Lenox Financial Mortgage Corporation Rates, Fees & Info
SANTA ANA, CALEI: 549300LROQOOQU77WS20
Tax ID: 95-4762204
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Mortgage Data
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, San Jose, and Phoenix among others. We have data for 246 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 a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 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
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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
3,971Origination Dollar Volume (All Markets)
$1,281,445,000Awards
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LENOX FINANCIAL MORTGAGE CORPORATION - 2020
LENOX FINANCIAL MORTGAGE CORPORATION is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 733 | $293,995,000 | $401,085 | $3,314 | 2.94% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 340 | $108,320,000 | $318,588 | $3,468 | 2.99% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 195 | $85,145,000 | $436,641 | $3,349 | 2.91% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 158 | $72,030,000 | $455,886 | $3,008 | 2.79% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 266 | $66,670,000 | $250,639 | $2,992 | 3.21% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 162 | $58,120,000 | $358,765 | $3,152 | 2.93% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 147 | $47,115,000 | $320,510 | $2,627 | 3.02% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 101 | $36,125,000 | $357,673 | $2,866 | 2.97% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 96 | $34,720,000 | $361,667 | $7,154 | 3.12% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 76 | $30,430,000 | $400,395 | $3,300 | 2.90% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 81 | $25,635,000 | $316,481 | $3,798 | 3.31% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 95 | $24,765,000 | $260,684 | $3,308 | 3.14% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 79 | $24,755,000 | $313,354 | $3,564 | 3.19% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 81 | $22,565,000 | $278,580 | $4,254 | 3.15% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 54 | $18,540,000 | $343,333 | $2,889 | 3.07% |
| Outside of Metro Areas | 68 | $18,070,000 | $265,735 | $5,056 | 3.18% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 55 | $16,945,000 | $308,091 | $3,194 | 3.07% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 44 | $11,760,000 | $267,273 | $3,122 | 3.13% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 39 | $9,425,000 | $241,667 | $6,220 | 3.23% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 38 | $9,410,000 | $247,632 | $4,880 | 3.25% |
| FRESNO, CA (FHA|USDA|VA) | 39 | $9,395,000 | $240,897 | $2,322 | 3.13% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 42 | $9,300,000 | $221,429 | $3,336 | 3.35% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 35 | $9,195,000 | $262,714 | $3,578 | 3.02% |
| PROVO-OREM, UT (FHA|USDA|VA) | 35 | $9,065,000 | $259,000 | $3,184 | 3.15% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 31 | $8,065,000 | $260,161 | $6,924 | 3.39% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 32 | $7,860,000 | $245,625 | $2,850 | 2.97% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 34 | $7,500,000 | $220,588 | $4,692 | 3.45% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 28 | $6,610,000 | $236,071 | $4,190 | 2.93% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 22 | $6,450,000 | $293,182 | $3,814 | 3.16% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 19 | $5,755,000 | $302,895 | $2,784 | 3.09% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 23 | $5,725,000 | $248,913 | $4,293 | 3.09% |
| VALLEJO, CA (FHA|USDA|VA) | 21 | $5,555,000 | $264,524 | $4,106 | 2.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 19 | $5,075,000 | $267,105 | $2,256 | 3.00% |
| STOCKTON, CA (FHA|USDA|VA) | 18 | $5,020,000 | $278,889 | $2,975 | 3.14% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 22 | $4,770,000 | $216,818 | $4,129 | 3.30% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 16 | $4,420,000 | $276,250 | $4,142 | 3.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 11 | $3,975,000 | $361,364 | $2,932 | 3.27% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 16 | $3,940,000 | $246,250 | $4,099 | 3.46% |
| RICHMOND, VA (FHA|USDA|VA) | 16 | $3,680,000 | $230,000 | $2,439 | 3.26% |
| COLUMBUS, OH (FHA|USDA|VA) | 17 | $3,345,000 | $196,765 | $3,985 | 3.04% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 14 | $3,250,000 | $232,143 | $5,223 | 3.37% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $3,215,000 | $459,286 | $3,424 | 2.93% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 8 | $3,150,000 | $393,750 | $4,189 | 3.23% |
| VISALIA, CA (FHA|USDA|VA) | 12 | $3,030,000 | $252,500 | $3,814 | 3.23% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 7 | $2,845,000 | $406,429 | $2,052 | 3.29% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 8 | $2,570,000 | $321,250 | $5,955 | 3.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 8 | $2,540,000 | $317,500 | $1,772 | 2.94% |
| CORVALLIS, OR (FHA|USDA|VA) | 8 | $2,500,000 | $312,500 | $3,713 | 3.05% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 8 | $2,470,000 | $308,750 | $4,327 | 3.17% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 9 | $2,465,000 | $273,889 | $6,073 | 3.14% |
| BOISE CITY, ID (FHA|USDA|VA) | 8 | $2,460,000 | $307,500 | $2,889 | 3.28% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 7 | $2,375,000 | $339,286 | $4,127 | 3.43% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 10 | $2,290,000 | $229,000 | $3,469 | 3.15% |
| YUBA CITY, CA (FHA|USDA|VA) | 9 | $2,225,000 | $247,222 | $2,237 | 3.13% |
| GREELEY, CO (FHA|USDA|VA) | 8 | $2,150,000 | $268,750 | $1,922 | 3.17% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 12 | $2,130,000 | $177,500 | $5,253 | 3.27% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 6 | $1,940,000 | $323,333 | $2,969 | 3.19% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $3,333 | 2.95% |
| SALEM, OR (FHA|USDA|VA) | 7 | $1,745,000 | $249,286 | $5,461 | 3.14% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 11 | $1,715,000 | $155,909 | $5,029 | 3.16% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $1,710,000 | $213,750 | $2,933 | 3.28% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $1,695,000 | $242,143 | $2,794 | 3.32% |
| COLUMBIA, SC (FHA|USDA|VA) | 9 | $1,645,000 | $182,778 | $2,694 | 3.08% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $2,443 | 3.15% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $1,485,000 | $1,485,000 | $25,502 | 4.50% |
| BOULDER, CO (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $2,356 | 3.28% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $4,948 | 3.15% |
