Firstbank
Nashville, TN 37221LEI: 549300OBO7DOF2KOP535
Tax ID: 62-0198265
2019 Data | 2018 Data
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Overview
Firstbank is a small mortgage company specializing in Home Purchase and Refi loans. Firstbank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Nashville, Huntsville, Birmingham, Atlanta, and Phoenix among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Firstbank is typically a low fee lendor.Originations
16,138Origination Dollar Volume (All Markets)
$4,013,920,000Product Mix
| Loan Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Conventional | 13,250 | $3,380,080,000 | $255,100 |
| FHA | 1,522 | $291,610,000 | $191,597 |
| VA | 994 | $289,040,000 | $290,785 |
| USDA | 372 | $53,190,000 | $142,984 |
Conventional loans are assumed to be 20% downpayment and either fixed/adjustable rate. FHA loans start at 3.5% downpayment and are targeted towards first time homebuyers who will be owner-occupants. USDA loans target agrarian uses such as farms. VA loans are available to members of the military. FHA, USDA and VA loans are typically subsidized by the government so as to have more favorable terms for the borrower.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 8,447 | $1,862,775,000 | $220,525 |
| Home Improvement | 187 | $13,335,000 | $71,310 |
| Other | 568 | $63,880,000 | $112,465 |
| Refi | 4,714 | $1,437,760,000 | $304,998 |
| Cash Out Refi | 2,222 | $636,170,000 | $286,305 |
Home purchase and refinance loans are typically offered by even the most prudent banks. Cash out refi loans typically carry higher fees-- they allow homeowners to get loans against the equity (appreciated value) of their home, but can be used irresponsibly. Lendors with a high ratio of cash out refi loans may be exposed in the event of an economic downturn, and may be more aggressive with their fee schedules.
Top Markets
| Market | Originations | Total Value | Average Loan |
|---|---|---|---|
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 2,013 | $563,605,000 | $279,983 |
| Outside of Metro Areas | 2,901 | $430,765,000 | $148,488 |
| HUNTSVILLE, AL | 798 | $192,740,000 | $241,529 |
| BIRMINGHAM-HOOVER, AL | 759 | $161,985,000 | $213,419 |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA | 393 | $111,345,000 | $283,321 |
| PHOENIX-MESA-CHANDLER, AZ | 374 | $106,620,000 | $285,080 |
| CHATTANOOGA, TN-GA | 474 | $93,630,000 | $197,532 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 383 | $93,615,000 | $244,426 |
| SEATTLE-BELLEVUE-KENT, WA | 167 | $71,365,000 | $427,335 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 159 | $69,925,000 | $439,780 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 235 | $62,685,000 | $266,745 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 152 | $62,040,000 | $408,158 |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | 135 | $58,325,000 | $432,037 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 205 | $58,065,000 | $283,244 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 158 | $53,160,000 | $336,456 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 137 | $47,425,000 | $346,168 |
| KNOXVILLE, TN | 201 | $47,245,000 | $235,050 |
| DALLAS-PLANO-IRVING, TX | 178 | $46,330,000 | $260,281 |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | 129 | $45,725,000 | $354,457 |
| DENVER-AURORA-LAKEWOOD, CO | 119 | $45,205,000 | $379,874 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 100 | $45,020,000 | $450,200 |
| OAKLAND-BERKELEY-LIVERMORE, CA | 91 | $44,445,000 | $488,407 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 139 | $43,205,000 | $310,827 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 147 | $40,165,000 | $273,231 |
| TUSCALOOSA, AL | 198 | $36,630,000 | $185,000 |
| CHICAGO-NAPERVILLE-EVANSTON, IL | 102 | $30,840,000 | $302,353 |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX | 156 | $29,810,000 | $191,090 |
| SALT LAKE CITY, UT | 78 | $28,460,000 | $364,872 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 98 | $27,700,000 | $282,653 |
| GREENVILLE-ANDERSON, SC | 132 | $26,880,000 | $203,636 |
| JACKSON, TN | 181 | $25,315,000 | $139,862 |
| RALEIGH-CARY, NC | 86 | $24,120,000 | $280,465 |
| NEW BRUNSWICK-LAKEWOOD, NJ | 69 | $24,045,000 | $348,478 |
| RENO, NV | 72 | $22,830,000 | $317,083 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 80 | $22,790,000 | $284,875 |
| MEMPHIS, TN-MS-AR | 105 | $21,695,000 | $206,619 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 44 | $21,620,000 | $491,364 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 49 | $20,235,000 | $412,959 |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL | 61 | $19,535,000 | $320,246 |
| CHARLESTON-NORTH CHARLESTON, SC | 71 | $18,335,000 | $258,239 |
| WARREN-TROY-FARMINGTON HILLS, MI | 66 | $18,320,000 | $277,576 |
| BOISE CITY, ID | 60 | $17,800,000 | $296,667 |
| ROME, GA | 109 | $17,755,000 | $162,890 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 50 | $17,170,000 | $343,400 |
| TACOMA-LAKEWOOD, WA | 49 | $17,035,000 | $347,653 |
| DALTON, GA | 127 | $16,915,000 | $133,189 |
| ST. LOUIS, MO-IL | 59 | $16,455,000 | $278,898 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 73 | $16,205,000 | $221,986 |
| FLORENCE-MUSCLE SHOALS, AL | 75 | $15,055,000 | $200,733 |
| NILES, MI | 3 | $14,865,000 | $4,955,000 |
| COLUMBIA, SC | 72 | $14,810,000 | $205,694 |
| CINCINNATI, OH-KY-IN | 35 | $14,615,000 | $417,571 |
| SPARTANBURG, SC | 78 | $13,500,000 | $173,077 |
| RICHMOND, VA | 39 | $12,945,000 | $331,923 |
| NEWARK, NJ-PA | 34 | $12,740,000 | $374,706 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 38 | $12,730,000 | $335,000 |
| COLUMBUS, GA-AL | 108 | $12,690,000 | $117,500 |
| PROVO-OREM, UT | 38 | $12,500,000 | $328,947 |
| KANSAS CITY, MO-KS | 49 | $12,095,000 | $246,837 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 41 | $11,515,000 | $280,854 |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX | 46 | $11,480,000 | $249,565 |
| COLUMBUS, OH | 42 | $10,830,000 | $257,857 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 26 | $10,530,000 | $405,000 |
| JACKSONVILLE, FL | 43 | $10,335,000 | $240,349 |
| COLORADO SPRINGS, CO | 38 | $10,080,000 | $265,263 |
| AUBURN-OPELIKA, AL | 45 | $9,965,000 | $221,444 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 23 | $9,845,000 | $428,043 |
| STOCKTON, CA | 31 | $9,845,000 | $317,581 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 33 | $9,515,000 | $288,333 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 25 | $9,465,000 | $378,600 |
| DURHAM-CHAPEL HILL, NC | 28 | $9,420,000 | $336,429 |
| CLARKSVILLE, TN-KY | 39 | $9,245,000 | $237,051 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 53 | $9,135,000 | $172,358 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 19 | $9,065,000 | $477,105 |
| MORRISTOWN, TN | 65 | $9,015,000 | $138,692 |
