Sre Mortgage Alliance Rates, Fees & Info
SACRAMENTO, CALEI: 549300OEXPP23JR0L272
Tax ID: 95-4462959
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Mortgage Data
Review & Overview
Sre Mortgage Alliance is a smaller mortgage company specializing in Home Purchase and Refi loans. Sre Mortgage Alliance 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 by origination volume include: Los Angeles, Sacramento, Dallas, San Diego, and Santa Fe among others. We have data for 46 markets. (Some data included below & more in-depth data is available with an active subscription.)Sre Mortgage Alliance 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. Sre Mortgage Alliance 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.
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Originations
387Origination Dollar Volume (All Markets)
$131,015,000Awards
SRE MORTGAGE ALLIANCE - 2019
SRE MORTGAGE ALLIANCE is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 84 | $37,720,000 | $449,048 | $5,883 | 4.16% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 53 | $17,685,000 | $333,679 | $7,581 | 4.21% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 66 | $15,690,000 | $237,727 | $8,162 | 4.82% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 29 | $13,605,000 | $469,138 | $8,223 | 4.00% |
| SANTA FE, NM (FHA|USDA|VA) | 31 | $9,305,000 | $300,161 | $4,459 | 4.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 22 | $6,930,000 | $315,000 | $7,955 | 4.22% |
| VALLEJO, CA (FHA|USDA|VA) | 13 | $4,595,000 | $353,462 | $5,418 | 4.50% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8 | $3,820,000 | $477,500 | $4,718 | 4.03% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $6,581 | 4.77% |
| YUBA CITY, CA (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $6,157 | 4.52% |
| CHICO, CA (FHA|USDA|VA) | 6 | $1,370,000 | $228,333 | $4,567 | 4.54% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $3,602 | 3.92% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $3,191 | 3.70% |
| VICTORIA, TX (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $7,596 | 5.00% |
| Los Alamos, NM (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $10,076 | 3.58% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $6,851 | 4.29% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $3,483 | 3.75% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $10,637 | 5.25% |
| REDDING, CA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,673 | 3.88% |
| SALEM, OR (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $4,094 | 4.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $9,649 | 4.67% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,826 | 4.56% |
| Red Bluff, CA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $4,049 | 5.04% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,497 | 4.88% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,259 | 4.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,210 | 4.88% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,426 | 4.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $10,474 | 5.25% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,837 | 4.00% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,105 | 4.50% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,565 | 4.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,097 | 4.63% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,463 | 4.00% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $15,761 | 5.13% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,237 | 4.50% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,966 | 4.38% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,958 | 4.75% |
| Shelton, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,699 | 4.00% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,019 | 4.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,053 | 3.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,792 | 3.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,157 | 4.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,000 | 4.00% |
| Outside of Metro Areas | 1 | $145,000 | $145,000 | $7,048 | 4.13% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,499 | 4.88% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,444 | 4.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against SRE MORTGAGE ALLIANCE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2019, Sre Mortgage Alliance's most frequently originated type of loan was Conventional, with 263 originations. Their 2nd most popular type was FHA, with 84 originations.
Loan Reason
For 2019, Sre Mortgage Alliance's most frequently cited loan purpose was Home Purchase, with 204 originations. The 2nd most popular reason was Refi, with 172 originations.
Loan Duration/Length
For 2019, Sre Mortgage Alliance's most frequently cited loan duration was 30 Year, with 368 originations. The 2nd most popular length was 20 Year, with 8 originations.
Origination Fees/Closing Costs
Sre Mortgage Alliance's average total fees were $6,715, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 203 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 180 | $60,100,000 | $333,889 |
| 3-4% | 147 | $54,085,000 | $367,925 |
| 5-6% | 58 | $16,160,000 | $278,621 |
| 2.5-3% | 2 | $670,000 | $335,000 |
During 2019, Sre Mortgage Alliance's average interest rate for loans was 4.37%, while their most frequently originated rate bucket for loans was 4-5%, with 180 originations.
Loan Sizing
2019 saw Sre Mortgage Alliance place emphasis on $200k-400k loans with 203 originations, totaling $60,385,000 in origination value.
Applicant Income
Sre Mortgage Alliance lent most frequently to those with incomes in the $100k-150k range, with 108 originations. The second most popular income band? $50k-75k, with 89 originations.
Applicant Debt to Income Ratio
Sre Mortgage Alliance lent most frequently to those with DTI ratios of 20-30%, with 54 originations. The next most common DTI ratio? 30-36%, with 52 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.46%
Sre Mortgage Alliance has an average approval rate.
Pick Rate
Approvals leading to origination67.70%
Sre Mortgage Alliance has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 387 | $131,015,000 | $338,540 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 6 | $1,410,000 | $235,000 |
| Single Family (1-4 Units):Site-Built | 381 | $129,605,000 | $340,171 |