Moria Development Mortgage Rates, Fees & Info

TEMPE, AZ

LEI: 549300N3JBQ15RQ7AV97

Tax ID: 86-0431588

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Mortgage Data

Review & Overview

Moria Development is a small mortgage company specializing in Refi and Home Purchase 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, Omaha, and Prescott Valley among others. We have data for 299 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% 11/17/24
30 Year Conventional Refi 6.88% 11/17/24
30 Year Cash-out Refi 6.77% 11/17/24
30 Year FHA Purchase 7.83% 11/17/24
30 Year FHA Refi 7.44% 11/17/24
30 Year VA Purchase 6.46% 11/17/24
30 Year VA Refi 6.56% 11/17/24
30 Year USDA Purchase 7.06% 11/17/24
15 Year Conventional Purchase 6.65% 11/17/24
15 Year Conventional Refi 6.53% 11/17/24
15 Year Cash-out Refi 6.53% 11/17/24
15 Year FHA Refi 7.22% 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.

Moria Development Mortgage Calculator






Your Estimates

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

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

9,698

Origination Dollar Volume (All Markets)

$2,420,800,000
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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
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4,943 $1,259,615,000 $254,828 $4,653 3.22%
TUCSON, AZ (FHA|USDA|VA) 911 $205,055,000 $225,088 $4,431 3.14%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 275 $129,075,000 $469,364 $7,279 3.10%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 356 $67,030,000 $188,287 $3,668 3.17%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 196 $51,570,000 $263,112 $4,657 3.40%
FLAGSTAFF, AZ (FHA|USDA|VA) 153 $42,965,000 $280,817 $5,834 3.36%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 76 $35,770,000 $470,658 $6,233 3.15%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 76 $34,780,000 $457,632 $6,526 3.08%
Outside of Metro Areas 200 $32,670,000 $163,350 $4,990 3.03%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 97 $30,875,000 $318,299 $7,633 3.20%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 100 $30,590,000 $305,900 $6,558 2.97%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 63 $28,215,000 $447,857 $4,949 3.03%
SALT LAKE CITY, UT (FHA|USDA|VA) 104 $27,660,000 $265,962 $5,603 3.49%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 93 $25,725,000 $276,613 $5,768 3.51%
LINCOLN, NE (FHA|USDA|VA) 133 $24,125,000 $181,391 $3,214 3.07%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 82 $19,440,000 $237,073 $5,906 3.19%
GRAND ISLAND, NE (FHA|USDA|VA) 105 $17,695,000 $168,524 $6,212 3.43%
Show Low, AZ (FHA|USDA|VA) 73 $16,555,000 $226,781 $4,057 3.23%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 74 $15,730,000 $212,568 $6,250 3.38%
BAKERSFIELD, CA (FHA|USDA|VA) 102 $14,170,000 $138,922 $4,317 2.41%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 59 $13,465,000 $228,220 $5,021 2.81%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 42 $12,550,000 $298,810 $6,087 3.28%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 33 $10,525,000 $318,939 $5,191 2.89%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 49 $10,225,000 $208,673 $6,600 3.19%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 42 $9,720,000 $231,429 $7,163 3.24%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 36 $8,180,000 $227,222 $6,210 3.34%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 31 $8,155,000 $263,065 $6,083 3.20%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 34 $7,400,000 $217,647 $5,875 3.17%
Payson, AZ (FHA|USDA|VA) 32 $7,380,000 $230,625 $4,118 3.26%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 22 $7,370,000 $335,000 $8,640 3.36%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 31 $6,235,000 $201,129 $7,338 3.19%
STOCKTON, CA (FHA|USDA|VA) 23 $6,065,000 $263,696 $5,762 3.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 19 $5,775,000 $303,947 $5,752 3.20%
FORT COLLINS, CO (FHA|USDA|VA) 16 $5,460,000 $341,250 $5,411 3.04%
PROVO-OREM, UT (FHA|USDA|VA) 21 $5,285,000 $251,667 $4,434 3.87%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 46 $5,170,000 $112,391 $3,886 2.53%
COLUMBUS, OH (FHA|USDA|VA) 29 $4,795,000 $165,345 $4,219 2.76%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 25 $4,485,000 $179,400 $5,483 3.26%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 33 $4,105,000 $124,394 $4,192 2.78%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 19 $3,965,000 $208,684 $4,024 3.28%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 13 $3,945,000 $303,462 $5,527 3.14%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 8 $3,930,000 $491,250 $6,899 3.09%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 16 $3,830,000 $239,375 $3,936 3.24%