| OGDEN-CLEARFIELD, UT | 28 | $8,940,000 | $319,286 |
| MONTGOMERY, AL | 46 | $8,840,000 | $192,174 |
| TUCSON, AZ | 36 | $8,760,000 | $243,333 |
| ALBUQUERQUE, NM | 32 | $8,460,000 | $264,375 |
| JACKSON, MS | 53 | $8,345,000 | $157,453 |
| URBAN HONOLULU, HI | 15 | $8,335,000 | $555,667 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 18 | $8,050,000 | $447,222 |
| CLEVELAND-ELYRIA, OH | 29 | $7,785,000 | $268,448 |
| CAPE CORAL-FORT MYERS, FL | 24 | $7,660,000 | $319,167 |
| ANCHORAGE, AK | 19 | $7,645,000 | $402,368 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 26 | $7,510,000 | $288,846 |
| SALEM, OR | 23 | $7,075,000 | $307,609 |
| EUGENE-SPRINGFIELD, OR | 23 | $7,045,000 | $306,304 |
| SANTA ROSA-PETALUMA, CA | 15 | $6,765,000 | $451,000 |
| FRESNO, CA | 23 | $6,665,000 | $289,783 |
| MANHATTAN, KS | 2 | $6,520,000 | $3,260,000 |
| ROANOKE, VA | 30 | $6,490,000 | $216,333 |
| VALLEJO, CA | 20 | $6,450,000 | $322,500 |
| ASHEVILLE, NC | 21 | $6,035,000 | $287,381 |
| DECATUR, AL | 36 | $5,870,000 | $163,056 |
| CLEVELAND, TN | 35 | $5,685,000 | $162,429 |
| PITTSBURGH, PA | 18 | $5,580,000 | $310,000 |
| NEW ORLEANS-METAIRIE, LA | 20 | $5,500,000 | $275,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 15 | $5,395,000 | $359,667 |
| MOBILE, AL | 46 | $5,390,000 | $117,174 |
| PENSACOLA-FERRY PASS-BRENT, FL | 20 | $5,250,000 | $262,500 |
| OLYMPIA-LACEY-TUMWATER, WA | 17 | $5,245,000 | $308,529 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 20 | $5,220,000 | $261,000 |
| BAKERSFIELD, CA | 20 | $5,210,000 | $260,500 |
| OKLAHOMA CITY, OK | 28 | $5,210,000 | $186,071 |
| GREENSBORO-HIGH POINT, NC | 19 | $5,145,000 | $270,789 |
| GARY, IN | 22 | $5,130,000 | $233,182 |
| MANCHESTER-NASHUA, NH | 14 | $5,090,000 | $363,571 |
| GREELEY, CO | 14 | $4,990,000 | $356,429 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 16 | $4,990,000 | $311,875 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 20 | $4,980,000 | $249,000 |
| LAKELAND-WINTER HAVEN, FL | 25 | $4,975,000 | $199,000 |
| SPOKANE-SPOKANE VALLEY, WA | 17 | $4,915,000 | $289,118 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 21 | $4,765,000 | $226,905 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 17 | $4,755,000 | $279,706 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 16 | $4,740,000 | $296,250 |
| KENNEWICK-RICHLAND, WA | 14 | $4,710,000 | $336,429 |
| BEND, OR | 14 | $4,630,000 | $330,714 |
| LEXINGTON-FAYETTE, KY | 18 | $4,580,000 | $254,444 |
| PANAMA CITY, FL | 16 | $4,520,000 | $282,500 |
| NEW HAVEN-MILFORD, CT | 13 | $4,265,000 | $328,077 |
| MILWAUKEE-WAUKESHA, WI | 16 | $4,220,000 | $263,750 |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT | 16 | $4,210,000 | $263,125 |
| GADSDEN, AL | 31 | $4,205,000 | $135,645 |
| MODESTO, CA | 14 | $4,130,000 | $295,000 |
| BOWLING GREEN, KY | 18 | $4,090,000 | $227,222 |
| DOTHAN, AL | 32 | $4,040,000 | $126,250 |
| KAHULUI-WAILUKU-LAHAINA, HI | 9 | $4,015,000 | $446,111 |
| ANN ARBOR, MI | 14 | $4,010,000 | $286,429 |
| BOSTON, MA | 11 | $3,905,000 | $355,000 |
| PORTLAND-SOUTH PORTLAND, ME | 12 | $3,870,000 | $322,500 |
| MADISON, WI | 11 | $3,865,000 | $351,364 |
| TULSA, OK | 16 | $3,850,000 | $240,625 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 13 | $3,835,000 | $295,000 |
| AKRON, OH | 14 | $3,780,000 | $270,000 |
| PHILADELPHIA, PA | 12 | $3,780,000 | $315,000 |
| WINSTON-SALEM, NC | 16 | $3,770,000 | $235,625 |
| WARNER ROBINS, GA | 17 | $3,745,000 | $220,294 |
| MEDFORD, OR | 12 | $3,720,000 | $310,000 |
| GULFPORT-BILOXI, MS | 20 | $3,650,000 | $182,500 |
| DETROIT-DEARBORN-LIVONIA, MI | 15 | $3,615,000 | $241,000 |
| SALINAS, CA | 8 | $3,590,000 | $448,750 |
| COEUR D'ALENE, ID | 12 | $3,570,000 | $297,500 |
| CHICO, CA | 12 | $3,530,000 | $294,167 |
| PROVIDENCE-WARWICK, RI-MA | 13 | $3,505,000 | $269,615 |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA | 13 | $3,485,000 | $268,077 |
| WILMINGTON, DE-MD-NJ | 13 | $3,455,000 | $265,769 |
| HATTIESBURG, MS | 32 | $3,450,000 | $107,813 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 12 | $3,380,000 | $281,667 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 10 | $3,370,000 | $337,000 |
| PORT ST. LUCIE, FL | 13 | $3,305,000 | $254,231 |
| VISALIA, CA | 14 | $3,230,000 | $230,714 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 8 | $3,220,000 | $402,500 |
| FORT COLLINS, CO | 11 | $3,175,000 | $288,636 |
| BOULDER, CO | 9 | $3,165,000 | $351,667 |
| GRAND RAPIDS-KENTWOOD, MI | 13 | $2,895,000 | $222,692 |
| BILLINGS, MT | 11 | $2,845,000 | $258,636 |
| BATON ROUGE, LA | 11 | $2,765,000 | $251,364 |
| MACON-BIBB COUNTY, GA | 18 | $2,690,000 | $149,444 |
| ELGIN, IL | 9 | $2,645,000 | $293,889 |
| TALLAHASSEE, FL | 12 | $2,610,000 | $217,500 |
| BELLINGHAM, WA | 7 | $2,545,000 | $363,571 |
| SANTA MARIA-SANTA BARBARA, CA | 6 | $2,470,000 | $411,667 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 11 | $2,425,000 | $220,455 |
| CAMDEN, NJ | 11 | $2,425,000 | $220,455 |
| WILMINGTON, NC | 9 | $2,385,000 | $265,000 |
| TRENTON-PRINCETON, NJ | 7 | $2,325,000 | $332,143 |
| HARRISBURG-CARLISLE, PA | 8 | $2,280,000 | $285,000 |
| BRUNSWICK, GA | 8 | $2,260,000 | $282,500 |
| HICKORY-LENOIR-MORGANTON, NC | 8 | $2,190,000 | $273,750 |
| MERCED, CA | 9 | $2,175,000 | $241,667 |
| CHARLOTTESVILLE, VA | 7 | $2,165,000 | $309,286 |
| FLAGSTAFF, AZ | 6 | $2,140,000 | $356,667 |
| GAINESVILLE, GA | 7 | $2,115,000 | $302,143 |
| NAPLES-MARCO ISLAND, FL | 6 | $2,030,000 | $338,333 |
| PUNTA GORDA, FL | 9 | $1,955,000 | $217,222 |
| ALBANY-LEBANON, OR | 8 | $1,950,000 | $243,750 |
| OCALA, FL | 8 | $1,950,000 | $243,750 |
| ANNISTON-OXFORD, AL | 22 | $1,940,000 | $88,182 |
| LINCOLN, NE | 8 | $1,910,000 | $238,750 |
| LAKE HAVASU CITY-KINGMAN, AZ | 7 | $1,905,000 | $272,143 |
| HILTON HEAD ISLAND-BLUFFTON, SC | 7 | $1,885,000 | $269,286 |
| LANCASTER, PA | 7 | $1,875,000 | $267,857 |
| ALBANY, GA | 11 | $1,875,000 | $170,455 |
| DAYTON-KETTERING, OH | 8 | $1,850,000 | $231,250 |
| KALAMAZOO-PORTAGE, MI | 7 | $1,775,000 | $253,571 |
| ST. GEORGE, UT | 5 | $1,745,000 | $349,000 |
| TOLEDO, OH | 7 | $1,685,000 | $240,714 |
| LANSING-EAST LANSING, MI | 7 | $1,655,000 | $236,429 |
| OCEAN CITY, NJ | 7 | $1,645,000 | $235,000 |
| THE VILLAGES, FL | 6 | $1,640,000 | $273,333 |
| NAPA, CA | 4 | $1,590,000 | $397,500 |
| SPRINGFIELD, MA | 5 | $1,585,000 | $317,000 |
| MIDLAND, TX | 3 | $1,555,000 | $518,333 |
| LOGAN, UT-ID | 6 | $1,550,000 | $258,333 |
| LAS CRUCES, NM | 5 | $1,545,000 | $309,000 |
| SAVANNAH, GA | 9 | $1,545,000 | $171,667 |
| LAFAYETTE, LA | 7 | $1,515,000 | $216,429 |
| SANTA CRUZ-WATSONVILLE, CA | 5 | $1,505,000 | $301,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 8 | $1,500,000 | $187,500 |
| WENATCHEE, WA | 5 | $1,495,000 | $299,000 |
| TWIN FALLS, ID | 4 | $1,430,000 | $357,500 |
| ATHENS-CLARKE COUNTY, GA | 4 | $1,430,000 | $357,500 |