| Heber, UT (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $2,680 | 3.12% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $2,827 | 3.08% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $4,608 | 3.04% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $4,813 | 3.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $2,687 | 3.30% |
| Outside of Metro Areas | 4 | $1,250,000 | $312,500 | $2,805 | 3.53% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $3,499 | 3.54% |
| MADERA, CA (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $2,920 | 2.88% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $3,204 | 3.35% |
| ST. GEORGE, UT (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $2,693 | 3.09% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $3,067 | 3.21% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $2,975 | 3.17% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $3,772 | 3.03% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $4,151 | 2.90% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $4,283 | 3.38% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $1,748 | 2.81% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $2,754 | 3.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $4,653 | 2.95% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $5,051 | 3.18% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $3,295 | 3.27% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $4,196 | 2.85% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $5,123 | 3.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $6,886 | 3.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $1,854 | 2.94% |
| BEND, OR (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $7,300 | 3.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $1,810 | 2.79% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $3,859 | 3.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $2,585 | 2.97% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $3,045 | 3.38% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $3,367 | 2.84% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $5,193 | 3.41% |
| Payson, AZ (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,063 | 3.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $5,816 | 3.15% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $3,692 | 3.72% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $4,967 | 3.21% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $3,844 | 3.53% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,662 | 3.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $2,471 | 3.42% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $6,377 | 2.92% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,721 | 3.31% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,440 | 3.58% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $3,657 | 3.31% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,553 | 3.13% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $4,926 | 3.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $2,832 | 2.79% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $4,376 | 2.81% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,939 | 3.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,583 | 2.88% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,783 | 3.06% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,286 | 3.44% |
| CHICO, CA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,364 | 2.94% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $5,529 | 2.50% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,053 | 3.31% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $1,679 | 3.19% |
| NAPA, CA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,550 | 2.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,823 | 3.08% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,156 | 3.68% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $1,943 | 2.94% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,154 | 2.81% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,616 | 3.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,603 | 3.81% |
| RENO, NV (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,235 | 2.88% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,032 | 3.21% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,077 | 3.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,628 | 3.00% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,705 | 3.63% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $1,660 | 3.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,954 | 3.69% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,083 | 3.50% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,604 | 3.19% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,314 | 3.13% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,535 | 3.50% |
| Bradford, PA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,420 | 2.81% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,022 | 2.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,774 | 3.25% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,958 | 2.88% |
| Edwards, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $1,645 | 2.63% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,757 | 3.25% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,332 | 3.75% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,401 | 2.94% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,408 | 3.13% |
| Concord, NH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,508 | 4.13% |
| Easton, MD (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,128 | 2.63% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,737 | 3.13% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,580 | 2.25% |
| FLINT, MI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,390 | 2.50% |
| Key West, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,124 | 3.00% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,585 | 2.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,543 | 3.00% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,875 | 3.75% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,309 | 3.38% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,659 | 2.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,708 | 3.13% |
| Branson, MO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,350 | 3.50% |
| Seneca, SC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,378 | 2.63% |
| Durango, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,560 | 2.63% |
| Newberry, SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,160 | 2.99% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,296 | 3.13% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,349 | 3.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,265 | 3.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,553 | 3.50% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,435 | 3.13% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,209 | 2.75% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,714 | 3.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,640 | 3.13% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,148 | 3.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,675 | 3.38% |
