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 Refi loans. Sre Mortgage Alliance has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) 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: Los Angeles, San Diego, Riverside, San Francisco, and Denver among others. We have data for 88 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
953Origination Dollar Volume (All Markets)
$357,035,000Awards
SRE MORTGAGE ALLIANCE - 2020
SRE MORTGAGE ALLIANCE is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 194 | $87,810,000 | $452,629 | $5,879 | 3.03% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 92 | $42,690,000 | $464,022 | $7,207 | 2.84% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 68 | $24,520,000 | $360,588 | $5,207 | 2.84% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 50 | $24,100,000 | $482,000 | $4,228 | 2.80% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 38 | $14,730,000 | $387,632 | $4,857 | 2.77% |
| SANTA FE, NM (FHA|USDA|VA) | 40 | $13,230,000 | $330,750 | $3,711 | 3.54% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 42 | $13,210,000 | $314,524 | $4,997 | 2.99% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 26 | $13,040,000 | $501,538 | $3,765 | 2.83% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 31 | $11,735,000 | $378,548 | $5,027 | 2.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 30 | $9,190,000 | $306,333 | $3,943 | 2.86% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 41 | $8,935,000 | $217,927 | $3,748 | 2.83% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 26 | $7,400,000 | $284,615 | $4,610 | 3.05% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 18 | $6,160,000 | $342,222 | $4,268 | 2.53% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 16 | $5,780,000 | $361,250 | $3,834 | 2.93% |
| PROVO-OREM, UT (FHA|USDA|VA) | 18 | $5,410,000 | $300,556 | $4,349 | 2.90% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 13 | $4,785,000 | $368,077 | $4,903 | 3.12% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $4,205,000 | $467,222 | $4,588 | 2.78% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 13 | $3,675,000 | $282,692 | $5,169 | 2.80% |
| VALLEJO, CA (FHA|USDA|VA) | 10 | $3,400,000 | $340,000 | $3,488 | 2.80% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $3,155,000 | $450,714 | $5,251 | 2.86% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 7 | $2,695,000 | $385,000 | $4,300 | 3.11% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 8 | $2,250,000 | $281,250 | $5,533 | 2.72% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $2,245,000 | $449,000 | $4,850 | 2.75% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $2,225,000 | $445,000 | $4,764 | 2.78% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $2,160,000 | $540,000 | $7,547 | 2.56% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 11 | $2,115,000 | $192,273 | $5,214 | 3.34% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $3,394 | 2.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $1,815,000 | $363,000 | $7,515 | 2.63% |
| MADERA, CA (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $7,558 | 2.53% |
| ST. GEORGE, UT (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $3,166 | 3.03% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $3,110 | 2.44% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $3,563 | 2.84% |
| KNOXVILLE, TN (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $3,126 | 2.70% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $3,154 | 2.72% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $3,648 | 3.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $4,670 | 2.53% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $7,230 | 3.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $9,597 | 2.58% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $3,543 | 2.95% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $3,789 | 2.78% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $3,551 | 2.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $3,292 | 2.75% |
| Outside of Metro Areas | 3 | $785,000 | $261,667 | $3,549 | 2.75% |
| Heber, UT (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $5,922 | 3.06% |
| Sonora, CA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,682 | 2.63% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,645 | 3.00% |
| PUEBLO, CO (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,226 | 2.88% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $1,132 | 2.25% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,221 | 3.31% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,975 | 2.94% |
| Edwards, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,227 | 2.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,616 | 2.75% |
| BEND, OR (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,026 | 2.81% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $7,066 | 2.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,044 | 3.50% |
| Astoria, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,454 | 2.25% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,503 | 3.69% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,733 | 2.25% |
| MERCED, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,711 | 3.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,448 | 3.06% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,677 | 2.25% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,278 | 2.50% |
| Athens, TN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,386 | 2.81% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,730 | 2.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,264 | 3.25% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,500 | 3.00% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,928 | 2.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,578 | 3.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,718 | 2.38% |
| CHICO, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,122 | 3.50% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,406 | 2.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,555 | 2.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,669 | 3.00% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,127 | 2.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,339 | 3.25% |
| Brookings, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,725 | 3.38% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 2.50% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,224 | 2.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,035 | 2.88% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,663 | 2.75% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,040 | 2.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,621 | 4.50% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,888 | 2.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,666 | 2.75% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,231 | 3.38% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,145 | 2.45% |
| Adrian, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,563 | 3.13% |
| Pella, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,085 | 4.50% |
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 2020, Sre Mortgage Alliance's most frequently originated type of loan was Conventional, with 626 originations. Their 2nd most popular type was VA, with 290 originations.
Loan Reason
For 2020, Sre Mortgage Alliance's most frequently cited loan purpose was Refi, with 628 originations. The 2nd most popular reason was Cash Out Refi, with 195 originations.
Loan Duration/Length
For 2020, Sre Mortgage Alliance's most frequently cited loan duration was 30 Year, with 842 originations. The 2nd most popular length was 15 Year, with 73 originations.
Origination Fees/Closing Costs
Sre Mortgage Alliance's average total fees were $5,111, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 358 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 475 | $177,925,000 | $374,579 |
| 3-4% | 281 | $93,405,000 | $332,402 |
| <2.5% | 183 | $80,515,000 | $439,973 |
| 4-5% | 12 | $4,730,000 | $394,167 |
| 6-7% | 1 | $175,000 | $175,000 |
During 2020, Sre Mortgage Alliance's average interest rate for loans was 2.95%, while their most frequently originated rate bucket for loans was 2.5-3%, with 475 originations.
Loan Sizing
2020 saw Sre Mortgage Alliance place emphasis on $200k-400k loans with 464 originations, totaling $140,680,000 in origination value.
Applicant Income
Sre Mortgage Alliance lent most frequently to those with incomes in the $50k or less range, with 286 originations. The second most popular income band? $100k-150k, with 213 originations.
Applicant Debt to Income Ratio
Sre Mortgage Alliance lent most frequently to those with DTI ratios of 20-30%, with 189 originations. The next most common DTI ratio? 30-36%, with 135 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.84%
Sre Mortgage Alliance has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination39.77%
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 |
|---|---|---|---|
| 250.0 | 1 | $45,000 | $45,000 |
| NA | 952 | $356,990,000 | $374,989 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 4 | $960,000 | $240,000 |
| Single Family (1-4 Units):Site-Built | 949 | $356,075,000 | $375,211 |