Moria Development Mortgage Rates, Fees & Info

TEMPE, AZ

LEI: 549300N3JBQ15RQ7AV97

Tax ID: 86-0431588

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

Review & Overview

Moria Development is a small mortgage company specializing in Home Purchase and Refi loans. Moria Development has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Phoenix, Tucson, San Diego, Lincoln, and Omaha among others. We have data for 200 markets. (Some data included below & more in-depth data is available with an active subscription.)

Moria Development 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. Moria Development 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	6.83%	4/22/24
30 Year Conventional Refi	6.88%	4/22/24
30 Year Cash-out Refi	6.77%	4/22/24
30 Year FHA Purchase	7.83%	4/22/24
30 Year FHA Refi	7.44%	4/22/24
30 Year VA Purchase	6.46%	4/22/24
30 Year VA Refi	6.56%	4/22/24
30 Year USDA Purchase	7.06%	4/22/24
15 Year Conventional Purchase	6.65%	4/22/24
15 Year Conventional Refi	6.53%	4/22/24
15 Year Cash-out Refi	6.53%	4/22/24
15 Year FHA Refi	7.22%	4/22/24
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.

Moria Development Mortgage Calculator

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This is not an official calculator from Moria Development. 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

5,138

Origination Dollar Volume (All Markets)

