Lenox Financial Mortgage Corporation Rates, Fees & Info

SANTA ANA, CA

LEI: 549300LROQOOQU77WS20

Tax ID: 95-4762204

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

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  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Lenox Financial Mortgage Corporation is a smaller mortgage company specializing in Cash Out Refi and Refi loans. Lenox Financial Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA 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, Phoenix, Riverside, Boston, and Washington among others. We have data for 177 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 6.77% 11/17/24
    30 Year Conventional Refi 6.54% 11/17/24
    30 Year Cash-out Refi 6.75% 11/17/24
    30 Year FHA Purchase 7.33% 11/17/24
    30 Year FHA Refi 7.13% 11/17/24
    30 Year VA Purchase 6.39% 11/17/24
    30 Year VA Refi 6.27% 11/17/24
    15 Year Conventional Purchase 6.61% 11/17/24
    15 Year Conventional Refi 6.08% 11/17/24
    15 Year Cash-out Refi 6.08% 11/17/24
    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.

    Lenox Financial Mortgage Corporation Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Lenox Financial Mortgage Corporation. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

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


    Originations

    1,077

    Origination Dollar Volume (All Markets)

    $312,855,000
    Show all (6) 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
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 84 $40,230,000 $478,929 $5,036 4.08%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 156 $36,330,000 $232,885 $4,396 4.20%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 54 $16,350,000 $302,778 $4,611 4.15%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 46 $15,040,000 $326,957 $4,928 4.17%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 31 $12,255,000 $395,323 $5,441 4.37%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 49 $11,985,000 $244,592 $4,786 4.21%
    URBAN HONOLULU, HI (FHA|USDA|VA) 15 $8,815,000 $587,667 $13,627 4.13%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 35 $8,075,000 $230,714 $4,279 4.15%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 20 $7,570,000 $378,500 $9,272 4.26%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 27 $6,795,000 $251,667 $7,199 4.36%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 22 $6,640,000 $301,818 $3,435 4.29%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 23 $6,245,000 $271,522 $5,128 4.09%
    Outside of Metro Areas 27 $6,075,000 $225,000 $4,562 4.36%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 14 $5,370,000 $383,571 $7,102 4.10%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 12 $5,240,000 $436,667 $2,605 4.11%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 15 $4,975,000 $331,667 $7,016 4.39%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 11 $4,755,000 $432,273 $4,801 4.08%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 16 $4,440,000 $277,500 $5,309 4.77%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 17 $4,405,000 $259,118 $4,513 4.40%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 14 $4,380,000 $312,857 $2,647 3.99%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 10 $4,310,000 $431,000 $3,741 4.17%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 14 $4,190,000 $299,286 $3,818 4.12%
    SALT LAKE CITY, UT (FHA|USDA|VA) 16 $4,010,000 $250,625 $4,333 4.51%
    FRESNO, CA (FHA|USDA|VA) 15 $3,815,000 $254,333 $4,831 4.06%
    STOCKTON, CA (FHA|USDA|VA) 10 $3,130,000 $313,000 $8,949 3.68%
    PROVO-OREM, UT (FHA|USDA|VA) 8 $2,510,000 $313,750 $3,131 4.22%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 8 $2,370,000 $296,250 $4,054 4.23%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 12 $2,330,000 $194,167 $4,021 4.43%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 9 $2,285,000 $253,889 $2,613 4.36%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 8 $2,080,000 $260,000 $6,776 4.41%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 7 $1,845,000 $263,571 $3,149 4.02%
    SALEM, OR (FHA|USDA|VA) 8 $1,830,000 $228,750 $5,698 4.12%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 6 $1,820,000 $303,333 $4,216 4.15%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $1,575,000 $225,000 $3,511 4.27%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,475,000 $210,714 $8,795 4.20%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $1,425,000 $285,000 $5,868 3.80%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,265,000 $421,667 $2,303 4.21%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $1,245,000 $249,000 $5,421 4.52%
    RICHMOND, VA (FHA|USDA|VA) 4 $1,220,000 $305,000 $3,306 3.75%
    WORCESTER, MA-CT (FHA|USDA|VA) 3 $1,125,000 $375,000 $3,155 4.88%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,125,000 $225,000 $5,980 4.15%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $1,090,000 $272,500 $3,662 4.19%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,090,000 $272,500 $4,694 3.84%