VALLEJO, CA (FHA|USDA|VA) 16 $3,820,000 $238,750 $8,998 2.21%
Hastings, NE (FHA|USDA|VA) 28 $3,680,000 $131,429 $5,524 3.42%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 10 $3,610,000 $361,000 $9,094 2.31%
JACKSONVILLE, FL (FHA|USDA|VA) 18 $3,450,000 $191,667 $5,036 3.18%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 17 $3,425,000 $201,471 $6,460 3.19%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 16 $3,390,000 $211,875 $5,478 3.74%
GREELEY, CO (FHA|USDA|VA) 9 $2,925,000 $325,000 $4,007 3.11%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 24 $2,920,000 $121,667 $4,033 2.97%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 11 $2,915,000 $265,000 $5,234 3.48%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 12 $2,450,000 $204,167 $8,052 3.64%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $2,320,000 $193,333 $6,460 3.21%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 10 $2,260,000 $226,000 $7,404 3.65%
BOULDER, CO (FHA|USDA|VA) 5 $2,045,000 $409,000 $6,030 3.28%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 14 $1,980,000 $141,429 $4,919 3.27%
FRESNO, CA (FHA|USDA|VA) 7 $1,925,000 $275,000 $3,906 2.89%
YUMA, AZ (FHA|USDA|VA) 9 $1,865,000 $207,222 $5,331 3.35%
LOUISVILLE, KY (FHA|USDA|VA) 9 $1,755,000 $195,000 $4,741 3.11%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 9 $1,725,000 $191,667 $4,700 3.46%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 9 $1,655,000 $183,889 $4,905 3.50%
MODESTO, CA (FHA|USDA|VA) 5 $1,645,000 $329,000 $5,558 3.50%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $1,630,000 $203,750 $4,721 3.13%
RICHMOND, VA (FHA|USDA|VA) 8 $1,610,000 $201,250 $6,154 3.06%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 7 $1,565,000 $223,571 $4,611 3.14%
OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $1,490,000 $248,333 $6,881 3.40%
PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $1,460,000 $182,500 $7,073 3.14%
GRAND JUNCTION, CO (FHA|USDA|VA) 5 $1,405,000 $281,000 $5,305 3.10%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $1,400,000 $140,000 $3,786 3.15%
MERCED, CA (FHA|USDA|VA) 4 $1,400,000 $350,000 $6,961 3.19%
AKRON, OH (FHA|USDA|VA) 8 $1,360,000 $170,000 $5,785 2.84%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $1,330,000 $332,500 $5,880 3.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $1,285,000 $257,000 $4,872 2.58%
CASPER, WY (FHA|USDA|VA) 7 $1,275,000 $182,143 $4,031 2.75%
SALINAS, CA (FHA|USDA|VA) 3 $1,265,000 $421,667 $7,233 3.16%
Newport, OR (FHA|USDA|VA) 7 $1,245,000 $177,857 $4,090 3.79%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $1,245,000 $177,857 $4,728 3.43%
Heber, UT (FHA|USDA|VA) 3 $1,235,000 $411,667 $7,237 3.04%
KNOXVILLE, TN (FHA|USDA|VA) 7 $1,195,000 $170,714 $5,514 3.45%
PITTSBURGH, PA (FHA|USDA|VA) 8 $1,130,000 $141,250 $6,945 2.87%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $1,100,000 $183,333 $3,810 3.48%
OCALA, FL (FHA|USDA|VA) 7 $1,095,000 $156,429 $5,778 3.34%
YUBA CITY, CA (FHA|USDA|VA) 4 $1,020,000 $255,000 $4,884 3.09%
Fremont, NE (FHA|USDA|VA) 10 $1,020,000 $102,000 $3,006 2.79%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $995,000 $199,000 $6,281 3.10%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $990,000 $247,500 $5,739 3.72%
NAPA, CA (FHA|USDA|VA) 2 $970,000 $485,000 $6,896 2.94%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $960,000 $480,000 $15,516 2.81%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $955,000 $191,000 $4,672 3.35%
KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $950,000 $158,333 $5,073 3.06%
Beatrice, NE (FHA|USDA|VA) 6 $930,000 $155,000 $3,973 3.25%
CHEYENNE, WY (FHA|USDA|VA) 4 $910,000 $227,500 $4,652 2.22%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 4 $910,000 $227,500 $6,869 3.41%
Nogales, AZ (FHA|USDA|VA) 7 $885,000 $126,429 $3,347 2.93%
MIDLAND, TX (FHA|USDA|VA) 4 $880,000 $220,000 $4,890 3.47%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $880,000 $220,000 $5,004 3.09%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $870,000 $435,000 $7,291 3.81%
ST. CLOUD, MN (FHA|USDA|VA) 3 $865,000 $288,333 $6,878 3.38%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $860,000 $215,000 $5,027 3.50%
