
EL CENTRO, CA (FHA|USDA|VA) 2 $500,000 $250,000 $3,514 2.50%
GETTYSBURG, PA (FHA|USDA|VA) 2 $500,000 $250,000 $4,046 2.94%
GAINESVILLE, GA (FHA|USDA|VA) 3 $495,000 $165,000 $3,865 3.29%
ASHEVILLE, NC (FHA|USDA|VA) 1 $495,000 $495,000 $3,072 2.63%
PITTSFIELD, MA (FHA|USDA|VA) 2 $490,000 $245,000 $5,549 3.56%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $490,000 $245,000 $8,575 2.75%
REDDING, CA (FHA|USDA|VA) 2 $490,000 $245,000 $2,775 2.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $490,000 $245,000 $1,460 3.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $490,000 $245,000 $3,625 2.94%
SYRACUSE, NY (FHA|USDA|VA) 2 $480,000 $240,000 $2,089 2.56%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $470,000 $235,000 $4,714 2.88%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $460,000 $230,000 $4,392 2.75%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $455,000 $455,000 $5,395 3.38%
THE VILLAGES, FL (FHA|USDA|VA) 2 $450,000 $225,000 $3,609 2.63%
CLEVELAND, TN (FHA|USDA|VA) 1 $435,000 $435,000 $2,290 2.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $420,000 $210,000 $6,437 3.44%
Port Angeles, WA (FHA|USDA|VA) 2 $420,000 $210,000 $4,828 3.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $415,000 $138,333 $5,993 3.21%
Show Low, AZ (FHA|USDA|VA) 2 $410,000 $205,000 $9,945 2.81%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $405,000 $135,000 $3,524 3.21%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $405,000 $405,000 $3,630 3.13%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $405,000 $405,000 $5,594 3.38%
Susanville, CA (FHA|USDA|VA) 1 $395,000 $395,000 $1,210 2.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $395,000 $395,000 $6,217 3.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $390,000 $195,000 $9,635 3.50%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $385,000 $385,000 $11,969 2.75%
Astoria, OR (FHA|USDA|VA) 1 $385,000 $385,000 $12,800 3.38%
ROANOKE, VA (FHA|USDA|VA) 1 $375,000 $375,000 $1,145 2.75%
SAVANNAH, GA (FHA|USDA|VA) 2 $370,000 $185,000 $6,201 3.13%
Sandpoint, ID (FHA|USDA|VA) 2 $370,000 $185,000 $2,956 3.06%
BEND, OR (FHA|USDA|VA) 2 $360,000 $180,000 $2,856 3.31%
NILES, MI (FHA|USDA|VA) 2 $360,000 $180,000 $2,144 2.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $360,000 $180,000 $3,959 2.56%
Hilo, HI (FHA|USDA|VA) 1 $355,000 $355,000 $5,533 3.13%
MIDLAND, TX (FHA|USDA|VA) 1 $355,000 $355,000 $11,332 3.00%
TYLER, TX (FHA|USDA|VA) 2 $350,000 $175,000 $5,819 3.06%
TOLEDO, OH (FHA|USDA|VA) 2 $350,000 $175,000 $5,086 3.56%
DALTON, GA (FHA|USDA|VA) 2 $340,000 $170,000 $2,305 2.50%
NEW BERN, NC (FHA|USDA|VA) 1 $335,000 $335,000 $2,276 3.25%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $335,000 $335,000 $2,306 2.63%
Cedar City, UT (FHA|USDA|VA) 1 $335,000 $335,000 $1,729 2.88%
Branson, MO (FHA|USDA|VA) 1 $335,000 $335,000 $2,525 2.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $330,000 $165,000 $3,237 2.50%
Crossville, TN (FHA|USDA|VA) 1 $325,000 $325,000 $2,593 3.50%
EL PASO, TX (FHA|USDA|VA) 2 $320,000 $160,000 $3,532 2.88%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $320,000 $160,000 $5,793 3.00%
Woodward, OK (FHA|USDA|VA) 1 $315,000 $315,000 $4,524 3.88%
Centralia, WA (FHA|USDA|VA) 1 $315,000 $315,000 $1,728 2.63%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $315,000 $315,000 $1,560 2.38%
FLINT, MI (FHA|USDA|VA) 2 $310,000 $155,000 $6,542 2.75%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $305,000 $305,000 $6,865 3.63%
St. Marys, GA (FHA|USDA|VA) 1 $305,000 $305,000 $2,170 2.75%
Sonora, CA (FHA|USDA|VA) 1 $305,000 $305,000 $2,492 2.63%
Paris, TN (FHA|USDA|VA) 1 $295,000 $295,000 $3,105 3.25%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $290,000 $145,000 $2,224 3.56%
BELLINGHAM, WA (FHA|USDA|VA) 1 $285,000 $285,000 $3,761 2.88%
DULUTH, MN-WI (FHA|USDA|VA) 2 $280,000 $140,000 $6,022 3.44%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $275,000 $275,000 $5,690 2.88%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $275,000 $275,000 $1,835 2.63%
HAMMOND, LA (FHA|USDA|VA) 1 $275,000 $275,000 $15,943 3.50%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $270,000 $135,000 $2,746 2.94%
Milledgeville, GA (FHA|USDA|VA) 1 $265,000 $265,000 $1,390 2.63%
CaƱon City, CO (FHA|USDA|VA) 1 $265,000 $265,000 $1,560 2.75%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $265,000 $265,000 $5,507 4.13%
Pahrump, NV (FHA|USDA|VA) 1 $265,000 $265,000 $11,382 3.00%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $265,000 $265,000 $1,418 3.00%