| LYNCHBURG, VA | 8 | $1,410,000 | $176,250 |
| KINGSPORT-BRISTOL, TN-VA | 4 | $1,400,000 | $350,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 7 | $1,385,000 | $197,857 |
| HAMMOND, LA | 5 | $1,375,000 | $275,000 |
| FLORENCE, SC | 7 | $1,375,000 | $196,429 |
| MOUNT VERNON-ANACORTES, WA | 4 | $1,360,000 | $340,000 |
| COLUMBUS, IN | 9 | $1,275,000 | $141,667 |
| ELIZABETHTOWN-FORT KNOX, KY | 2 | $1,150,000 | $575,000 |
| VALDOSTA, GA | 6 | $1,140,000 | $190,000 |
| REDDING, CA | 5 | $1,135,000 | $227,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 5 | $1,115,000 | $223,000 |
| MISSOULA, MT | 3 | $1,105,000 | $368,333 |
| ROCHESTER, MN | 4 | $1,100,000 | $275,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 6 | $1,090,000 | $181,667 |
| FARGO, ND-MN | 5 | $1,065,000 | $213,000 |
| GAINESVILLE, FL | 6 | $1,030,000 | $171,667 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 5 | $1,025,000 | $205,000 |
| GRANTS PASS, OR | 4 | $1,000,000 | $250,000 |
| SPRINGFIELD, MO | 4 | $960,000 | $240,000 |
| ODESSA, TX | 4 | $930,000 | $232,500 |
| CHEYENNE, WY | 3 | $925,000 | $308,333 |
| YAKIMA, WA | 3 | $925,000 | $308,333 |
| DES MOINES-WEST DES MOINES, IA | 5 | $915,000 | $183,000 |
| SANTA FE, NM | 5 | $895,000 | $179,000 |
| MCALLEN-EDINBURG-MISSION, TX | 6 | $880,000 | $146,667 |
| WICHITA, KS | 4 | $880,000 | $220,000 |
| CORPUS CHRISTI, TX | 6 | $870,000 | $145,000 |
| WINCHESTER, VA-WV | 3 | $845,000 | $281,667 |
| SIERRA VISTA-DOUGLAS, AZ | 3 | $805,000 | $268,333 |
| YORK-HANOVER, PA | 3 | $785,000 | $261,667 |
| LAWRENCE, KS | 3 | $775,000 | $258,333 |
| TYLER, TX | 8 | $720,000 | $90,000 |
| COLLEGE STATION-BRYAN, TX | 6 | $710,000 | $118,333 |
| WORCESTER, MA-CT | 3 | $695,000 | $231,667 |
| KILLEEN-TEMPLE, TX | 2 | $690,000 | $345,000 |
| AMES, IA | 2 | $690,000 | $345,000 |
| CARSON CITY, NV | 2 | $680,000 | $340,000 |
| JOHNSON CITY, TN | 4 | $680,000 | $170,000 |
| IDAHO FALLS, ID | 3 | $675,000 | $225,000 |
| READING, PA | 3 | $665,000 | $221,667 |
| FORT WAYNE, IN | 4 | $640,000 | $160,000 |
| MANKATO, MN | 2 | $640,000 | $320,000 |
| BUFFALO-CHEEKTOWAGA, NY | 3 | $635,000 | $211,667 |
| RACINE, WI | 3 | $635,000 | $211,667 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 3 | $615,000 | $205,000 |
| OWENSBORO, KY | 3 | $615,000 | $205,000 |
| LEWISTON, ID-WA | 3 | $595,000 | $198,333 |
| YUBA CITY, CA | 2 | $590,000 | $295,000 |
| BARNSTABLE TOWN, MA | 2 | $590,000 | $295,000 |
| WACO, TX | 2 | $580,000 | $290,000 |
| MADERA, CA | 2 | $570,000 | $285,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 2 | $540,000 | $270,000 |
| CORVALLIS, OR | 2 | $540,000 | $270,000 |
| HOUMA-THIBODAUX, LA | 2 | $520,000 | $260,000 |
| GRAND JUNCTION, CO | 2 | $510,000 | $255,000 |
| KINGSTON, NY | 2 | $500,000 | $250,000 |
| SHREVEPORT-BOSSIER CITY, LA | 1 | $485,000 | $485,000 |
| CHARLESTON, WV | 3 | $475,000 | $158,333 |
| ROCHESTER, NY | 2 | $470,000 | $235,000 |
| ROCKY MOUNT, NC | 2 | $470,000 | $235,000 |
| AMARILLO, TX | 2 | $460,000 | $230,000 |
| LA CROSSE-ONALASKA, WI-MN | 1 | $455,000 | $455,000 |
| LAKE CHARLES, LA | 2 | $450,000 | $225,000 |
| BROWNSVILLE-HARLINGEN, TX | 3 | $445,000 | $148,333 |
| MIDLAND, MI | 1 | $445,000 | $445,000 |
| EL CENTRO, CA | 1 | $435,000 | $435,000 |
| GREAT FALLS, MT | 3 | $425,000 | $141,667 |
| PARKERSBURG-VIENNA, WV | 1 | $425,000 | $425,000 |
| SALISBURY, MD-DE | 1 | $425,000 | $425,000 |
| GLENS FALLS, NY | 1 | $415,000 | $415,000 |
| DULUTH, MN-WI | 2 | $400,000 | $200,000 |
| EL PASO, TX | 2 | $400,000 | $200,000 |
| SEBASTIAN-VERO BEACH, FL | 1 | $395,000 | $395,000 |
| JACKSON, MI | 1 | $395,000 | $395,000 |
| GREENVILLE, NC | 2 | $390,000 | $195,000 |
| PEORIA, IL | 1 | $385,000 | $385,000 |
| VICTORIA, TX | 3 | $385,000 | $128,333 |
| GRAND ISLAND, NE | 2 | $370,000 | $185,000 |
| LONGVIEW, WA | 1 | $365,000 | $365,000 |
| GREEN BAY, WI | 2 | $360,000 | $180,000 |
| APPLETON, WI | 2 | $360,000 | $180,000 |
| CARBONDALE-MARION, IL | 1 | $355,000 | $355,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 2 | $350,000 | $175,000 |
| TERRE HAUTE, IN | 1 | $345,000 | $345,000 |
| EAU CLAIRE, WI | 1 | $345,000 | $345,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 2 | $320,000 | $160,000 |
| NEW BERN, NC | 1 | $315,000 | $315,000 |
| KOKOMO, IN | 1 | $315,000 | $315,000 |
| ERIE, PA | 1 | $305,000 | $305,000 |
| TOPEKA, KS | 2 | $300,000 | $150,000 |
| SAGINAW, MI | 1 | $295,000 | $295,000 |
| HANFORD-CORCORAN, CA | 1 | $295,000 | $295,000 |
| CANTON-MASSILLON, OH | 1 | $295,000 | $295,000 |
| LAREDO, TX | 1 | $285,000 | $285,000 |
| SIOUX FALLS, SD | 1 | $285,000 | $285,000 |
| DOVER, DE | 1 | $285,000 | $285,000 |
| FORT SMITH, AR-OK | 1 | $275,000 | $275,000 |
| BAY CITY, MI | 2 | $270,000 | $135,000 |
| BANGOR, ME | 2 | $260,000 | $130,000 |
| ABILENE, TX | 1 | $255,000 | $255,000 |
| GRAND FORKS, ND-MN | 2 | $250,000 | $125,000 |
| WATERTOWN-FORT DRUM, NY | 1 | $245,000 | $245,000 |
| LUBBOCK, TX | 1 | $225,000 | $225,000 |
| JACKSONVILLE, NC | 1 | $225,000 | $225,000 |
| FAIRBANKS, AK | 1 | $225,000 | $225,000 |
| CASPER, WY | 1 | $215,000 | $215,000 |
| STAUNTON, VA | 1 | $215,000 | $215,000 |
| FLINT, MI | 1 | $215,000 | $215,000 |
| ALBANY-SCHENECTADY-TROY, NY | 1 | $215,000 | $215,000 |
| ROCKFORD, IL | 1 | $215,000 | $215,000 |
| NORWICH-NEW LONDON, CT | 1 | $215,000 | $215,000 |
| HINESVILLE, GA | 2 | $210,000 | $105,000 |
| BURLINGTON, NC | 1 | $205,000 | $205,000 |
| PUEBLO, CO | 1 | $205,000 | $205,000 |
| CHAMPAIGN-URBANA, IL | 1 | $205,000 | $205,000 |
| MICHIGAN CITY-LA PORTE, IN | 1 | $205,000 | $205,000 |
| FARMINGTON, NM | 1 | $195,000 | $195,000 |
| GETTYSBURG, PA | 1 | $195,000 | $195,000 |
| WHEELING, WV-OH | 1 | $175,000 | $175,000 |
| JONESBORO, AR | 1 | $175,000 | $175,000 |
| RAPID CITY, SD | 1 | $165,000 | $165,000 |
| OSHKOSH-NEENAH, WI | 1 | $165,000 | $165,000 |
| FAYETTEVILLE, NC | 1 | $155,000 | $155,000 |
| LEWISTON-AUBURN, ME | 1 | $145,000 | $145,000 |
| BLOOMINGTON, IN | 1 | $145,000 | $145,000 |
| SCRANTON--WILKES-BARRE, PA | 1 | $135,000 | $135,000 |
| HOMOSASSA SPRINGS, FL | 1 | $135,000 | $135,000 |
| CEDAR RAPIDS, IA | 1 | $135,000 | $135,000 |
| SAN ANGELO, TX | 1 | $135,000 | $135,000 |
| HARRISONBURG, VA | 1 | $125,000 | $125,000 |
| MONROE, MI | 1 | $125,000 | $125,000 |
| PITTSFIELD, MA | 1 | $125,000 | $125,000 |
| WEIRTON-STEUBENVILLE, WV-OH | 1 | $115,000 | $115,000 |
| BLACKSBURG-CHRISTIANSBURG, VA | 1 | $105,000 | $105,000 |
| MUSKEGON, MI | 3 | $85,000 | $28,333 |
| LONGVIEW, TX | 1 | $85,000 | $85,000 |
| ELKHART-GOSHEN, IN | 3 | $85,000 | $28,333 |
| WILLIAMSPORT, PA | 1 | $75,000 | $75,000 |
| SIOUX CITY, IA-NE-SD | 2 | $50,000 | $25,000 |
| DUBUQUE, IA | 1 | $35,000 | $35,000 |
| SPRINGFIELD, IL | 1 | $15,000 | $15,000 |
Lendors vary in competitiveness at the per market level-- meaning they may have better terms, deals or promotions based on the mortgaged property's location.