Price, UT (FHA|USDA|VA) 5 $845,000 $169,000 $5,401 3.93%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $845,000 $169,000 $4,863 3.70%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $810,000 $135,000 $3,448 3.10%
ST. GEORGE, UT (FHA|USDA|VA) 4 $810,000 $202,500 $3,174 3.38%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $790,000 $197,500 $3,632 3.50%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $775,000 $258,333 $9,081 2.88%
Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $770,000 $385,000 $7,362 3.88%
SANTA FE, NM (FHA|USDA|VA) 2 $760,000 $380,000 $8,723 2.56%
Salem, OH (FHA|USDA|VA) 9 $735,000 $81,667 $3,270 2.21%
Fernley, NV (FHA|USDA|VA) 3 $735,000 $245,000 $6,016 3.21%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $730,000 $365,000 $6,256 3.44%
Easton, MD (FHA|USDA|VA) 3 $725,000 $241,667 $3,857 2.92%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $705,000 $235,000 $8,560 3.54%
Norfolk, NE (FHA|USDA|VA) 4 $690,000 $172,500 $2,092 3.03%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $675,000 $225,000 $7,843 3.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $670,000 $167,500 $6,326 3.41%
GAINESVILLE, FL (FHA|USDA|VA) 3 $645,000 $215,000 $8,172 3.46%
MANSFIELD, OH (FHA|USDA|VA) 3 $645,000 $215,000 $5,535 3.63%
RENO, NV (FHA|USDA|VA) 2 $640,000 $320,000 $4,217 3.50%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $640,000 $320,000 $4,750 3.25%
ANN ARBOR, MI (FHA|USDA|VA) 3 $635,000 $211,667 $6,650 3.13%
SIOUX FALLS, SD (FHA|USDA|VA) 3 $585,000 $195,000 $4,168 3.04%
Kearney, NE (FHA|USDA|VA) 5 $575,000 $115,000 $4,508 3.78%
Del Rio, TX (FHA|USDA|VA) 4 $570,000 $142,500 $5,180 2.47%
VISALIA, CA (FHA|USDA|VA) 3 $555,000 $185,000 $7,236 2.33%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $550,000 $275,000 $8,281 3.00%
COLUMBIA, SC (FHA|USDA|VA) 4 $540,000 $135,000 $3,583 3.34%
CHICO, CA (FHA|USDA|VA) 2 $540,000 $270,000 $9,440 2.94%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $530,000 $265,000 $3,880 3.25%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $525,000 $175,000 $4,149 3.17%
LAS CRUCES, NM (FHA|USDA|VA) 2 $520,000 $260,000 $6,875 3.06%
Rock Springs, WY (FHA|USDA|VA) 2 $510,000 $255,000 $6,426 2.69%
SAVANNAH, GA (FHA|USDA|VA) 4 $500,000 $125,000 $4,470 2.56%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $500,000 $250,000 $9,330 3.00%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $490,000 $245,000 $6,469 3.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $490,000 $245,000 $7,148 3.06%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $485,000 $97,000 $3,890 3.38%
Boone, NC (FHA|USDA|VA) 1 $485,000 $485,000 $2,556 2.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $470,000 $117,500 $2,127 3.69%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $470,000 $117,500 $3,615 4.19%
BATON ROUGE, LA (FHA|USDA|VA) 2 $460,000 $230,000 $8,353 3.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $460,000 $230,000 $7,164 3.56%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $460,000 $230,000 $4,333 3.56%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $435,000 $145,000 $5,503 3.38%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $435,000 $145,000 $3,288 3.17%
NILES, MI (FHA|USDA|VA) 1 $435,000 $435,000 $5,933 3.50%
CaƱon City, CO (FHA|USDA|VA) 2 $430,000 $215,000 $3,954 3.31%
Sandusky, OH (FHA|USDA|VA) 3 $415,000 $138,333 $4,522 3.21%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $405,000 $135,000 $4,221 3.63%
Jefferson, GA (FHA|USDA|VA) 2 $400,000 $200,000 $5,997 3.69%
SPARTANBURG, SC (FHA|USDA|VA) 3 $395,000 $131,667 $5,077 3.79%
LOGAN, UT-ID (FHA|USDA|VA) 2 $380,000 $190,000 $4,931 3.38%
Pahrump, NV (FHA|USDA|VA) 2 $380,000 $190,000 $3,590 3.06%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $370,000 $185,000 $5,954 3.38%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $370,000 $185,000 $4,172 2.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $370,000 $185,000 $5,185 3.31%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $365,000 $121,667 $4,189 2.67%
AMARILLO, TX (FHA|USDA|VA) 3 $365,000 $121,667 $3,796 4.96%
RAPID CITY, SD (FHA|USDA|VA) 1 $365,000 $365,000 $2,533 3.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $365,000 $121,667 $4,438 2.67%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $360,000 $180,000 $5,804 3.88%
Meadville, PA (FHA|USDA|VA) 2 $360,000 $180,000 $7,129 3.25%
MORRISTOWN, TN (FHA|USDA|VA) 1 $355,000 $355,000 $4,194 3.38%
Steamboat Springs, CO (FHA|USDA|VA) 1 $355,000 $355,000 $3,380 3.38%
THE VILLAGES, FL (FHA|USDA|VA) 3 $355,000 $118,333 $4,372 2.63%