    MODESTO, CA (FHA|USDA|VA) 3 $895,000 $298,333 $4,827 4.42%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $885,000 $295,000 $6,339 4.04%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $870,000 $217,500 $9,006 3.78%
    TUCSON, AZ (FHA|USDA|VA) 3 $865,000 $288,333 $8,597 4.58%
    MADERA, CA (FHA|USDA|VA) 4 $840,000 $210,000 $3,149 4.06%
    BILLINGS, MT (FHA|USDA|VA) 6 $830,000 $138,333 $0 4.51%
    COLUMBUS, OH (FHA|USDA|VA) 5 $825,000 $165,000 $3,034 3.93%
    VISALIA, CA (FHA|USDA|VA) 4 $820,000 $205,000 $2,944 4.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $815,000 $271,667 $4,281 3.88%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $800,000 $400,000 $2,332 4.50%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $800,000 $200,000 $2,746 4.00%
    BAKERSFIELD, CA (FHA|USDA|VA) 4 $800,000 $200,000 $3,936 4.03%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $785,000 $785,000 $5,474 4.50%
    GREELEY, CO (FHA|USDA|VA) 2 $740,000 $370,000 $9,639 3.94%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $705,000 $705,000 $2,094 4.63%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $690,000 $345,000 $7,748 3.69%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $655,000 $218,333 $3,338 4.71%
    Kapaa, HI (FHA|USDA|VA) 1 $655,000 $655,000 $12,452 5.25%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $640,000 $320,000 $6,350 6.69%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $600,000 $300,000 $5,024 4.50%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $600,000 $300,000 $6,890 4.19%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $595,000 $198,333 $4,917 4.13%
    BOISE CITY, ID (FHA|USDA|VA) 2 $590,000 $295,000 $4,870 4.13%
    Faribault-Northfield, MN (FHA|USDA|VA) 2 $590,000 $295,000 $1,618 3.93%
    MEDFORD, OR (FHA|USDA|VA) 2 $590,000 $295,000 $3,197 3.93%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $555,000 $185,000 $4,561 3.83%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $545,000 $181,667 $5,430 4.13%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $540,000 $270,000 $4,326 3.81%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $520,000 $260,000 $8,394 3.56%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $520,000 $260,000 $6,254 4.25%
    COLUMBIA, SC (FHA|USDA|VA) 3 $505,000 $168,333 $4,348 4.29%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $500,000 $250,000 $8,434 3.75%
    MIDLAND, TX (FHA|USDA|VA) 2 $490,000 $245,000 $2,332 3.69%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $485,000 $485,000 $4,726 4.38%
    MERCED, CA (FHA|USDA|VA) 2 $480,000 $240,000 $2,694 4.25%
    YUBA CITY, CA (FHA|USDA|VA) 2 $460,000 $230,000 $8,076 3.81%
    OCALA, FL (FHA|USDA|VA) 3 $455,000 $151,667 $4,501 3.67%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $455,000 $151,667 $3,025 4.25%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $445,000 $148,333 $5,405 4.04%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $440,000 $220,000 $2,675 4.19%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $435,000 $435,000 $1,265 3.99%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $420,000 $210,000 $5,759 4.19%
    AMARILLO, TX (FHA|USDA|VA) 2 $410,000 $205,000 $4,392 4.25%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $405,000 $405,000 $2,198 3.38%
    JACKSONVILLE, FL (FHA|USDA|VA) 2 $400,000 $200,000 $3,722 3.81%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $385,000 $385,000 $2,401 4.38%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $375,000 $375,000 $4,138 3.38%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $370,000 $185,000 $4,254 4.00%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $365,000 $365,000 $1,853 3.99%
    Alexandria, MN (FHA|USDA|VA) 1 $365,000 $365,000 $7,476 3.88%
    Jacksonville, TX (FHA|USDA|VA) 1 $365,000 $365,000 $7,297 4.13%
    Moscow, ID (FHA|USDA|VA) 1 $365,000 $365,000 $3,481 4.00%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $355,000 $355,000 $1,805 3.75%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $345,000 $345,000 $1,260 4.50%
    Oak Harbor, WA (FHA|USDA|VA) 1 $335,000 $335,000 $5,592 3.63%
    Newberry, SC (FHA|USDA|VA) 1 $335,000 $335,000 $1,160 3.50%
    COLUMBUS, GA-AL (FHA|USDA|VA) 2 $330,000 $165,000 $5,752 4.19%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $330,000 $165,000 $2,721 5.31%
    Aberdeen, WA (FHA|USDA|VA) 2 $330,000 $165,000 $3,468 3.81%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $325,000 $325,000 $8,879 4.13%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $320,000 $160,000 $5,497 4.37%
    Concord, NH (FHA|USDA|VA) 1 $315,000 $315,000 $17,068 4.75%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $305,000 $305,000 $9,643 4.13%
    REDDING, CA (FHA|USDA|VA) 1 $305,000 $305,000 $1,264 4.63%
    VALLEJO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $2,189 3.88%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $305,000 $305,000 $2,624 4.38%
    Jefferson, GA (FHA|USDA|VA) 1 $295,000 $295,000 $6,682 4.13%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $5,498 3.88%