Interest Rate & Spreads
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 36 | $680,000 | $18,889 |
| 2.5-3% | 425 | $150,825,000 | $354,882 |
| 3-4% | 7,640 | $2,350,060,000 | $307,599 |
| 4-5% | 4,978 | $1,131,600,000 | $227,320 |
| 5-6% | 1,246 | $214,130,000 | $171,854 |
| 6-7% | 774 | $107,790,000 | $139,264 |
| 7-8% | 379 | $22,855,000 | $60,303 |
| Over 8% | 649 | $35,415,000 | $54,569 |
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 2,737 | $152,015,000 | $55,541 |
| $100k-200k | 3,974 | $606,850,000 | $152,705 |
| $200k-400k | 7,091 | $2,040,535,000 | $287,764 |
| $400k-600k | 2,024 | $934,750,000 | $461,833 |
| $600k-1000k | 263 | $186,155,000 | $707,814 |
| $Over $1MM | 49 | $93,615,000 | $1,910,510 |
Different banks have different objectives. Some banks focus solely on high net worth individuals. Others focus on FHA loans for lower income applicants. Knowing what a bank specializes in allows better optimization given the applicant's financial situation.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 20-40% | 732 | $120,020,000 | $163,962 |
| 40-60% | 1,718 | $459,530,000 | $267,480 |
| 60-80% | 5,505 | $1,596,235,000 | $289,961 |
| 80-100% | 7,431 | $1,734,125,000 | $233,364 |
| Over 100% | 226 | $52,020,000 | $230,177 |
| Under 20% | 512 | $23,720,000 | $46,328 |
LTV, or loan-to-value, is the amount loaned relative to a home's value. Lower LTV lending implies a larger downpayment-- reducing risk to the lendor. FHA loans will nearly always have a higher LTV due to the lower downpayment requirements. Higher LTVs may also mean a bank is charging higher fees or interest rates to compensate for their risk exposure.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-150k | 3,850 | $1,150,510,000 | $298,834 |
| $150k-250k | 2,508 | $870,480,000 | $347,081 |
| $50k-75k | 3,227 | $584,285,000 | $181,061 |
| $50k-or less | 2,766 | $297,390,000 | $107,516 |
| $75k-100k | 2,633 | $631,835,000 | $239,968 |
| $Over $250k | 811 | $350,045,000 | $431,621 |
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan |
|---|---|---|---|
| White | 11,798 | $2,795,820,000 | $236,974 |
| Not provided | 2,266 | $634,410,000 | $279,969 |
| Asian | 873 | $296,125,000 | $339,204 |
| Black | 872 | $154,820,000 | $177,546 |
| Not applicable | 128 | $68,800,000 | $537,500 |
| Asian Indian | 80 | $30,000,000 | $375,000 |
| American Indian | 72 | $18,250,000 | $253,472 |
| Other Asian | 17 | $6,275,000 | $369,118 |
| Native Hawaiian | 11 | $3,135,000 | $285,000 |
| Chinese | 8 | $2,740,000 | $342,500 |
| Vietnamese | 5 | $1,905,000 | $381,000 |
| Korean | 3 | $805,000 | $268,333 |
| Guamanian | 1 | $275,000 | $275,000 |
| Japanese | 1 | $235,000 | $235,000 |
| Filipino | 1 | $205,000 | $205,000 |
| Other Pacific Islander | 1 | $85,000 | $85,000 |
| 1 | $35,000 | $35,000 |
Approval Rates
Total approvals of all applications84.44%
A high approval rate means banks are more selective in who they market to or that they are loosey-goosey with who they lend to. Low approval rates may mean a lendor is more stringent in their lending standards.
Pick Rate
Approvals leading to origination64.29%
A bank's pick rate is how often they are chosen by an applicant once approved. A high pick rate typically means the bank has some sort of advantage-- either the best terms (rates/fees), fastest closing time or even the best customer service. Banks with <75% pick rate may need further investigation as to why they are not more competitive.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 7 | $295,000 | $42,143 |
| 1003.47 | 1 | $55,000 | $55,000 |
| 1003.93 | 1 | $35,000 | $35,000 |
| 1006.58 | 1 | $35,000 | $35,000 |
| 1007.23 | 1 | $55,000 | $55,000 |
| 1008.17 | 1 | $35,000 | $35,000 |
| 1008.98 | 1 | $35,000 | $35,000 |
| 1015.13 | 1 | $55,000 | $55,000 |
| 1021.2 | 1 | $55,000 | $55,000 |
| 1026.06 | 1 | $55,000 | $55,000 |
| 1032.13 | 1 | $35,000 | $35,000 |
| 1032.25 | 1 | $55,000 | $55,000 |
| 1034.55 | 1 | $35,000 | $35,000 |
| 1035.97 | 1 | $55,000 | $55,000 |
| 1037.53 | 1 | $55,000 | $55,000 |
| 1037.7 | 1 | $35,000 | $35,000 |
| 1038.13 | 1 | $55,000 | $55,000 |
| 1042.17 | 1 | $25,000 | $25,000 |
| 1048.6 | 1 | $55,000 | $55,000 |
| 1051.72 | 1 | $55,000 | $55,000 |
| 1055.55 | 1 | $55,000 | $55,000 |
| 1056.36 | 1 | $55,000 | $55,000 |
| 1058.07 | 1 | $25,000 | $25,000 |
| 1060.52 | 1 | $55,000 | $55,000 |
| 1071.71 | 1 | $35,000 | $35,000 |
| 1075.95 | 1 | $55,000 | $55,000 |
| 1077.27 | 1 | $35,000 | $35,000 |
| 1078.3 | 1 | $55,000 | $55,000 |
| 1078.89 | 1 | $55,000 | $55,000 |
| 1080.05 | 1 | $35,000 | $35,000 |
| 1085.15 | 1 | $55,000 | $55,000 |
| 1087.33 | 1 | $35,000 | $35,000 |
| 1087.48 | 1 | $55,000 | $55,000 |
| 1097.4 | 1 | $55,000 | $55,000 |
| 1099.18 | 1 | $35,000 | $35,000 |
| 1100.28 | 1 | $55,000 | $55,000 |
| 1102.49 | 1 | $55,000 | $55,000 |
| 1110.73 | 1 | $55,000 | $55,000 |
| 1111.79 | 1 | $35,000 | $35,000 |
| 1112.53 | 1 | $55,000 | $55,000 |
| 1115.77 | 1 | $55,000 | $55,000 |
| 1117.09 | 1 | $55,000 | $55,000 |
| 1121.61 | 1 | $35,000 | $35,000 |