TYLER, TX (FHA|USDA|VA) 2 $350,000 $175,000 $3,844 3.06%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $345,000 $345,000 $9,816 2.75%
TOLEDO, OH (FHA|USDA|VA) 3 $345,000 $115,000 $4,316 3.63%
Aberdeen, WA (FHA|USDA|VA) 2 $340,000 $170,000 $6,080 4.00%
LAFAYETTE, LA (FHA|USDA|VA) 3 $335,000 $111,667 $4,992 3.58%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $330,000 $82,500 $3,875 1.88%
Safford, AZ (FHA|USDA|VA) 2 $330,000 $165,000 $6,297 3.00%
Ruidoso, NM (FHA|USDA|VA) 1 $325,000 $325,000 $10,514 2.88%
Hays, KS (FHA|USDA|VA) 1 $315,000 $315,000 $6,130 3.00%
ROANOKE, VA (FHA|USDA|VA) 1 $315,000 $315,000 $9,454 2.63%
Port Angeles, WA (FHA|USDA|VA) 1 $315,000 $315,000 $4,400 3.50%
Ukiah, CA (FHA|USDA|VA) 2 $310,000 $155,000 $6,985 1.88%
MADERA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $9,950 2.75%
Orangeburg, SC (FHA|USDA|VA) 2 $300,000 $150,000 $3,941 3.81%
FLINT, MI (FHA|USDA|VA) 2 $300,000 $150,000 $3,957 3.88%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $295,000 $295,000 $4,222 3.13%
MEDFORD, OR (FHA|USDA|VA) 1 $295,000 $295,000 $7,595 2.75%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $295,000 $98,333 $4,372 2.25%
LANCASTER, PA (FHA|USDA|VA) 1 $285,000 $285,000 $4,360 2.88%
VALDOSTA, GA (FHA|USDA|VA) 2 $270,000 $135,000 $5,095 2.94%
FORT WAYNE, IN (FHA|USDA|VA) 2 $260,000 $130,000 $6,019 3.06%
YAKIMA, WA (FHA|USDA|VA) 1 $255,000 $255,000 $9,449 2.63%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $255,000 $255,000 $7,794 3.75%
Ottumwa, IA (FHA|USDA|VA) 1 $255,000 $255,000 $9,553 3.13%
WENATCHEE, WA (FHA|USDA|VA) 1 $255,000 $255,000 $4,350 4.13%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $255,000 $255,000 $6,263 3.13%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $250,000 $62,500 $2,290 1.88%
BELLINGHAM, WA (FHA|USDA|VA) 1 $245,000 $245,000 $6,116 3.38%
Sonora, CA (FHA|USDA|VA) 1 $245,000 $245,000 $3,677 2.88%
El Dorado, AR (FHA|USDA|VA) 1 $245,000 $245,000 $8,358 3.13%
LONGVIEW, WA (FHA|USDA|VA) 1 $245,000 $245,000 $5,495 3.50%
Susanville, CA (FHA|USDA|VA) 3 $245,000 $81,667 $3,993 1.92%
JONESBORO, AR (FHA|USDA|VA) 1 $245,000 $245,000 $8,849 3.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $245,000 $245,000 $5,552 3.63%
FLORENCE, SC (FHA|USDA|VA) 1 $245,000 $245,000 $5,203 3.50%
ALBANY, GA (FHA|USDA|VA) 2 $240,000 $120,000 $4,514 3.75%
LAWRENCE, KS (FHA|USDA|VA) 1 $235,000 $235,000 $8,620 2.75%
Marion, OH (FHA|USDA|VA) 3 $235,000 $78,333 $3,272 2.67%
SALEM, OR (FHA|USDA|VA) 1 $235,000 $235,000 $8,129 4.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $235,000 $235,000 $9,353 3.13%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $230,000 $115,000 $5,318 2.88%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $225,000 $225,000 $8,408 3.25%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $225,000 $225,000 $2,564 2.88%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $205,000 $205,000 $3,789 3.50%
Gaffney, SC (FHA|USDA|VA) 1 $205,000 $205,000 $9,267 3.38%
BEND, OR (FHA|USDA|VA) 1 $205,000 $205,000 $3,797 4.13%
IOWA CITY, IA (FHA|USDA|VA) 1 $205,000 $205,000 $11,737 3.75%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $205,000 $205,000 $2,312 4.00%
Warren, PA (FHA|USDA|VA) 2 $200,000 $100,000 $5,038 3.13%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $195,000 $195,000 $5,384 3.00%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $195,000 $195,000 $1,950 3.25%
Red Wing, MN (FHA|USDA|VA) 1 $195,000 $195,000 $4,015 3.50%
CLEVELAND, TN (FHA|USDA|VA) 1 $195,000 $195,000 $7,720 3.63%
Brainerd, MN (FHA|USDA|VA) 1 $185,000 $185,000 $3,225 3.63%
Stevens Point, WI (FHA|USDA|VA) 1 $185,000 $185,000 $10,233 2.88%
FARGO, ND-MN (FHA|USDA|VA) 1 $185,000 $185,000 $3,242 3.88%
Gillette, WY (FHA|USDA|VA) 1 $185,000 $185,000 $2,543 5.25%
EL CENTRO, CA (FHA|USDA|VA) 1 $185,000 $185,000 $8,511 3.13%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $175,000 $175,000 $2,794 2.75%
READING, PA (FHA|USDA|VA) 1 $175,000 $175,000 $4,468 3.50%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,386 3.13%
JACKSON, MS (FHA|USDA|VA) 1 $175,000 $175,000 $3,567 3.75%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $175,000 $175,000 $5,738 4.50%
Forest City, NC (FHA|USDA|VA) 1 $175,000 $175,000 $6,816 6.50%
PUEBLO, CO (FHA|USDA|VA) 1 $175,000 $175,000 $6,740 4.13%
Chillicothe, OH (FHA|USDA|VA) 2 $170,000 $85,000 $4,997 1.81%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,289 3.13%
Roswell, NM (FHA|USDA|VA) 1 $165,000 $165,000 $6,710 3.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,853 2.88%