    READING, PA (FHA|USDA|VA) 1 $295,000 $295,000 $7,954 4.50%
    SANTA FE, NM (FHA|USDA|VA) 1 $295,000 $295,000 $13,820 3.63%
    BLOOMINGTON, IN (FHA|USDA|VA) 2 $290,000 $145,000 $3,379 4.81%
    SYRACUSE, NY (FHA|USDA|VA) 1 $285,000 $285,000 $2,658 4.88%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $275,000 $275,000 $3,762 3.25%
    Clearlake, CA (FHA|USDA|VA) 1 $275,000 $275,000 $2,162 4.63%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $270,000 $135,000 $6,232 5.31%
    Calhoun, GA (FHA|USDA|VA) 1 $255,000 $255,000 $2,813 4.63%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $255,000 $255,000 $7,490 4.00%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $255,000 $255,000 $7,879 3.63%
    Bradford, PA (FHA|USDA|VA) 1 $255,000 $255,000 $8,425 3.38%
    SALINAS, CA (FHA|USDA|VA) 1 $255,000 $255,000 $8,202 4.50%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $255,000 $255,000 $1,840 3.75%
    Payson, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $3,036 4.50%
    LANCASTER, PA (FHA|USDA|VA) 1 $245,000 $245,000 $2,305 3.38%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $245,000 $245,000 $3,573 3.88%
    GLENS FALLS, NY (FHA|USDA|VA) 1 $245,000 $245,000 $11,014 4.88%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $245,000 $245,000 $12,679 5.25%
    Port Angeles, WA (FHA|USDA|VA) 1 $235,000 $235,000 $4,690 3.50%
    SAVANNAH, GA (FHA|USDA|VA) 1 $235,000 $235,000 $5,941 4.13%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $225,000 $225,000 $2,050 3.88%
    NAPA, CA (FHA|USDA|VA) 1 $225,000 $225,000 $3,025 4.13%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $215,000 $215,000 $1,299 3.75%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $205,000 $205,000 $4,252 3.88%
    PEORIA, IL (FHA|USDA|VA) 1 $205,000 $205,000 $6,190 3.50%
    Cookeville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $1,845 4.88%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $195,000 $195,000 $5,995 3.38%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,496 4.25%
    St. Marys, GA (FHA|USDA|VA) 2 $190,000 $95,000 $5,219 5.38%
    Fernley, NV (FHA|USDA|VA) 1 $185,000 $185,000 $1,484 4.63%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $185,000 $185,000 $10,366 4.13%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $3,095 4.50%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $175,000 $175,000 $2,845 3.75%
    ODESSA, TX (FHA|USDA|VA) 1 $175,000 $175,000 $7,952 3.75%
    Show Low, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $4,033 3.88%
    Sanford, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,253 3.88%
    Klamath Falls, OR (FHA|USDA|VA) 1 $165,000 $165,000 $1,707 3.88%
    PUEBLO, CO (FHA|USDA|VA) 1 $165,000 $165,000 $4,755 4.63%
    Torrington, CT (FHA|USDA|VA) 1 $155,000 $155,000 $3,106 3.38%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,210 4.00%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $155,000 $155,000 $7,002 4.00%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,976 4.88%
    Outside of Metro Areas 1 $145,000 $145,000 $4,880 4.50%
    Astoria, OR (FHA|USDA|VA) 1 $145,000 $145,000 $4,002 4.13%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $145,000 $145,000 $4,964 3.63%
    Greensburg, IN (FHA|USDA|VA) 1 $145,000 $145,000 $6,915 4.00%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,632 3.63%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $135,000 $135,000 $4,117 5.50%
    ROME, GA (FHA|USDA|VA) 2 $130,000 $65,000 $2,760 4.50%
    Brainerd, MN (FHA|USDA|VA) 1 $125,000 $125,000 $5,744 3.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,671 5.75%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,676 4.88%
    WACO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,441 4.13%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $115,000 $115,000 $4,139 5.25%
    LONGVIEW, WA (FHA|USDA|VA) 1 $115,000 $115,000 $3,288 3.88%
    Bonham, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,816 3.75%
    Martin, TN (FHA|USDA|VA) 1 $115,000 $115,000 $5,601 4.13%
    TOLEDO, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,951 3.88%
    Laconia, NH (FHA|USDA|VA) 1 $115,000 $115,000 $4,547 5.00%
    Stillwater, OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,790 4.00%
    Seneca, SC (FHA|USDA|VA) 1 $105,000 $105,000 $3,405 4.25%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,820 5.38%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $95,000 $95,000 $5,579 4.63%
    Breckenridge, CO (FHA|USDA|VA) 1 $85,000 $85,000 $4,530 3.75%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $75,000 $75,000 $3,659 4.38%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $75,000 $75,000 $3,629 3.75%
    Lenox Financial Mortgage Corporation's top markets include Los Angeles, Phoenix, Riverside, Boston, and Washington among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 817 $238,165,000 $291,512 $3,990 4.24%
    FHA 152 $39,260,000 $258,289 $8,141 4.16%
    VA 99 $33,905,000 $342,475 $8,360 3.97%
    FHA 8 $1,380,000 $172,500 $0 4.50%
    USDA 1 $145,000 $145,000 $6,915 4.00%