$1,174,240,000

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
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	2,757	$653,355,000	$236,980	$5,774	4.22%
TUCSON, AZ (FHA\|USDA\|VA)	435	$86,355,000	$198,517	$5,598	4.09%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	141	$69,045,000	$489,681	$9,816	3.98%
LINCOLN, NE (FHA\|USDA\|VA)	260	$42,840,000	$164,769	$3,825	3.78%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	247	$39,625,000	$160,425	$3,663	3.84%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	62	$16,900,000	$272,581	$7,265	4.57%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	59	$14,265,000	$241,780	$6,062	4.79%
Show Low, AZ (FHA\|USDA\|VA)	75	$14,245,000	$189,933	$5,392	4.72%
Outside of Metro Areas	86	$13,750,000	$159,884	$5,234	4.44%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	55	$13,715,000	$249,364	$5,390	4.75%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	49	$12,965,000	$264,592	$7,031	4.32%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	22	$12,390,000	$563,182	$9,967	4.21%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	40	$11,440,000	$286,000	$8,540	4.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	43	$9,965,000	$231,744	$5,722	4.57%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	35	$7,555,000	$215,857	$6,495	4.47%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	30	$7,420,000	$247,333	$6,104	4.33%
GRAND ISLAND, NE (FHA\|USDA\|VA)	47	$6,995,000	$148,830	$5,387	4.79%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	12	$6,510,000	$542,500	$9,057	4.13%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	24	$5,750,000	$239,583	$5,991	4.09%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	15	$5,275,000	$351,667	$6,295	4.43%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	14	$4,710,000	$336,429	$5,362	4.71%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	21	$4,645,000	$221,190	$6,604	4.95%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	13	$4,395,000	$338,077	$6,381	4.36%
BAKERSFIELD, CA (FHA\|USDA\|VA)	25	$4,295,000	$171,800	$7,564	3.32%
Payson, AZ (FHA\|USDA\|VA)	18	$3,990,000	$221,667	$5,807	4.13%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	15	$3,725,000	$248,333	$7,022	4.55%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	16	$3,260,000	$203,750	$7,194	4.60%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	13	$2,665,000	$205,000	$5,616	4.43%
PROVO-OREM, UT (FHA\|USDA\|VA)	9	$2,665,000	$296,111	$6,488	4.57%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	12	$2,590,000	$215,833	$8,010	4.58%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	8	$2,580,000	$322,500	$8,264	3.28%
VALLEJO, CA (FHA\|USDA\|VA)	6	$2,430,000	$405,000	$10,549	4.75%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	13	$2,275,000	$175,000	$7,087	3.96%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	8	$2,270,000	$283,750	$6,587	4.70%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	11	$2,185,000	$198,636	$6,725	4.51%
STOCKTON, CA (FHA\|USDA\|VA)	9	$2,155,000	$239,444	$6,220	4.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	8	$1,880,000	$235,000	$7,856	4.52%
NAPA, CA (FHA\|USDA\|VA)	3	$1,875,000	$625,000	$15,566	4.13%
FRESNO, CA (FHA\|USDA\|VA)	7	$1,805,000	$257,857	$6,595	4.84%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	3	$1,805,000	$601,667	$9,916	4.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	19	$1,675,000	$88,158	$4,740	3.91%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	10	$1,570,000	$157,000	$6,092	4.01%
RENO, NV (FHA\|USDA\|VA)	6	$1,560,000	$260,000	$5,359	3.88%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	8	$1,540,000	$192,500	$6,955	4.70%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	17	$1,515,000	$89,118	$5,818	3.41%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	15	$1,505,000	$100,333	$5,844	2.98%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	5	$1,505,000	$301,000	$7,085	4.93%
COLUMBUS, OH (FHA\|USDA\|VA)	14	$1,400,000	$100,000	$5,558	3.03%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	7	$1,325,000	$189,286	$5,926	4.59%
Hastings, NE (FHA\|USDA\|VA)	12	$1,270,000	$105,833	$4,477	4.40%
Price, UT (FHA\|USDA\|VA)	6	$1,090,000	$181,667	$5,587	4.79%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	5	$1,025,000	$205,000	$5,887	4.10%
MODESTO, CA (FHA\|USDA\|VA)	3	$1,015,000	$338,333	$7,366	5.00%
YUMA, AZ (FHA\|USDA\|VA)	5	$1,015,000	$203,000	$6,029	5.13%
Kearney, NE (FHA\|USDA\|VA)	7	$1,015,000	$145,000	$5,893	4.82%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	4	$1,000,000	$250,000	$4,549	4.78%
ASHEVILLE, NC (FHA\|USDA\|VA)	3	$955,000	$318,333	$5,311	4.58%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	4	$900,000	$225,000	$7,441	4.28%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	5	$885,000	$177,000	$7,292	4.80%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	4	$840,000	$210,000	$4,286	5.56%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	6	$820,000	$136,667	$4,663	4.38%