| 1122.92 | 1 | $55,000 | $55,000 |
| 1135.97 | 1 | $55,000 | $55,000 |
| 1144.13 | 1 | $55,000 | $55,000 |
| 1144.65 | 1 | $35,000 | $35,000 |
| 1149.16 | 1 | $55,000 | $55,000 |
| 1153.1 | 1 | $65,000 | $65,000 |
| 1155.04 | 1 | $45,000 | $45,000 |
| 1160.55 | 1 | $45,000 | $45,000 |
| 1163.08 | 1 | $65,000 | $65,000 |
| 1165.04 | 1 | $65,000 | $65,000 |
| 1165.54 | 1 | $45,000 | $45,000 |
| 1167.84 | 1 | $65,000 | $65,000 |
| 1175.73 | 1 | $65,000 | $65,000 |
| 1178.25 | 1 | $45,000 | $45,000 |
| 1179.27 | 1 | $65,000 | $65,000 |
| 1180.42 | 1 | $65,000 | $65,000 |
| 1188.34 | 1 | $65,000 | $65,000 |
| 1189.79 | 1 | $35,000 | $35,000 |
| 1199.62 | 1 | $45,000 | $45,000 |
| 1205.96 | 1 | $65,000 | $65,000 |
| 1214.11 | 1 | $45,000 | $45,000 |
| 1214.17 | 1 | $35,000 | $35,000 |
| 1217.36 | 1 | $45,000 | $45,000 |
| 1218.13 | 1 | $35,000 | $35,000 |
| 1221.33 | 1 | $45,000 | $45,000 |
| 1225.21 | 1 | $25,000 | $25,000 |
| 1226.1 | 1 | $45,000 | $45,000 |
| 1227.47 | 1 | $25,000 | $25,000 |
| 1229.35 | 1 | $45,000 | $45,000 |
| 1232.23 | 1 | $45,000 | $45,000 |
| 1233.36 | 1 | $65,000 | $65,000 |
| 1237.07 | 1 | $65,000 | $65,000 |
| 1241.66 | 1 | $65,000 | $65,000 |
| 1242.47 | 1 | $45,000 | $45,000 |
| 1242.9 | 1 | $45,000 | $45,000 |
| 1245.93 | 1 | $45,000 | $45,000 |
| 1248.5 | 1 | $65,000 | $65,000 |
| 1252.57 | 1 | $65,000 | $65,000 |
| 1254.53 | 1 | $65,000 | $65,000 |
| 1255.15 | 1 | $35,000 | $35,000 |
| 1257.11 | 1 | $45,000 | $45,000 |
| 1257.53 | 1 | $45,000 | $45,000 |
| 1259.82 | 1 | $45,000 | $45,000 |
| 1262.1 | 1 | $65,000 | $65,000 |
| 1265.59 | 1 | $45,000 | $45,000 |
| 1267.37 | 1 | $45,000 | $45,000 |
| 1270.98 | 1 | $45,000 | $45,000 |
| 1273.32 | 1 | $35,000 | $35,000 |
| 1274.27 | 1 | $35,000 | $35,000 |
| 1276.77 | 1 | $35,000 | $35,000 |
| 1284.56 | 1 | $65,000 | $65,000 |
| 1286.29 | 1 | $35,000 | $35,000 |
| 1290.48 | 1 | $35,000 | $35,000 |
| 1291.63 | 1 | $45,000 | $45,000 |
| 1300.59 | 1 | $35,000 | $35,000 |
| 1306.19 | 1 | $65,000 | $65,000 |
| 1306.63 | 1 | $65,000 | $65,000 |
| 1310.64 | 1 | $45,000 | $45,000 |
| 1314.03 | 1 | $65,000 | $65,000 |
| 1319.05 | 1 | $75,000 | $75,000 |
| 1319.75 | 1 | $35,000 | $35,000 |
| 1326.36 | 1 | $65,000 | $65,000 |
| 1327.18 | 1 | $65,000 | $65,000 |
| 1336.49 | 1 | $65,000 | $65,000 |
| 1338.59 | 1 | $35,000 | $35,000 |
| 1339.89 | 1 | $65,000 | $65,000 |
| 1353.81 | 1 | $75,000 | $75,000 |
| 1354.46 | 1 | $45,000 | $45,000 |
| 1354.59 | 1 | $45,000 | $45,000 |
| 1356.24 | 1 | $75,000 | $75,000 |
| 1360.26 | 1 | $75,000 | $75,000 |
| 1363.06 | 1 | $45,000 | $45,000 |
| 1363.93 | 1 | $35,000 | $35,000 |
| 1363.97 | 1 | $35,000 | $35,000 |
| 1365.1 | 1 | $75,000 | $75,000 |
| 1373.31 | 1 | $75,000 | $75,000 |
| 1374.38 | 1 | $75,000 | $75,000 |
| 1375.62 | 1 | $45,000 | $45,000 |
| 1379.47 | 1 | $35,000 | $35,000 |
| 1388.32 | 1 | $35,000 | $35,000 |
| 1389.04 | 1 | $35,000 | $35,000 |
| 1398.13 | 1 | $75,000 | $75,000 |
| 1403.87 | 1 | $75,000 | $75,000 |
| 1408.78 | 1 | $35,000 | $35,000 |
| 1409.48 | 1 | $35,000 | $35,000 |
| 1411.94 | 1 | $35,000 | $35,000 |
| 1413.08 | 1 | $55,000 | $55,000 |
| 1414.65 | 1 | $35,000 | $35,000 |
| 1416.27 | 1 | $55,000 | $55,000 |
| 1418.86 | 1 | $35,000 | $35,000 |
| 1420.64 | 1 | $35,000 | $35,000 |
| 1425.85 | 1 | $55,000 | $55,000 |
| 1431.07 | 1 | $45,000 | $45,000 |
| 1436.07 | 1 | $55,000 | $55,000 |
| 1436.98 | 1 | $45,000 | $45,000 |
| 1443.59 | 1 | $55,000 | $55,000 |
| 1452.65 | 1 | $35,000 | $35,000 |
| 1453.45 | 1 | $35,000 | $35,000 |
| 1456.82 | 1 | $55,000 | $55,000 |
| 1458.35 | 1 | $55,000 | $55,000 |
| 1462.53 | 1 | $75,000 | $75,000 |
| 1464.63 | 1 | $35,000 | $35,000 |
| 1466.82 | 1 | $35,000 | $35,000 |
| 1469.0 | 1 | $35,000 | $35,000 |
| 1469.06 | 1 | $55,000 | $55,000 |
| 1472.1 | 1 | $35,000 | $35,000 |
| 1472.13 | 1 | $35,000 | $35,000 |
| 1478.2 | 1 | $75,000 | $75,000 |
| 1481.99 | 1 | $75,000 | $75,000 |
| 1482.98 | 1 | $55,000 | $55,000 |
| 1487.35 | 1 | $55,000 | $55,000 |
| 1495.24 | 1 | $55,000 | $55,000 |
| 1495.3 | 1 | $45,000 | $45,000 |
| 1497.3 | 1 | $45,000 | $45,000 |
| 150.0 | 2 | $90,000 | $45,000 |
| 1500.09 | 1 | $45,000 | $45,000 |
| 1500.12 | 1 | $75,000 | $75,000 |
| 1502.48 | 1 | $55,000 | $55,000 |
| 1503.35 | 1 | $55,000 | $55,000 |
| 1504.51 | 1 | $45,000 | $45,000 |
| 1504.64 | 1 | $45,000 | $45,000 |
| 1504.73 | 1 | $45,000 | $45,000 |
| 1517.7 | 1 | $45,000 | $45,000 |
| 1520.25 | 1 | $75,000 | $75,000 |
| 1521.58 | 1 | $35,000 | $35,000 |
| 1526.87 | 1 | $75,000 | $75,000 |
| 1529.03 | 1 | $55,000 | $55,000 |
| 1529.95 | 1 | $45,000 | $45,000 |
| 1532.25 | 1 | $55,000 | $55,000 |
| 1534.48 | 1 | $55,000 | $55,000 |
| 1535.92 | 1 | $45,000 | $45,000 |
| 1540.64 | 1 | $55,000 | $55,000 |
| 1545.99 | 1 | $45,000 | $45,000 |
| 1550.95 | 1 | $85,000 | $85,000 |
| 1555.41 | 1 | $45,000 | $45,000 |
| 1559.77 | 1 | $55,000 | $55,000 |
| 1562.52 | 1 | $55,000 | $55,000 |
| 1567.86 | 1 | $85,000 | $85,000 |
| 1568.54 | 1 | $55,000 | $55,000 |
| 1569.58 | 1 | $45,000 | $45,000 |
| 1569.69 | 1 | $55,000 | $55,000 |
| 1569.93 | 1 | $55,000 | $55,000 |