Concord, NH (FHA|USDA|VA) 1 $255,000 $255,000 $1,405 2.50%
ERIE, PA (FHA|USDA|VA) 1 $255,000 $255,000 $3,044 2.13%
ST. CLOUD, MN (FHA|USDA|VA) 1 $255,000 $255,000 $3,420 3.13%
CORVALLIS, OR (FHA|USDA|VA) 1 $255,000 $255,000 $2,862 2.63%
Andrews, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,227 3.25%
Klamath Falls, OR (FHA|USDA|VA) 2 $240,000 $120,000 $3,416 2.94%
FORT WAYNE, IN (FHA|USDA|VA) 1 $235,000 $235,000 $4,963 2.75%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $230,000 $115,000 $5,059 3.13%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $2,417 2.63%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $215,000 $215,000 $1,580 3.13%
Huntsville, TX (FHA|USDA|VA) 1 $215,000 $215,000 $2,522 2.75%
YUMA, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $4,049 3.00%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $215,000 $215,000 $7,324 3.38%
Ruidoso, NM (FHA|USDA|VA) 1 $215,000 $215,000 $6,904 3.13%
Lewisburg, TN (FHA|USDA|VA) 1 $205,000 $205,000 $1,410 3.25%
Findlay, OH (FHA|USDA|VA) 1 $205,000 $205,000 $5,683 2.75%
Georgetown, SC (FHA|USDA|VA) 1 $205,000 $205,000 $2,266 3.00%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $1,910 2.38%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $205,000 $205,000 $5,224 3.63%
Greeneville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $2,170 2.88%
Beeville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,907 3.38%
AMARILLO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $5,446 3.13%
Durango, CO (FHA|USDA|VA) 1 $195,000 $195,000 $3,080 2.88%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $195,000 $195,000 $3,280 3.88%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $195,000 $195,000 $6,483 3.25%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $185,000 $185,000 $2,905 3.00%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $185,000 $185,000 $6,482 2.88%
Zanesville, OH (FHA|USDA|VA) 1 $175,000 $175,000 $4,774 3.25%
PEORIA, IL (FHA|USDA|VA) 1 $175,000 $175,000 $5,257 2.25%
GADSDEN, AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,767 3.25%
Kerrville, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,355 3.25%
Shelby, NC (FHA|USDA|VA) 1 $165,000 $165,000 $8,173 3.25%
LAS CRUCES, NM (FHA|USDA|VA) 1 $155,000 $155,000 $3,303 2.88%
Coshocton, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,660 2.88%
ROCHESTER, MN (FHA|USDA|VA) 1 $155,000 $155,000 $3,465 3.88%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,280 2.88%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $155,000 $155,000 $6,328 3.63%
Elizabeth City, NC (FHA|USDA|VA) 1 $155,000 $155,000 $6,778 3.13%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $155,000 $155,000 $3,982 3.63%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $155,000 $155,000 $3,181 2.63%
Rochelle, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,885 3.00%
Newberry, SC (FHA|USDA|VA) 1 $145,000 $145,000 $2,045 2.63%
Cedartown, GA (FHA|USDA|VA) 1 $145,000 $145,000 $2,075 3.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $145,000 $145,000 $1,786 2.50%
Cullman, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,051 3.38%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $125,000 $125,000 $3,581 2.88%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $125,000 $125,000 $2,886 2.88%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $125,000 $125,000 $4,458 2.75%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $125,000 $125,000 $3,040 2.75%
Paris, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,624 3.50%
Okeechobee, FL (FHA|USDA|VA) 1 $115,000 $115,000 $7,341 3.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $115,000 $115,000 $3,449 2.63%
LAWTON, OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,920 2.88%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,993 2.50%
Winfield, KS (FHA|USDA|VA) 1 $105,000 $105,000 $7,141 3.63%
Ukiah, CA (FHA|USDA|VA) 1 $105,000 $105,000 $3,721 2.13%
Somerset, KY (FHA|USDA|VA) 1 $95,000 $95,000 $2,883 2.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $95,000 $95,000 $3,237 3.50%
Grand Rapids, MN (FHA|USDA|VA) 1 $85,000 $85,000 $5,349 1.88%
Cornelia, GA (FHA|USDA|VA) 1 $85,000 $85,000 $3,541 3.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $85,000 $85,000 $4,609 2.25%
ABILENE, TX (FHA|USDA|VA) 1 $85,000 $85,000 $5,310 2.63%
Silver City, NM (FHA|USDA|VA) 1 $85,000 $85,000 $3,823 2.88%
Coldwater, MI (FHA|USDA|VA) 1 $75,000 $75,000 $3,597 2.38%