SIERRA VISTA-DOUGLAS, AZ (FHA\|USDA\|VA)	6	$790,000	$131,667	$3,359	4.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	4	$790,000	$197,500	$7,384	5.03%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	4	$790,000	$197,500	$10,136	4.97%
ST. GEORGE, UT (FHA\|USDA\|VA)	3	$785,000	$261,667	$5,974	4.54%
COLUMBIA, SC (FHA\|USDA\|VA)	6	$750,000	$125,000	$5,428	4.00%
Sonora, CA (FHA\|USDA\|VA)	3	$715,000	$238,333	$4,098	4.25%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	4	$710,000	$177,500	$5,493	4.47%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	5	$705,000	$141,000	$3,260	4.68%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	4	$690,000	$172,500	$6,088	4.75%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	2	$680,000	$340,000	$5,355	4.38%
SIOUX FALLS, SD (FHA\|USDA\|VA)	3	$655,000	$218,333	$3,082	4.08%
YUBA CITY, CA (FHA\|USDA\|VA)	2	$640,000	$320,000	$3,468	4.63%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	3	$635,000	$211,667	$6,244	4.21%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	3	$635,000	$211,667	$9,142	4.00%
BEND, OR (FHA\|USDA\|VA)	2	$630,000	$315,000	$5,907	4.69%
SALEM, OR (FHA\|USDA\|VA)	2	$630,000	$315,000	$11,505	5.00%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	2	$630,000	$315,000	$3,410	3.81%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	3	$625,000	$208,333	$6,102	5.33%
AKRON, OH (FHA\|USDA\|VA)	4	$620,000	$155,000	$3,596	3.59%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	4	$550,000	$137,500	$4,944	3.88%
Heber, UT (FHA\|USDA\|VA)	2	$550,000	$275,000	$7,734	4.06%
Safford, AZ (FHA\|USDA\|VA)	5	$535,000	$107,000	$7,647	2.83%
RICHMOND, VA (FHA\|USDA\|VA)	5	$515,000	$103,000	$5,756	3.28%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	2	$510,000	$255,000	$12,007	4.69%
GREELEY, CO (FHA\|USDA\|VA)	3	$505,000	$168,333	$7,877	3.29%
Fremont, NE (FHA\|USDA\|VA)	4	$500,000	$125,000	$3,699	4.78%
Pahrump, NV (FHA\|USDA\|VA)	2	$490,000	$245,000	$7,139	4.19%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	3	$485,000	$161,667	$5,224	4.42%
Beatrice, NE (FHA\|USDA\|VA)	4	$470,000	$117,500	$4,135	4.31%
Nogales, AZ (FHA\|USDA\|VA)	4	$450,000	$112,500	$6,442	3.44%
WICHITA, KS (FHA\|USDA\|VA)	2	$450,000	$225,000	$8,486	4.19%
CHICO, CA (FHA\|USDA\|VA)	1	$425,000	$425,000	$3,590	4.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	2	$420,000	$210,000	$6,854	4.94%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	2	$410,000	$205,000	$7,834	3.88%
TOLEDO, OH (FHA\|USDA\|VA)	6	$400,000	$66,667	$5,241	3.17%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	2	$380,000	$190,000	$5,239	5.13%
SALINAS, CA (FHA\|USDA\|VA)	1	$375,000	$375,000	$7,767	4.00%
Traverse City, MI (FHA\|USDA\|VA)	3	$375,000	$125,000	$4,612	4.96%
PITTSBURGH, PA (FHA\|USDA\|VA)	3	$355,000	$118,333	$3,530	3.13%
OCALA, FL (FHA\|USDA\|VA)	2	$350,000	$175,000	$7,918	5.63%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	2	$350,000	$175,000	$6,788	4.38%
BELLINGHAM, WA (FHA\|USDA\|VA)	1	$345,000	$345,000	$9,420	3.50%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	2	$330,000	$165,000	$5,308	4.06%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	2	$330,000	$165,000	$2,760	4.38%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	1	$325,000	$325,000	$10,943	5.50%
LUBBOCK, TX (FHA\|USDA\|VA)	2	$320,000	$160,000	$6,847	5.38%
Fernley, NV (FHA\|USDA\|VA)	1	$315,000	$315,000	$14,703	5.13%
Ellensburg, WA (FHA\|USDA\|VA)	1	$315,000	$315,000	$6,180	5.38%
Clearlake, CA (FHA\|USDA\|VA)	2	$310,000	$155,000	$16,461	5.31%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	2	$310,000	$155,000	$5,830	4.88%
PUNTA GORDA, FL (FHA\|USDA\|VA)	2	$310,000	$155,000	$6,391	4.06%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	1	$305,000	$305,000	$12,544	4.38%
ODESSA, TX (FHA\|USDA\|VA)	1	$305,000	$305,000	$7,872	5.63%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	1	$305,000	$305,000	$14,785	3.88%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	5.00%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	1	$275,000	$275,000	$9,471	4.13%
SAVANNAH, GA (FHA\|USDA\|VA)	1	$275,000	$275,000	$11,047	5.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	3	$265,000	$88,333	$3,097	5.25%
MERCED, CA (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,655	5.13%
Klamath Falls, OR (FHA\|USDA\|VA)	3	$255,000	$85,000	$3,954	6.17%
YAKIMA, WA (FHA\|USDA\|VA)	1	$255,000	$255,000	$5,230	4.63%
REDDING, CA (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,452	5.13%
NEW BERN, NC (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,756	5.13%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	2	$240,000	$120,000	$6,162	2.81%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	1	$235,000	$235,000	$7,031	4.75%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	1	$225,000	$225,000	$11,907	4.63%
LOUISVILLE, KY (FHA\|USDA\|VA)	3	$225,000	$75,000	$3,789	3.21%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	1	$225,000	$225,000	$9,193	5.63%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,929	4.50%