| 1572.27 | 1 | $45,000 | $45,000 |
| 1572.46 | 1 | $45,000 | $45,000 |
| 1573.67 | 1 | $85,000 | $85,000 |
| 1579.97 | 1 | $55,000 | $55,000 |
| 1583.16 | 1 | $45,000 | $45,000 |
| 1583.74 | 1 | $45,000 | $45,000 |
| 1589.65 | 1 | $55,000 | $55,000 |
| 1591.79 | 1 | $45,000 | $45,000 |
| 1592.37 | 1 | $85,000 | $85,000 |
| 1593.31 | 1 | $55,000 | $55,000 |
| 1593.38 | 1 | $85,000 | $85,000 |
| 1597.09 | 1 | $55,000 | $55,000 |
| 1598.99 | 1 | $55,000 | $55,000 |
| 1599.13 | 1 | $45,000 | $45,000 |
| 1601.54 | 1 | $55,000 | $55,000 |
| 1609.6 | 1 | $55,000 | $55,000 |
| 1610.99 | 1 | $55,000 | $55,000 |
| 1618.52 | 1 | $85,000 | $85,000 |
| 1621.18 | 1 | $45,000 | $45,000 |
| 1621.81 | 1 | $45,000 | $45,000 |
| 1625.33 | 1 | $55,000 | $55,000 |
| 1626.67 | 1 | $55,000 | $55,000 |
| 1627.72 | 1 | $45,000 | $45,000 |
| 1635.2 | 1 | $45,000 | $45,000 |
| 1635.89 | 1 | $45,000 | $45,000 |
| 1637.32 | 1 | $35,000 | $35,000 |
| 1637.99 | 1 | $45,000 | $45,000 |
| 1639.34 | 1 | $35,000 | $35,000 |
| 1640.55 | 1 | $85,000 | $85,000 |
| 1641.75 | 1 | $85,000 | $85,000 |
| 1642.59 | 1 | $45,000 | $45,000 |
| 1644.33 | 1 | $55,000 | $55,000 |
| 1645.82 | 1 | $45,000 | $45,000 |
| 1646.78 | 1 | $55,000 | $55,000 |
| 1651.9 | 1 | $55,000 | $55,000 |
| 1658.79 | 1 | $55,000 | $55,000 |
| 1662.0 | 1 | $85,000 | $85,000 |
| 1666.12 | 1 | $45,000 | $45,000 |
| 1671.29 | 1 | $55,000 | $55,000 |
| 1671.58 | 1 | $45,000 | $45,000 |
| 1676.65 | 1 | $45,000 | $45,000 |
| 1680.89 | 1 | $85,000 | $85,000 |
| 1681.34 | 1 | $55,000 | $55,000 |
| 1683.13 | 1 | $55,000 | $55,000 |
| 1686.41 | 1 | $55,000 | $55,000 |
| 1688.01 | 1 | $55,000 | $55,000 |
| 1688.35 | 1 | $45,000 | $45,000 |
| 1689.11 | 1 | $85,000 | $85,000 |
| 1695.12 | 1 | $55,000 | $55,000 |
| 1695.3 | 1 | $55,000 | $55,000 |
| 1699.18 | 1 | $45,000 | $45,000 |
| 1700.88 | 1 | $85,000 | $85,000 |
| 1701.35 | 1 | $45,000 | $45,000 |
| 1706.76 | 1 | $45,000 | $45,000 |
| 1711.22 | 1 | $55,000 | $55,000 |
| 1716.15 | 1 | $45,000 | $45,000 |
| 1730.32 | 1 | $45,000 | $45,000 |
| 1730.64 | 1 | $85,000 | $85,000 |
| 1732.91 | 1 | $95,000 | $95,000 |
| 1734.15 | 1 | $45,000 | $45,000 |
| 1736.42 | 1 | $45,000 | $45,000 |
| 1742.11 | 1 | $85,000 | $85,000 |
| 1742.29 | 1 | $45,000 | $45,000 |
| 1743.58 | 1 | $45,000 | $45,000 |
| 1754.27 | 1 | $45,000 | $45,000 |
| 1754.81 | 1 | $65,000 | $65,000 |
| 1755.44 | 1 | $85,000 | $85,000 |
| 1756.97 | 1 | $65,000 | $65,000 |
| 1760.02 | 1 | $45,000 | $45,000 |
| 1760.15 | 1 | $45,000 | $45,000 |
| 1760.25 | 1 | $45,000 | $45,000 |
| 1761.92 | 1 | $95,000 | $95,000 |
| 1763.39 | 1 | $45,000 | $45,000 |
| 1763.41 | 1 | $95,000 | $95,000 |
| 1763.76 | 1 | $45,000 | $45,000 |
| 1766.54 | 1 | $65,000 | $65,000 |
| 1768.15 | 1 | $45,000 | $45,000 |
| 1770.05 | 1 | $95,000 | $95,000 |
| 1771.76 | 1 | $45,000 | $45,000 |
| 1773.07 | 1 | $45,000 | $45,000 |
| 1775.69 | 1 | $45,000 | $45,000 |
| 1777.41 | 1 | $65,000 | $65,000 |
| 1779.68 | 1 | $65,000 | $65,000 |
| 1779.72 | 1 | $65,000 | $65,000 |
| 1781.7 | 1 | $65,000 | $65,000 |
| 1792.5 | 1 | $65,000 | $65,000 |
| 1796.1 | 1 | $45,000 | $45,000 |
| 1798.57 | 1 | $95,000 | $95,000 |
| 1805.57 | 1 | $45,000 | $45,000 |
| 1806.01 | 1 | $65,000 | $65,000 |
| 1807.06 | 1 | $45,000 | $45,000 |
| 1810.25 | 1 | $45,000 | $45,000 |
| 1813.59 | 1 | $95,000 | $95,000 |
| 1814.13 | 1 | $65,000 | $65,000 |
| 1820.72 | 1 | $45,000 | $45,000 |
| 1829.84 | 1 | $45,000 | $45,000 |
| 1830.43 | 1 | $45,000 | $45,000 |
| 1831.08 | 1 | $65,000 | $65,000 |
| 1832.47 | 1 | $45,000 | $45,000 |
| 1836.35 | 1 | $45,000 | $45,000 |
| 1840.8 | 1 | $45,000 | $45,000 |
| 1841.52 | 1 | $95,000 | $95,000 |
| 1845.35 | 1 | $65,000 | $65,000 |
| 1845.98 | 1 | $65,000 | $65,000 |
| 1846.73 | 1 | $45,000 | $45,000 |
| 1850.61 | 1 | $65,000 | $65,000 |
| 1853.35 | 1 | $45,000 | $45,000 |
| 1854.39 | 1 | $45,000 | $45,000 |
| 1857.88 | 1 | $55,000 | $55,000 |
| 1858.12 | 1 | $55,000 | $55,000 |
| 1863.27 | 1 | $45,000 | $45,000 |
| 1866.45 | 1 | $55,000 | $55,000 |
| 1870.06 | 1 | $65,000 | $65,000 |
| 1872.55 | 1 | $45,000 | $45,000 |
| 1875.06 | 1 | $45,000 | $45,000 |
| 1881.63 | 1 | $65,000 | $65,000 |
| 1883.79 | 1 | $55,000 | $55,000 |
| 1887.19 | 1 | $55,000 | $55,000 |
| 1889.03 | 1 | $65,000 | $65,000 |
| 1892.68 | 1 | $65,000 | $65,000 |
| 1904.48 | 1 | $95,000 | $95,000 |
| 1908.87 | 1 | $55,000 | $55,000 |
| 1909.98 | 1 | $55,000 | $55,000 |
| 1914.84 | 1 | $55,000 | $55,000 |
| 1916.27 | 1 | $55,000 | $55,000 |
| 1922.59 | 1 | $65,000 | $65,000 |
| 1942.92 | 1 | $65,000 | $65,000 |
| 1943.47 | 1 | $45,000 | $45,000 |
| 194.52 | 1 | $25,000 | $25,000 |
| 1945.25 | 1 | $55,000 | $55,000 |
| 1947.34 | 1 | $55,000 | $55,000 |
| 1947.65 | 1 | $55,000 | $55,000 |
| 195.0 | 3 | $35,000 | $11,667 |
| 1951.82 | 1 | $45,000 | $45,000 |
| 1951.96 | 1 | $105,000 | $105,000 |
| 1951.98 | 1 | $55,000 | $55,000 |
| 1958.25 | 1 | $55,000 | $55,000 |
| 1961.65 | 1 | $55,000 | $55,000 |
| 1963.92 | 1 | $55,000 | $55,000 |
| 1965.02 | 1 | $55,000 | $55,000 |
| 1968.05 | 1 | $55,000 | $55,000 |