    For 2019, Lenox Financial Mortgage Corporation's most frequently originated type of loan was Conventional, with 817 originations. Their 2nd most popular type was FHA, with 152 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 594 $158,900,000 $267,508 $5,496 4.31%
    Refi 364 $114,510,000 $314,588 $3,364 3.99%
    Home Purchase 119 $39,445,000 $331,471 $7,477 4.38%

    For 2019, Lenox Financial Mortgage Corporation's most frequently cited loan purpose was Cash Out Refi, with 594 originations. The 2nd most popular reason was Refi, with 364 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 903 $271,385,000 $300,537 $5,176 4.27%
    15 Year 103 $24,285,000 $235,777 $4,001 3.71%
    20 Year 40 $9,110,000 $227,750 $3,529 4.16%
    Other 22 $6,140,000 $279,091 $4,819 4.09%
    10 Year 9 $1,935,000 $215,000 $4,404 3.58%

    For 2019, Lenox Financial Mortgage Corporation's most frequently cited loan duration was 30 Year, with 903 originations. The 2nd most popular length was 15 Year, with 103 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 430 $125,510,000 $291,884
    $1k-2k 306 $87,030,000 $284,412
    $2k-3k 124 $29,840,000 $240,645
    $5k+ 88 $35,290,000 $401,023
    $3k-4k 79 $20,575,000 $260,443
    $4k-5k 40 $11,280,000 $282,000

    Lenox Financial Mortgage Corporation's average total fees were $5,176, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 430 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 534 $153,650,000 $287,734
    4-5% 435 $129,835,000 $298,471
    5-6% 94 $24,420,000 $259,787
    2.5-3% 6 $1,470,000 $245,000
    6-7% 4 $1,740,000 $435,000
    7-8% 3 $685,000 $228,333
    % 1 $1,055,000 $1,055,000