Vicksburg, MS (FHA\|USDA\|VA)	1	$215,000	$215,000	$8,853	5.50%
Easton, MD (FHA\|USDA\|VA)	1	$215,000	$215,000	$6,222	4.13%
MEDFORD, OR (FHA\|USDA\|VA)	1	$215,000	$215,000	$8,266	4.50%
READING, PA (FHA\|USDA\|VA)	1	$215,000	$215,000	$4,211	5.38%
JACKSONVILLE, FL (FHA\|USDA\|VA)	2	$210,000	$105,000	$5,163	2.81%
Bellefontaine, OH (FHA\|USDA\|VA)	2	$210,000	$105,000	$7,769	2.63%
VISALIA, CA (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,476	4.50%
Lexington, NE (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,878	4.13%
North Platte, NE (FHA\|USDA\|VA)	1	$195,000	$195,000	$4,065	4.25%
JACKSON, MS (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,832	4.13%
VICTORIA, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,583	5.63%
Roseburg, OR (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,869	4.75%
MIDLAND, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,882	6.13%
FARGO, ND-MN (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,335	4.88%
LAS CRUCES, NM (FHA\|USDA\|VA)	1	$185,000	$185,000	$8,663	5.63%
Wooster, OH (FHA\|USDA\|VA)	2	$180,000	$90,000	$5,235	4.13%
Dublin, GA (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,333	4.50%
TYLER, TX (FHA\|USDA\|VA)	1	$175,000	$175,000	$4,066	4.75%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	1	$165,000	$165,000	$4,159	4.38%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	1	$165,000	$165,000	$7,130	4.13%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	1	$165,000	$165,000	$6,561	5.00%
HARRISONBURG, VA (FHA\|USDA\|VA)	2	$160,000	$80,000	$300	5.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$155,000	$155,000	$6,729	4.50%
DALTON, GA (FHA\|USDA\|VA)	1	$155,000	$155,000	$8,730	5.63%
Garden City, KS (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,638	4.38%
JACKSONVILLE, NC (FHA\|USDA\|VA)	1	$155,000	$155,000	$1,135	4.88%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,199	4.38%
Georgetown, SC (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,143	5.88%
CASPER, WY (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,314	4.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,432	3.50%
ABILENE, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,413	4.25%
ROCKFORD, IL (FHA\|USDA\|VA)	1	$145,000	$145,000	$3,743	5.25%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	1	$145,000	$145,000	$6,338	4.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	1	$145,000	$145,000	$7,119	5.50%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1	$135,000	$135,000	$8,091	5.75%
PUEBLO, CO (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,132	5.25%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	1	$135,000	$135,000	$5,943	4.00%
Seneca, SC (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,599	4.63%
Huntsville, TX (FHA\|USDA\|VA)	1	$135,000	$135,000	$7,605	3.88%
Greenwood, SC (FHA\|USDA\|VA)	1	$135,000	$135,000	$5,385	4.63%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	1	$135,000	$135,000	$6,490	5.25%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	2	$130,000	$65,000	$2,726	5.19%
MACON-BIBB COUNTY, GA (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,513	3.88%
Arcadia, FL (FHA\|USDA\|VA)	1	$125,000	$125,000	$5,661	3.75%
Burlington, IA-IL (FHA\|USDA\|VA)	1	$125,000	$125,000	$9,108	3.00%
LYNCHBURG, VA (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,790	4.38%
YORK-HANOVER, PA (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,191	4.63%
PEORIA, IL (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,296	4.63%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,984	4.25%
JACKSON, TN (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,249	4.63%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	1	$105,000	$105,000	$5,125	4.38%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	1	$105,000	$105,000	$4,695	4.88%
Meadville, PA (FHA\|USDA\|VA)	1	$105,000	$105,000	$6,126	4.38%
LAKE CHARLES, LA (FHA\|USDA\|VA)	1	$105,000	$105,000	$3,826	4.13%
Marion, OH (FHA\|USDA\|VA)	2	$100,000	$50,000	$4,638	2.38%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$95,000	$95,000	$2,079	3.63%
Oil City, PA (FHA\|USDA\|VA)	1	$95,000	$95,000	$5,552	4.75%
Fremont, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$5,832	4.75%
TALLAHASSEE, FL (FHA\|USDA\|VA)	1	$85,000	$85,000	$5,045	4.25%
MONROE, LA (FHA\|USDA\|VA)	1	$85,000	$85,000	$5,097	4.25%
Warren, PA (FHA\|USDA\|VA)	1	$85,000	$85,000	$5,679	5.50%
Maysville, KY (FHA\|USDA\|VA)	1	$85,000	$85,000	$4,999	5.00%
LIMA, OH (FHA\|USDA\|VA)	2	$70,000	$35,000	$3,220	2.56%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	1	$65,000	$65,000	$3,028	4.25%
Laurinburg, NC (FHA\|USDA\|VA)	1	$65,000	$65,000	$4,198	4.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,548	4.63%
FLINT, MI (FHA\|USDA\|VA)	1	$55,000	$55,000	$3,929	4.25%
Tiffin, OH (FHA\|USDA\|VA)	1	$5,000	$5,000	$0	0.00%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	1	$5,000	$5,000	$0	0.00%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	1	$5,000	$5,000	$2,383	6.38%