Moses Lake, WA (FHA|USDA|VA) 1 $165,000 $165,000 $8,800 4.75%
HINESVILLE, GA (FHA|USDA|VA) 1 $155,000 $155,000 $6,822 2.88%
ASHEVILLE, NC (FHA|USDA|VA) 1 $155,000 $155,000 $1,908 2.75%
GREEN BAY, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,954 3.00%
Traverse City, MI (FHA|USDA|VA) 1 $155,000 $155,000 $3,548 3.00%
REDDING, CA (FHA|USDA|VA) 1 $155,000 $155,000 $3,353 2.63%
WACO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,306 2.75%
Fremont, OH (FHA|USDA|VA) 2 $150,000 $75,000 $1,910 5.06%
ABILENE, TX (FHA|USDA|VA) 2 $150,000 $75,000 $3,741 2.00%
Blytheville, AR (FHA|USDA|VA) 1 $145,000 $145,000 $2,862 3.13%
Columbus, NE (FHA|USDA|VA) 1 $145,000 $145,000 $4,698 3.00%
Natchitoches, LA (FHA|USDA|VA) 1 $145,000 $145,000 $3,130 3.25%
GAINESVILLE, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,496 3.00%
Kingsville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,105 2.88%
Frankfort, KY (FHA|USDA|VA) 1 $145,000 $145,000 $3,265 3.00%
Toccoa, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,615 3.00%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $145,000 $145,000 $3,341 3.75%
Tiffin, OH (FHA|USDA|VA) 2 $140,000 $70,000 $3,723 1.88%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,403 4.13%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $135,000 $135,000 $4,749 3.25%
SUMTER, SC (FHA|USDA|VA) 1 $135,000 $135,000 $3,646 3.00%
Wabash, IN (FHA|USDA|VA) 1 $135,000 $135,000 $3,024 4.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $125,000 $125,000 $3,307 3.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $125,000 $125,000 $6,168 2.75%
Jesup, GA (FHA|USDA|VA) 1 $125,000 $125,000 $4,986 4.13%
Durango, CO (FHA|USDA|VA) 1 $125,000 $125,000 $3,275 2.75%
MUNCIE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,444 3.25%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $125,000 $125,000 $4,044 3.63%
MANHATTAN, KS (FHA|USDA|VA) 1 $125,000 $125,000 $2,959 3.75%
TULSA, OK (FHA|USDA|VA) 1 $125,000 $125,000 $3,185 3.25%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $125,000 $125,000 $3,640 3.00%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $120,000 $60,000 $3,668 1.88%
Klamath Falls, OR (FHA|USDA|VA) 1 $115,000 $115,000 $3,480 3.50%
Minot, ND (FHA|USDA|VA) 1 $115,000 $115,000 $4,796 3.00%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $115,000 $115,000 $8,270 2.75%
Ottawa, IL (FHA|USDA|VA) 1 $115,000 $115,000 $5,466 2.75%
Ontario, OR-ID (FHA|USDA|VA) 1 $115,000 $115,000 $5,878 3.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $115,000 $115,000 $3,679 3.50%
Shelby, NC (FHA|USDA|VA) 1 $115,000 $115,000 $4,400 3.25%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,243 3.63%
WICHITA, KS (FHA|USDA|VA) 1 $105,000 $105,000 $4,966 3.00%
Cambridge, MD (FHA|USDA|VA) 1 $105,000 $105,000 $6,413 2.88%
Dublin, GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,673 3.25%
LAWTON, OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,570 2.88%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,378 2.50%
Washington, NC (FHA|USDA|VA) 1 $95,000 $95,000 $1,701 3.88%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $95,000 $95,000 $5,073 3.63%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $95,000 $95,000 $4,474 3.63%
Point Pleasant, WV-OH (FHA|USDA|VA) 2 $90,000 $45,000 $3,353 2.44%
Big Rapids, MI (FHA|USDA|VA) 1 $85,000 $85,000 $2,325 3.25%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $85,000 $85,000 $6,483 3.63%
ODESSA, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,471 3.63%
KANKAKEE, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,038 3.25%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $75,000 $75,000 $3,163 3.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $75,000 $75,000 $3,011 3.25%
Huntington, IN (FHA|USDA|VA) 1 $75,000 $75,000 $3,977 3.00%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $75,000 $75,000 $3,823 3.63%
Lincoln, IL (FHA|USDA|VA) 1 $75,000 $75,000 $2,950 3.00%
Fort Dodge, IA (FHA|USDA|VA) 1 $65,000 $65,000 $2,999 3.25%
Thomaston, GA (FHA|USDA|VA) 1 $65,000 $65,000 $3,271 3.13%
Oskaloosa, IA (FHA|USDA|VA) 1 $65,000 $65,000 $2,890 3.38%
Adrian, MI (FHA|USDA|VA) 1 $55,000 $55,000 $2,599 4.25%
SAN ANGELO, TX (FHA|USDA|VA) 1 $55,000 $55,000 $3,239 3.75%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $55,000 $55,000 $3,006 4.75%
Hutchinson, KS (FHA|USDA|VA) 1 $45,000 $45,000 $2,504 4.50%
Moria Development's top markets include Phoenix, Tucson, San Diego, Omaha, and Prescott Valley among others.