| READING, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,898 | 2.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,610 | 3.38% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,960 | 3.00% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,470 | 3.99% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,370 | 3.38% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,075 | 3.38% |
| Malone, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,735 | 3.00% |
| Laconia, NH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,110 | 3.38% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,086 | 3.88% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,535 | 4.00% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,146 | 3.63% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,443 | 2.63% |
| Farmington, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,467 | 3.00% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,820 | 3.50% |
| WACO, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,095 | 3.56% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,380 | 3.13% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,350 | 3.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,799 | 3.00% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,450 | 3.13% |
| Shelton, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,438 | 3.50% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,280 | 2.25% |
| Montrose, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,503 | 2.50% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,649 | 3.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,019 | 2.75% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,414 | 3.25% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,285 | 2.38% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,365 | 3.50% |
| Crossville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,370 | 2.75% |
| Astoria, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,341 | 2.75% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,545 | 3.63% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,700 | 3.13% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,677 | 2.63% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,970 | 2.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,895 | 3.63% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,974 | 3.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,290 | 4.00% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,350 | 2.88% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,921 | 3.13% |
| MONROE, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,270 | 3.25% |
| NILES, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,046 | 3.13% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,549 | 4.13% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,521 | 3.13% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,082 | 2.75% |
| Taos, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,145 | 3.38% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,725 | 3.25% |
| London, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,966 | 3.00% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,279 | 2.50% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,225 | 2.38% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,354 | 3.63% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,117 | 3.00% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,776 | 3.13% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,932 | 3.63% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,536 | 2.25% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,636 | 2.50% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,090 | 2.88% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,540 | 4.00% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,396 | 4.13% |
| DuBois, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,879 | 3.99% |
| OCALA, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,691 | 3.38% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,988 | 3.63% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,809 | 2.38% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,576 | 3.25% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,073 | 3.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,353 | 3.38% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,034 | 3.38% |
| Helena-West Helena, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,638 | 3.38% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,690 | 3.13% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,405 | 3.75% |
| Cullman, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,533 | 3.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,403 | 3.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,291 | 3.38% |
| DALTON, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,297 | 3.25% |
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Product Mix
For 2020, Lenox Financial Mortgage Corporation's most frequently originated type of loan was Conventional, with 3,694 originations. Their 2nd most popular type was VA, with 168 originations.
Loan Reason
For 2020, Lenox Financial Mortgage Corporation's most frequently cited loan purpose was Refi, with 2,610 originations. The 2nd most popular reason was Cash Out Refi, with 1,188 originations.
Loan Duration/Length
For 2020, Lenox Financial Mortgage Corporation's most frequently cited loan duration was 30 Year, with 3,039 originations. The 2nd most popular length was 15 Year, with 684 originations.
Origination Fees/Closing Costs
Lenox Financial Mortgage Corporation's average total fees were $3,747, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,799 originations.
Interest Rates
During 2020, Lenox Financial Mortgage Corporation's average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was 3-4%, with 1,653 originations.
Loan Sizing
2020 saw Lenox Financial Mortgage Corporation place emphasis on $200k-400k loans with 2,199 originations, totaling $645,995,000 in origination value.
Applicant Income
Lenox Financial Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 1,139 originations. The second most popular income band? $150k-250k, with 844 originations.
Applicant Debt to Income Ratio
Lenox Financial Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 865 originations. The next most common DTI ratio? 30-36%, with 658 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.51%
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-76.58%
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 | 3,971 | $1,281,445,000 | $322,701 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 11 | $1,785,000 | $162,273 |
| Single Family (1-4 Units):Site-Built | 3,960 | $1,279,660,000 | $323,146 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Lenox Financial Mortgage Corporation | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 100.0% |