Moria Development's top markets include Phoenix, Tucson, San Diego, Lincoln, and Omaha among others.

Their top states include:

Arizona (FHA|USDA|VA)

California (FHA|USDA|VA)

Nebraska (FHA|USDA|VA)

Utah (FHA|USDA|VA)

Florida (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	3,654	$838,570,000	$229,494	$4,743	4.09%
FHA	1,093	$228,315,000	$208,888	$8,451	4.59%
VA	354	$102,250,000	$288,842	$7,748	4.21%
USDA	27	$4,095,000	$151,667	$4,497	4.27%
FHA	9	$995,000	$110,556	$0	4.59%
HELOC	1	$15,000	$15,000	n/a	5.95%

For 2019, Moria Development's most frequently originated type of loan was Conventional, with 3,654 originations. Their 2nd most popular type was FHA, with 1,093 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	3,613	$769,235,000	$212,908	$6,215	4.20%
Refi	1,518	$403,540,000	$265,837	$4,866	4.22%
Cash Out Refi	6	$1,390,000	$231,667	$5,853	5.37%
Other	1	$75,000	$75,000	$0	4.54%

For 2019, Moria Development's most frequently cited loan purpose was Home Purchase, with 3,613 originations. The 2nd most popular reason was Refi, with 1,518 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	4,599	$1,116,445,000	$242,758	$5,981	4.45%
3 Year	196	$1,330,000	$6,786	$181	0.03%
15 Year	153	$37,275,000	$243,627	$4,252	3.86%
10 Year	110	$1,740,000	$15,818	$584	2.25%
20 Year	41	$10,905,000	$265,976	$4,998	3.97%
Other	36	$6,500,000	$180,556	$4,073	3.83%
5 Year	3	$45,000	$15,000	$175	0.00%

For 2019, Moria Development's most frequently cited loan duration was 30 Year, with 4,599 originations. The 2nd most popular length was 3 Year, with 196 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	2,037	$481,625,000	$236,438
$<1k	842	$92,280,000	$109,596
$2k-3k	746	$169,590,000	$227,332
$3k-4k	648	$152,900,000	$235,957
$5k+	454	$169,230,000	$372,753
$4k-5k	391	$107,105,000	$273,926

Moria Development's average total fees were $5,981, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,037 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	2,423	$582,355,000	$240,345
3-4%	1,380	$381,160,000	$276,203
5-6%	899	$196,625,000	$218,715
<2.5%	352	$2,460,000	$6,989
6-7%	52	$7,030,000	$135,192
2.5-3%	19	$3,315,000	$174,474
7-8%	13	$1,295,000	$99,615

During 2019, Moria Development's average interest rate for loans was 4.45%, while their most frequently originated rate bucket for loans was 4-5%, with 2,423 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	2,422	$652,620,000	$269,455	$6,515	4.47%
$100k-200k	1,639	$258,725,000	$157,855	$4,749	4.55%
$100,000 or less	601	$18,845,000	$31,356	$2,389	2.15%
$400k-600k	401	$186,805,000	$465,848	$7,352	4.28%
$600k-1MM	68	$46,930,000	$690,147	$11,422	4.10%
$1MM+	7	$10,315,000	$1,473,571	$8,412	4.09%