Their top states include:
  • Arizona (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,703 $1,920,815,000 $249,359 $3,987 3.16%
    FHA 1,474 $340,580,000 $231,058 $8,971 3.39%
    VA 464 $149,060,000 $321,250 $7,449 3.04%
    USDA 54 $9,670,000 $179,074 $5,891 3.20%
    FHA 2 $570,000 $285,000 $0 2.61%
    Reverse Mortgage 1 $105,000 $105,000 $0 3.00%

    For 2020, Moria Development's most frequently originated type of loan was Conventional, with 7,703 originations. Their 2nd most popular type was FHA, with 1,474 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 5,038 $1,317,310,000 $261,475 $3,889 3.25%
    Home Purchase 4,656 $1,102,400,000 $236,770 $6,043 3.13%
    Home Improvement 2 $680,000 $340,000 $2,617 3.19%
    Cash Out Refi 2 $410,000 $205,000 $2,931 3.25%

    For 2020, Moria Development's most frequently cited loan purpose was Refi, with 5,038 originations. The 2nd most popular reason was Home Purchase, with 4,656 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 8,576 $2,219,030,000 $258,749 $5,213 3.30%
    15 Year 544 $118,370,000 $217,592 $3,485 2.86%
    3 Year 219 $1,675,000 $7,648 $94 0.06%
    20 Year 202 $54,530,000 $269,950 $3,537 3.13%
    Other 90 $21,840,000 $242,667 $3,532 2.95%
    10 Year 62 $5,320,000 $85,806 $1,188 2.08%
    5 Year 4 $30,000 $7,500 $75 0.00%
    30+ year 1 $5,000 $5,000 $0 0.00%