| 1969.78 | 1 | $65,000 | $65,000 |
| 1984.34 | 1 | $55,000 | $55,000 |
| 1984.55 | 1 | $55,000 | $55,000 |
| 1985.49 | 1 | $55,000 | $55,000 |
| 1991.59 | 1 | $55,000 | $55,000 |
| 1999.45 | 1 | $55,000 | $55,000 |
| 2004.56 | 1 | $55,000 | $55,000 |
| 2006.51 | 1 | $65,000 | $65,000 |
| 2012.48 | 1 | $75,000 | $75,000 |
| 2013.48 | 1 | $55,000 | $55,000 |
| 2019.63 | 1 | $75,000 | $75,000 |
| 2026.9 | 1 | $75,000 | $75,000 |
| 2038.6 | 1 | $75,000 | $75,000 |
| 2048.51 | 1 | $75,000 | $75,000 |
| 2054.75 | 1 | $55,000 | $55,000 |
| 2067.15 | 1 | $55,000 | $55,000 |
| 2068.16 | 1 | $75,000 | $75,000 |
| 2068.53 | 1 | $55,000 | $55,000 |
| 2074.29 | 1 | $75,000 | $75,000 |
| 207.84 | 1 | $25,000 | $25,000 |
| 2082.65 | 1 | $75,000 | $75,000 |
| 2083.42 | 1 | $75,000 | $75,000 |
| 2090.7 | 1 | $55,000 | $55,000 |
| 2100.96 | 1 | $55,000 | $55,000 |
| 2105.46 | 1 | $75,000 | $75,000 |
| 2105.78 | 1 | $55,000 | $55,000 |
| 2111.87 | 1 | $55,000 | $55,000 |
| 2113.62 | 1 | $55,000 | $55,000 |
| 2119.63 | 1 | $75,000 | $75,000 |
| 2121.8 | 1 | $55,000 | $55,000 |
| 2123.67 | 1 | $105,000 | $105,000 |
| 2126.29 | 1 | $55,000 | $55,000 |
| 2127.99 | 1 | $75,000 | $75,000 |
| 2128.54 | 1 | $55,000 | $55,000 |
| 2146.1 | 1 | $55,000 | $55,000 |
| 2149.53 | 1 | $55,000 | $55,000 |
| 2159.2 | 1 | $115,000 | $115,000 |
| 2160.67 | 1 | $75,000 | $75,000 |
| 216.4 | 1 | $15,000 | $15,000 |
| 2166.09 | 1 | $55,000 | $55,000 |
| 2173.9 | 1 | $55,000 | $55,000 |
| 2176.02 | 1 | $55,000 | $55,000 |
| 217.83 | 1 | $25,000 | $25,000 |
| 2182.59 | 1 | $55,000 | $55,000 |
| 2185.38 | 1 | $55,000 | $55,000 |
| 2186.52 | 1 | $75,000 | $75,000 |
| 2201.37 | 1 | $55,000 | $55,000 |
| 2203.69 | 1 | $65,000 | $65,000 |
| 2205.99 | 1 | $55,000 | $55,000 |
| 2209.03 | 1 | $55,000 | $55,000 |
| 2210.73 | 1 | $75,000 | $75,000 |
| 2217.14 | 1 | $75,000 | $75,000 |
| 2223.11 | 1 | $115,000 | $115,000 |
| 223.82 | 1 | $25,000 | $25,000 |
| 2240.36 | 1 | $75,000 | $75,000 |
| 2248.43 | 1 | $75,000 | $75,000 |
| 2253.34 | 1 | $65,000 | $65,000 |
| 2260.94 | 1 | $75,000 | $75,000 |
| 2261.8 | 1 | $55,000 | $55,000 |
| 2262.82 | 1 | $55,000 | $55,000 |
| 2267.29 | 1 | $65,000 | $65,000 |
| 2273.59 | 1 | $55,000 | $55,000 |
| 2273.79 | 2 | $150,000 | $75,000 |
| 2276.77 | 1 | $65,000 | $65,000 |
| 2277.82 | 1 | $65,000 | $65,000 |
| 2282.34 | 1 | $65,000 | $65,000 |
| 2310.54 | 1 | $85,000 | $85,000 |
| 2312.04 | 1 | $65,000 | $65,000 |
| 2323.74 | 1 | $85,000 | $85,000 |
| 2324.8 | 1 | $85,000 | $85,000 |
| 2325.53 | 1 | $65,000 | $65,000 |
| 2329.3 | 1 | $65,000 | $65,000 |
| 2332.21 | 1 | $65,000 | $65,000 |
| 2332.99 | 1 | $85,000 | $85,000 |
| 2335.35 | 1 | $65,000 | $65,000 |
| 2339.17 | 1 | $65,000 | $65,000 |
| 2346.76 | 1 | $55,000 | $55,000 |
| 2347.81 | 1 | $85,000 | $85,000 |
| 2348.13 | 1 | $65,000 | $65,000 |
| 2349.23 | 1 | $85,000 | $85,000 |
| 2353.43 | 1 | $85,000 | $85,000 |
| 2357.43 | 1 | $125,000 | $125,000 |
| 2366.61 | 1 | $85,000 | $85,000 |
| 2376.83 | 1 | $65,000 | $65,000 |
| 2376.88 | 1 | $65,000 | $65,000 |
| 2380.71 | 1 | $65,000 | $65,000 |
| 2380.89 | 1 | $65,000 | $65,000 |
| 2385.23 | 1 | $65,000 | $65,000 |
| 2387.8 | 1 | $65,000 | $65,000 |
| 2389.46 | 1 | $125,000 | $125,000 |
| 2392.55 | 1 | $65,000 | $65,000 |
| 2399.09 | 1 | $65,000 | $65,000 |
| 2400.08 | 1 | $65,000 | $65,000 |
| 2405.35 | 1 | $85,000 | $85,000 |
| 2416.83 | 1 | $65,000 | $65,000 |
| 2420.98 | 1 | $65,000 | $65,000 |
| 2422.53 | 1 | $65,000 | $65,000 |
| 2455.6 | 1 | $65,000 | $65,000 |
| 2456.22 | 1 | $65,000 | $65,000 |
| 2463.44 | 1 | $65,000 | $65,000 |
| 2477.94 | 1 | $125,000 | $125,000 |
| 2484.56 | 1 | $125,000 | $125,000 |
| 2525.99 | 1 | $65,000 | $65,000 |
| 2533.24 | 1 | $65,000 | $65,000 |
| 2534.72 | 1 | $65,000 | $65,000 |
| 2541.14 | 1 | $65,000 | $65,000 |
| 2559.82 | 1 | $85,000 | $85,000 |
| 2586.29 | 1 | $65,000 | $65,000 |
| 2592.92 | 1 | $95,000 | $95,000 |
| 259.3 | 1 | $25,000 | $25,000 |
| 2598.39 | 1 | $65,000 | $65,000 |
| 2629.04 | 1 | $65,000 | $65,000 |
| 2633.7 | 1 | $75,000 | $75,000 |
| 2670.33 | 1 | $95,000 | $95,000 |
| 2692.76 | 1 | $65,000 | $65,000 |
| 2709.47 | 1 | $135,000 | $135,000 |
| 2714.71 | 1 | $95,000 | $95,000 |
| 2728.15 | 1 | $75,000 | $75,000 |
| 2800.6 | 1 | $75,000 | $75,000 |
| 2810.6 | 1 | $75,000 | $75,000 |
| 2829.89 | 1 | $75,000 | $75,000 |
| 2831.12 | 1 | $95,000 | $95,000 |
| 2837.92 | 1 | $85,000 | $85,000 |
| 2856.17 | 1 | $85,000 | $85,000 |
| 2856.54 | 1 | $95,000 | $95,000 |
| 2860.89 | 1 | $75,000 | $75,000 |
| 2863.51 | 1 | $105,000 | $105,000 |
| 286.56 | 1 | $35,000 | $35,000 |
| 288.1 | 1 | $25,000 | $25,000 |
| 296.55 | 1 | $15,000 | $15,000 |
| 2968.64 | 1 | $85,000 | $85,000 |
| 2978.25 | 1 | $75,000 | $75,000 |
| 2988.87 | 1 | $75,000 | $75,000 |
| 2999.01 | 1 | $75,000 | $75,000 |
| 299.97 | 1 | $35,000 | $35,000 |
| 3006.1 | 1 | $155,000 | $155,000 |
| 302.62 | 1 | $15,000 | $15,000 |
| 3034.67 | 1 | $85,000 | $85,000 |
| 3036.13 | 1 | $85,000 | $85,000 |
| 3058.89 | 1 | $85,000 | $85,000 |
| 3059.06 | 1 | $85,000 | $85,000 |
| 3071.5 | 1 | $95,000 | $95,000 |