2019 saw Moria Development place emphasis on $200k-400k loans with 2,422 originations, totaling $652,620,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	1,524	$284,350,000	$186,581	$5,637	4.13%
$50k or less	1,117	$164,725,000	$147,471	$4,937	4.01%
$75k-100k	999	$233,915,000	$234,149	$6,229	4.26%
$100k-150k	899	$262,705,000	$292,219	$6,293	4.43%
$150k-250k	428	$155,920,000	$364,299	$6,260	4.38%
$250k+	140	$62,350,000	$445,357	$6,394	4.33%

Moria Development lent most frequently to those with incomes in the $50k-75k range, with 1,524 originations. The second most popular income band? $50k or less, with 1,117 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	873	$201,535,000	$230,853	$5,357	4.18%
20-30%	736	$178,060,000	$241,929	$5,037	4.20%
50-60%	378	$82,790,000	$219,021	$8,802	4.27%
44%	301	$69,165,000	$229,784	$5,874	4.43%
43%	243	$53,585,000	$220,514	$5,701	4.20%
42%	239	$55,335,000	$231,527	$6,119	4.20%
40%	223	$48,775,000	$218,722	$5,950	4.19%
38%	216	$47,710,000	$220,880	$5,713	4.24%
41%	213	$45,065,000	$211,573	$5,740	4.13%
49%	212	$50,170,000	$236,651	$5,934	4.32%
39%	198	$43,820,000	$221,313	$5,616	4.15%
<20%	196	$47,630,000	$243,010	$4,687	4.23%
45%	184	$39,820,000	$216,413	$5,633	4.22%
47%	175	$40,105,000	$229,171	$6,050	4.36%
37%	173	$39,375,000	$227,601	$5,644	3.95%
36%	161	$36,995,000	$229,783	$5,431	4.20%
48%	141	$30,745,000	$218,050	$6,510	4.31%
46%	139	$30,295,000	$217,950	$6,429	4.25%
>60%	10	$520,000	$52,000	$1,346	2.21%

Moria Development lent most frequently to those with DTI ratios of 30-36%, with 873 originations. The next most common DTI ratio? 20-30%, with 736 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	3,412	$779,290,000	$228,397	$5,615	4.31%
Not provided	1,418	$330,910,000	$233,364	$6,110	3.95%
Black	192	$40,720,000	$212,083	$6,712	4.21%
Asian	72	$15,110,000	$209,861	$5,700	4.38%
American Indian	25	$4,975,000	$199,000	$6,141	4.32%
Native Hawaiian or Islander	12	$2,220,000	$185,000	$6,433	5.33%
Other Asian	1	$305,000	$305,000	$11,966	3.38%
Chinese	1	$295,000	$295,000	$8,453	4.13%
Other Pacific Islander	1	$235,000	$235,000	$11,942	5.63%
Vietnamese	1	$165,000	$165,000	$5,344	3.63%
Not applicable	3	$15,000	$5,000	$100	0.00%

Approval Rates

Total approvals of all applications
97.35%

Moria Development 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
74.06%

Moria Development has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	5,138	$1,174,240,000	$228,540

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Manufactured	82	$11,290,000	$137,683
Single Family (1-4 Units):Site-Built	5,056	$1,162,950,000	$230,014

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	79	$12,265,000	$155,253	$3,608	4.22%
40-60%	276	$62,680,000	$227,101	$4,338	4.18%
60-80%	1,226	$322,680,000	$263,197	$4,771	4.42%
80-100%	3,039	$741,045,000	$243,845	$6,448	4.55%
Over 100%	98	$29,570,000	$301,735	$11,062	4.31%
Under 20%	409	$3,495,000	$8,545	$311	1.00%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
Moria Development, Inc.	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	25.0%
Moria Development, Inc.	Conventional home mortgage	Incorrect information on your report	1	25.0%
Moria Development, Inc.	Other type of mortgage	Trouble during payment process	1	25.0%
Moria Development, Inc.	VA mortgage	Applying for a mortgage or refinancing an existing mortgage	1	25.0%