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

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

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Mortgage Data

  • SimulatedRates™
  • Review & 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 by origination volume include: Los Angeles, Riverside, San Francisco, Phoenix, and San Jose among others. We have data for 266 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Lenox Financial Mortgage Corporation 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. Lenox Financial Mortgage Corporation is typically an average 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.96% 12/4/22
    30 Year Conventional Refi 6.61% 12/4/22
    30 Year Cash-out Refi 6.85% 12/4/22
    30 Year FHA Purchase 7.38% 12/4/22
    30 Year FHA Refi 7.19% 12/4/22
    30 Year VA Purchase 6.52% 12/4/22
    30 Year VA Refi 6.16% 12/4/22
    30 Year USDA Purchase 6.58% 12/4/22
    30 Year USDA Refi 7.10% 12/4/22
    15 Year Conventional Purchase 5.82% 12/4/22
    15 Year Conventional Refi 5.85% 12/4/22
    15 Year Cash-out Refi 5.85% 12/4/22
    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.


    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 mortgage rate was 2.99%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.16%.

    Relative Fees (Closing Costs)

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

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    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.

    Their top states include:
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Lenox Financial Mortgage Corporation's most frequently originated type of loan was Conventional, with 3,685 originations. Their 2nd most popular type was VA, with 102 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Lenox Financial Mortgage Corporation's most frequently cited loan purpose was Refi, with 2,006 originations. The 2nd most popular reason was 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 2021, Lenox Financial Mortgage Corporation's most frequently cited loan duration was 30 Year, with 2,770 originations. The 2nd most popular length was 15 Year, with 887 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,829 $609,955,000 $333,491
    $1k-2k 1,109 $357,845,000 $322,674
    $5k+ 297 $130,905,000 $440,758
    $2k-3k 295 $77,925,000 $264,153
    $3k-4k 195 $57,355,000 $294,128
    $4k-5k 121 $36,935,000 $305,248

    Lenox Financial Mortgage Corporation's average total fees were $4,053, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.99%, while their most frequently originated rate bucket for loans was 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 or Islander 4 $1,970,000 $492,500 $5,917 2.91%

    Approval Rates

    Total approvals of all applications
    95.50%

    Lenox Financial Mortgage Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    18.38%

    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%