    For 2020, Moria Development's most frequently cited loan duration was 30 Year, with 8,576 originations. The 2nd most popular length was 15 Year, with 544 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 4,476 $1,136,730,000 $253,961
    $2k-3k 1,148 $279,770,000 $243,702
    $<1k 895 $95,515,000 $106,721
    $3k-4k 890 $229,820,000 $258,225
    $5k+ 619 $229,005,000 $369,960
    $4k-5k 547 $157,675,000 $288,254

    Moria Development's average total fees were $5,213, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,476 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 5,016 $1,280,680,000 $255,319
    2.5-3% 3,187 $871,775,000 $273,541
    4-5% 698 $165,130,000 $236,576
    <2.5% 686 $80,650,000 $117,566
    5-6% 97 $20,755,000 $213,969
    6-7% 9 $1,395,000 $155,000
    7-8% 5 $415,000 $83,000

    During 2020, Moria Development's average interest rate for loans was 3.30%, while their most frequently originated rate bucket for loans was 3-4%, with 5,016 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,961 $1,378,895,000 $277,947 $5,547 3.32%
    $100k-200k 2,826 $445,950,000 $157,803 $4,067 3.36%
    $400k-600k 1,004 $469,110,000 $467,241 $6,284 3.21%
    $100,000 or less 767 $28,255,000 $36,838 $1,356 1.72%
    $600k-1MM 135 $92,915,000 $688,259 $9,370 3.11%
    $1MM+ 5 $5,675,000 $1,135,000 $17,606 3.08%