    During 2019, Lenox Financial Mortgage Corporation's average interest rate for loans was 4.27%, while their most frequently originated rate bucket for loans was 3-4%, with 534 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 567 $160,095,000 $282,354 $4,858 4.18%
    $100k-200k 285 $45,015,000 $157,947 $4,208 4.21%
    $400k-600k 152 $70,970,000 $466,908 $5,692 4.16%
    $600k-1MM 42 $29,190,000 $695,000 $9,463 4.29%
    $100,000 or less 27 $2,255,000 $83,519 $4,014 4.58%
    $1MM+ 4 $5,330,000 $1,332,500 $12,701 4.96%

    2019 saw Lenox Financial Mortgage Corporation place emphasis on $200k-400k loans with 567 originations, totaling $160,095,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 306 $99,560,000 $325,359 $5,039 4.16%
    $75k-100k 236 $61,130,000 $259,025 $5,240 4.15%
    $50k-75k 229 $49,055,000 $214,214 $4,794 4.26%
    $150k-250k 149 $57,905,000 $388,624 $4,951 4.28%
    $50k or less 118 $23,730,000 $201,102 $4,368 4.20%
    $250k+ 39 $21,475,000 $550,641 $6,167 4.33%

    Lenox Financial Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 306 originations. The second most popular income band? $75k-100k, with 236 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 206 $58,770,000 $285,291 $4,605 4.15%
    20-30% 182 $47,540,000 $261,209 $4,012 4.08%
    44% 60 $18,530,000 $308,833 $5,416 4.28%
    50-60% 58 $18,180,000 $313,448 $8,377 4.08%
    37% 49 $13,695,000 $279,490 $4,935 4.29%
    49% 44 $13,810,000 $313,864 $5,596 4.20%
    43% 41 $12,005,000 $292,805 $4,340 4.54%
    40% 40 $11,720,000 $293,000 $5,232 4.37%
    45% 39 $12,165,000 $311,923 $5,301 4.16%
    42% 38 $10,880,000 $286,316 $5,244 4.31%
    41% 38 $12,490,000 $328,684 $6,462 4.22%
    39% 38 $11,110,000 $292,368 $5,318 4.22%
    <20% 37 $8,775,000 $237,162 $3,888 4.08%
    38% 37 $11,495,000 $310,676 $4,091 4.15%
    46% 31 $8,325,000 $268,548 $4,563 4.31%
    48% 30 $9,030,000 $301,000 $6,692 4.32%
    36% 28 $7,800,000 $278,571 $4,499 4.32%
    47% 27 $7,455,000 $276,111 $3,886 4.38%
    >60% 3 $1,145,000 $381,667 $20,034 5.06%

    Lenox Financial Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 206 originations. The next most common DTI ratio? 20-30%, with 182 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 781 $224,855,000 $287,907 $4,956 4.18%
    Not provided 202 $57,060,000 $282,475 $4,390 4.32%
    Black 51 $15,355,000 $301,078 $7,181 4.19%
    Asian 33 $11,485,000 $348,030 $4,353 4.09%
    Native Hawaiian or Islander 6 $3,000,000 $500,000 $12,878 4.10%
    American Indian 4 $1,100,000 $275,000 $5,931 4.31%

    Approval Rates

    Total approvals of all applications
    90.35%

    Lenox Financial Mortgage Corporation has an average approval rate.

    Pick Rate

    Approvals leading to origination
    -92.76%

    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 1,077 $312,855,000 $290,487

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 10 $2,020,000 $202,000
    Single Family (1-4 Units):Site-Built 1,067 $310,835,000 $291,317

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 34 $8,040,000 $236,471 $4,382 3.98%
    40-60% 187 $46,485,000 $248,583 $3,609 4.10%
    60-80% 489 $147,455,000 $301,544 $4,430 4.26%
    80-100% 334 $97,890,000 $293,084 $6,322 4.19%
    Over 100% 13 $5,645,000 $434,231 $13,224 4.38%
    Under 20% 2 $250,000 $125,000 $3,444 4.13%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Lenox Financial Mortgage Corporation Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%