| 3154.1 | 1 | $165,000 | $165,000 |
| 317.15 | 1 | $35,000 | $35,000 |
| 319.64 | 1 | $35,000 | $35,000 |
| 333.13 | 1 | $35,000 | $35,000 |
| 341.97 | 1 | $35,000 | $35,000 |
| 3527.52 | 1 | $135,000 | $135,000 |
| 353.26 | 1 | $15,000 | $15,000 |
| 355.27 | 1 | $35,000 | $35,000 |
| 356.26 | 1 | $35,000 | $35,000 |
| 356.99 | 1 | $15,000 | $15,000 |
| 3765.0 | 1 | $145,000 | $145,000 |
| 377.56 | 1 | $35,000 | $35,000 |
| 410.99 | 1 | $45,000 | $45,000 |
| 423.68 | 1 | $45,000 | $45,000 |
| 424.58 | 1 | $25,000 | $25,000 |
| 426.27 | 1 | $45,000 | $45,000 |
| 468.7 | 1 | $25,000 | $25,000 |
| 469.18 | 1 | $45,000 | $45,000 |
| 483.1 | 1 | $25,000 | $25,000 |
| 495.32 | 1 | $55,000 | $55,000 |
| 503.72 | 1 | $15,000 | $15,000 |
| 505.95 | 1 | $25,000 | $25,000 |
| 507.88 | 1 | $25,000 | $25,000 |
| 508.46 | 1 | $15,000 | $15,000 |
| 512.72 | 1 | $55,000 | $55,000 |
| 515.2 | 1 | $15,000 | $15,000 |
| 526.59 | 1 | $55,000 | $55,000 |
| 538.26 | 1 | $25,000 | $25,000 |
| 542.91 | 1 | $15,000 | $15,000 |
| 550.0 | 1 | $105,000 | $105,000 |
| 551.32 | 1 | $15,000 | $15,000 |
| 561.64 | 1 | $25,000 | $25,000 |
| 563.37 | 1 | $25,000 | $25,000 |
| 569.35 | 1 | $55,000 | $55,000 |
| 580.7 | 1 | $55,000 | $55,000 |
| 589.86 | 1 | $25,000 | $25,000 |
| 622.6 | 1 | $35,000 | $35,000 |
| 632.55 | 1 | $65,000 | $65,000 |
| 634.52 | 1 | $35,000 | $35,000 |
| 634.53 | 1 | $35,000 | $35,000 |
| 634.83 | 1 | $35,000 | $35,000 |
| 638.13 | 1 | $35,000 | $35,000 |
| 639.72 | 1 | $35,000 | $35,000 |
| 645.0 | 1 | $25,000 | $25,000 |
| 658.2 | 1 | $35,000 | $35,000 |
| 663.7 | 1 | $35,000 | $35,000 |
| 665.18 | 1 | $15,000 | $15,000 |
| 667.88 | 1 | $35,000 | $35,000 |
| 668.58 | 1 | $35,000 | $35,000 |
| 669.84 | 1 | $35,000 | $35,000 |
| 677.69 | 1 | $25,000 | $25,000 |
| 681.04 | 1 | $35,000 | $35,000 |
| 685.28 | 1 | $15,000 | $15,000 |
| 691.85 | 1 | $35,000 | $35,000 |
| 697.25 | 1 | $35,000 | $35,000 |
| 697.54 | 1 | $35,000 | $35,000 |
| 699.08 | 1 | $75,000 | $75,000 |
| 713.88 | 1 | $35,000 | $35,000 |
| 717.5 | 1 | $35,000 | $35,000 |
| 718.6 | 1 | $15,000 | $15,000 |
| 738.34 | 1 | $25,000 | $25,000 |
| 738.56 | 1 | $35,000 | $35,000 |
| 743.94 | 1 | $35,000 | $35,000 |
| 745.26 | 1 | $25,000 | $25,000 |
| 750.29 | 1 | $25,000 | $25,000 |
| 755.5 | 1 | $35,000 | $35,000 |
| 759.5 | 1 | $35,000 | $35,000 |
| 762.24 | 1 | $35,000 | $35,000 |
| 764.94 | 1 | $35,000 | $35,000 |
| 775.74 | 1 | $45,000 | $45,000 |
| 776.33 | 1 | $45,000 | $45,000 |
| 780.12 | 1 | $45,000 | $45,000 |
| 789.66 | 1 | $45,000 | $45,000 |
| 790.07 | 1 | $45,000 | $45,000 |
| 790.54 | 1 | $25,000 | $25,000 |
| 800.0 | 148 | $5,240,000 | $35,405 |
| 805.3 | 1 | $45,000 | $45,000 |
| 805.49 | 1 | $45,000 | $45,000 |
| 811.56 | 1 | $45,000 | $45,000 |
| 815.75 | 1 | $45,000 | $45,000 |
| 825.13 | 1 | $25,000 | $25,000 |
| 850.3 | 1 | $45,000 | $45,000 |
| 851.71 | 1 | $45,000 | $45,000 |
| 851.84 | 1 | $25,000 | $25,000 |
| 863.83 | 1 | $35,000 | $35,000 |
| 870.58 | 1 | $45,000 | $45,000 |
| 875.3 | 1 | $45,000 | $45,000 |
| 875.56 | 1 | $45,000 | $45,000 |
| 881.94 | 1 | $45,000 | $45,000 |
| 883.06 | 1 | $35,000 | $35,000 |
| 883.24 | 1 | $35,000 | $35,000 |
| 886.56 | 1 | $45,000 | $45,000 |
| 900.0 | 1 | $35,000 | $35,000 |
| 902.49 | 1 | $35,000 | $35,000 |
| 910.07 | 1 | $45,000 | $45,000 |
| 916.21 | 1 | $35,000 | $35,000 |
| 918.16 | 1 | $35,000 | $35,000 |
| 924.56 | 1 | $35,000 | $35,000 |
| 930.7 | 1 | $45,000 | $45,000 |
| 932.61 | 1 | $35,000 | $35,000 |
| 942.94 | 1 | $25,000 | $25,000 |
| 950.0 | 101 | $6,965,000 | $68,960 |
| 952.58 | 1 | $45,000 | $45,000 |
| 953.84 | 1 | $35,000 | $35,000 |
| 957.64 | 1 | $45,000 | $45,000 |
| 969.69 | 1 | $55,000 | $55,000 |
| 969.75 | 1 | $55,000 | $55,000 |
| 971.07 | 1 | $55,000 | $55,000 |
| 972.08 | 1 | $55,000 | $55,000 |
| 984.5 | 1 | $25,000 | $25,000 |
| 991.91 | 1 | $55,000 | $55,000 |
| 999.27 | 1 | $55,000 | $55,000 |
| NA | 15,301 | $3,969,665,000 | $259,438 |
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 9,133 | $2,612,935,000 | $286,098 |
| $1k-2k | 2,052 | $460,280,000 | $224,308 |
| $2k-3k | 1,254 | $259,290,000 | $206,770 |
| $3k-4k | 822 | $231,350,000 | $281,448 |
| $5k+ | 217 | $95,345,000 | $439,378 |
Banks make money on their float/interest spread (fees charged to borrowers vs fees they pay for their capital), for servicing loans, as well as charging origination fees when a loan is disbursed. Modern low-cost efficient lendors can have fees totaling less than $500 for many mortgages-- as low as $250 in some cases. Average lendors will be in the $1k-2k range and high cost lendors will be even more. The costs incurred by the bank will be similar no matter the loan amount, so this is to be viewed as a profit center for most banks.
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Manufactured | 18 | $42,910,000 | $2,383,889 |
| Multifamily:Site-Built | 23 | $12,305,000 | $535,000 |
| Single Family (1-4 Units):Manufactured | 1,088 | $60,240,000 | $55,368 |
| Single Family (1-4 Units):Site-Built | 15,009 | $3,898,465,000 | $259,742 |