    2020 saw Moria Development place emphasis on $200k-400k loans with 4,961 originations, totaling $1,378,895,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,664 $547,960,000 $205,691 $4,985 3.13%
    $100k-150k 1,882 $563,910,000 $299,633 $5,190 3.29%
    $75k-100k 1,860 $464,150,000 $249,543 $4,978 3.22%
    $50k or less 1,793 $302,025,000 $168,447 $4,334 3.09%
    $150k-250k 1,100 $391,010,000 $355,464 $5,199 3.26%
    $250k+ 298 $119,020,000 $399,396 $5,203 3.28%

    Moria Development lent most frequently to those with incomes in the $50k-75k range, with 2,664 originations. The second most popular income band? $100k-150k, with 1,882 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,946 $499,110,000 $256,480 $4,170 3.19%
    30-36% 1,721 $428,305,000 $248,870 $4,608 3.21%
    <20% 707 $173,015,000 $244,717 $3,735 3.03%
    44% 489 $122,115,000 $249,724 $5,557 3.32%
    50-60% 485 $113,745,000 $234,526 $8,346 3.10%
    43% 399 $101,735,000 $254,975 $5,229 3.35%
    41% 382 $92,960,000 $243,351 $5,516 3.23%
    40% 379 $87,685,000 $231,359 $4,751 3.04%
    39% 367 $91,515,000 $249,360 $4,926 3.21%
    42% 357 $87,415,000 $244,860 $5,412 3.24%
    38% 345 $83,535,000 $242,130 $4,919 3.17%
    37% 325 $81,375,000 $250,385 $4,820 3.20%
    36% 309 $78,565,000 $254,256 $4,959 3.19%
    49% 304 $78,320,000 $257,632 $5,417 3.25%
    45% 276 $64,400,000 $233,333 $5,256 3.18%
    46% 245 $64,545,000 $263,449 $5,279 3.23%
    47% 221 $55,195,000 $249,751 $5,538 3.31%
    48% 208 $54,390,000 $261,490 $5,641 3.29%
    >60% 7 $915,000 $130,714 $4,193 2.12%

    Moria Development lent most frequently to those with DTI ratios of 20-30%, with 1,946 originations. The next most common DTI ratio? 30-36%, with 1,721 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,585 $1,393,835,000 $249,568 $4,826 3.25%
    Not provided 3,608 $904,570,000 $250,712 $4,927 3.10%
    Black 280 $62,290,000 $222,464 $6,399 3.10%
    Asian 164 $45,030,000 $274,573 $5,150 3.20%
    American Indian 40 $9,300,000 $232,500 $6,087 3.09%
    Native Hawaiian or Islander 13 $3,055,000 $235,000 $6,751 3.15%
    Asian Indian 4 $1,290,000 $322,500 $3,460 3.13%
    Other Asian 2 $750,000 $375,000 $12,078 2.94%
    Other Pacific Islander 1 $385,000 $385,000 $3,103 3.00%
    Native Hawaiian 1 $295,000 $295,000 $2,415 4.00%

    Approval Rates

    Total approvals of all applications
    98.07%

    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
    81.74%

    Moria Development has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 9,698 $2,420,800,000 $249,618

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 112 $17,910,000 $159,911
    Single Family (1-4 Units):Site-Built 9,586 $2,402,890,000 $250,667

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 296 $53,930,000 $182,196 $3,100 3.06%
    40-60% 1,260 $304,520,000 $241,683 $3,364 3.11%
    60-80% 3,291 $890,535,000 $270,597 $4,180 3.33%
    80-100% 4,280 $1,133,780,000 $264,902 $6,417 3.39%
    Over 100% 87 $30,425,000 $349,713 $13,889 3.11%
    Under 20% 477 $5,745,000 $12,044 $178 0.71%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Moria Development, Inc. Conventional home mortgage Trouble during payment process 1 100.0%