Lenox Financial Mortgage Corporation's top markets include Los Angeles, Riverside, San Francisco, Phoenix, and San Jose among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 3,685 $1,216,555,000 $330,137 $3,529 2.85%
VA 102 $35,750,000 $350,490 $6,314 2.67%
FHA 59 $18,675,000 $316,525 $9,887 2.85%
USDA 1 $195,000 $195,000 $3,768 2.88%

For the 2021 period, Lenox Financial Mortgage Corporation's most frequently originated loan type of loans were Conventional, with 3,685 originations. Their 2nd most popular type is VA, with 102 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 2,006 $661,430,000 $329,726 $2,893 2.72%
Cash Out Refi 1,644 $521,030,000 $316,928 $4,200 2.97%
Home Purchase 197 $88,715,000 $450,330 $7,759 3.11%

For the 2021, Lenox Financial Mortgage Corporation's most frequently cited loan purpose of loans were Refi, with 2,006 originations. The 2nd most popular reason of loans were Cash Out Refi, with 1,644 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,770 $956,740,000 $345,394 $4,053 2.99%
15 Year 887 $254,015,000 $286,375 $2,710 2.39%
Other 86 $28,470,000 $331,047 $2,901 2.90%
20 Year 77 $21,345,000 $277,208 $3,118 2.91%
10 Year 22 $5,160,000 $234,545 $3,155 2.58%
30+ year 5 $5,445,000 $1,089,000 $8,856 4.20%

For the 2021, Lenox Financial Mortgage Corporation's most frequently cited loan length of loans were 30 Year, with 2,770 originations. The 2nd most popular length of loans were 15 Year, with 887 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,829 $609,955,000 $333,491
$1k-2k 1,109 $357,845,000 $322,674
$3k-4k 316 $94,290,000 $298,386
$5k+ 297 $130,905,000 $440,758
$2k-3k 295 $77,925,000 $264,153

$4,053 of loans were Lenox Financial Mortgage Corporation's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,829 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 1,865 $623,855,000 $334,507
3-4% 1,056 $339,290,000 $321,297
<2.5% 907 $293,505,000 $323,600
4-5% 18 $14,210,000 $789,444
5-6% 1 $315,000 $315,000

During 2021, Lenox Financial Mortgage Corporation's average interest rate of loans were 2.99%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,865 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 2,182 $636,010,000 $291,480 $3,191 2.81%
$400k-600k 860 $412,650,000 $479,826 $4,153 2.81%
$100k-200k 601 $95,215,000 $158,428 $3,838 2.97%
$600k-1MM 128 $93,730,000 $732,266 $6,225 3.05%
$100,000 or less 58 $4,920,000 $84,828 $3,717 2.87%
$1MM+ 18 $28,650,000 $1,591,667 $21,247 3.64%

2021 saw Lenox Financial Mortgage Corporation place emphasis on $200k-400k loans with 2,182 originations, totaling $636,010,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 1,132 $378,570,000 $334,426 $3,387 2.82%
$150k-250k 840 $333,980,000 $397,595 $3,691 2.78%
$75k-100k 724 $212,000,000 $292,818 $3,734 2.89%
$50k-75k 619 $152,515,000 $246,389 $3,673 2.95%
$250k+ 274 $140,150,000 $511,496 $4,824 2.78%
$50k or less 258 $53,960,000 $209,147 $3,890 2.91%

Lenox Financial Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 1,132 originations. The second most popular income band? $150k-250k, with 840 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 787 $251,055,000 $319,003 $3,213 2.79%
30-36% 652 $218,440,000 $335,031 $3,760 2.86%
<20% 279 $78,495,000 $281,344 $2,942 2.74%
44% 141 $45,835,000 $325,071 $3,988 2.95%
43% 130 $47,900,000 $368,462 $4,593 3.03%
42% 128 $42,980,000 $335,781 $3,910 2.97%
38% 119 $40,255,000 $338,277 $4,058 2.93%
41% 118 $39,070,000 $331,102 $4,182 2.95%
39% 117 $41,445,000 $354,231 $4,234 2.89%
40% 113 $38,095,000 $337,124 $3,955 2.93%
37% 111 $38,085,000 $343,108 $3,681 2.90%
49% 105 $37,115,000 $353,476 $4,139 2.89%
46% 101 $35,315,000 $349,653 $4,013 2.87%
45% 98 $34,890,000 $356,020 $4,158 3.02%
36% 96 $32,020,000 $333,542 $4,265 2.86%
48% 84 $28,760,000 $342,381 $4,541 2.91%
47% 81 $26,165,000 $323,025 $3,723 2.88%
50-60% 46 $15,750,000 $342,391 $6,197 2.91%
>60% 2 $640,000 $320,000 $4,227 2.56%

Lenox Financial Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 787 originations. The next most common DTI ratio? 30-36%, with 652 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,341 $759,055,000 $324,244 $3,817 2.87%
Not provided 1,058 $336,480,000 $318,034 $3,442 2.84%
Asian 345 $141,515,000 $410,188 $3,182 2.73%
Black 85 $26,645,000 $313,471 $5,521 3.03%
American Indian 14 $5,510,000 $393,571 $4,851 2.75%
Native Hawaiian 4 $1,970,000 $492,500 $5,917 2.91%

Approval Rates

Total approvals of all applications
94.65%

Lenox Financial Mortgage Corporation has an average approval rate.

Pick Rate

Approvals leading to origination
-32.15%

Lenox Financial Mortgage Corporation 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
NA 3,847 $1,271,175,000 $330,433

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
3,847 $1,271,175,000 $330,433

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 485 $137,335,000 $283,165 $2,836 2.66%
40-60% 1,332 $448,970,000 $337,065 $2,835 2.77%
60-80% 1,200 $411,360,000 $342,800 $4,524 3.01%
80-100% 283 $98,665,000 $348,640 $6,521 3.02%
Under 20% 53 $12,655,000 $238,774 $3,101 2.67%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Lenox Financial Mortgage Corporation Conventional home mortgage Improper use of your report 1 25.0%
Lenox Financial Mortgage Corporation Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 75.0%