Cis Financial Services Mortgage Rates, Fees & Info

HAMILTON, AL

LEI: 549300OSY236S7MBKO83

Tax ID: 63-1052225

2.2 stars - Updated: 2/26/24 - out of 5 stars, based on 22 reviews

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

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Mortgage Data

Review & Overview

Cis Financial Services is a smaller mortgage company specializing in Home Purchase loans. Cis Financial Services 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: Hickory, Nashville, Birmingham, Florence, and Tuscaloosa among others. We have data for 113 markets. (Some data included below & more in-depth data is available with an active subscription.)

Cis Financial Services has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cis Financial Services 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 relatively high 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 7.23% 2/26/24
30 Year Conventional Refi 6.92% 2/26/24
30 Year Cash-out Refi 6.77% 2/26/24
30 Year FHA Purchase 7.87% 2/26/24
30 Year FHA Refi 7.80% 2/26/24
30 Year VA Purchase 5.60% 2/26/24
30 Year VA Refi 6.86% 2/26/24
30 Year USDA Purchase 7.18% 2/26/24
15 Year Conventional Purchase 7.18% 2/26/24
15 Year Conventional Refi 6.58% 2/26/24
15 Year Cash-out Refi 6.58% 2/26/24
15 Year VA Purchase 5.68% 2/26/24
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.

Cis Financial Services Mortgage Calculator






Your Estimates

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

This is not an official calculator from Cis Financial Services. 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

477

Origination Dollar Volume (All Markets)

$74,635,000

Awards

CIS Financial Services 30 Year Conventional Loans gold CIS Financial Services 30 Year Conventional Loans gold CIS Financial Services USDA Loans bronze
Show all (3) awards

Relative Rate

Cis Financial Services's average 30 year fixed mortgage rate was 5.32%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.56%.

Relative Fees (Closing Costs)

Cis Financial Services's average total fees/closing costs for a 30 year fixed rate mortgage were $7,623.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

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
Outside of Metro Areas 124 $16,130,000 $130,081 $3,630 6.16%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 31 $5,655,000 $182,419 $6,532 5.52%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $4,960,000 $413,333 $10,041 4.68%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 27 $4,705,000 $174,259 $4,378 5.98%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 26 $3,870,000 $148,846 $5,604 5.87%
TUSCALOOSA, AL (FHA|USDA|VA) 12 $2,080,000 $173,333 $4,107 6.09%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 10 $1,910,000 $191,000 $3,981 6.29%
Jasper, AL (FHA|USDA|VA) 14 $1,900,000 $135,714 $4,649 6.35%
DECATUR, AL (FHA|USDA|VA) 14 $1,590,000 $113,571 $5,127 6.04%
Tupelo, MS (FHA|USDA|VA) 7 $1,285,000 $183,571 $3,618 6.98%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $1,280,000 $128,000 $4,034 5.95%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,205,000 $241,000 $5,538 5.02%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 8 $1,150,000 $143,750 $2,085 6.76%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $960,000 $240,000 $8,771 4.28%
Kerrville, TX (FHA|USDA|VA) 7 $935,000 $133,571 $2,379 7.42%
MONROE, LA (FHA|USDA|VA) 9 $925,000 $102,778 $2,257 7.12%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $700,000 $175,000 $3,135 6.06%
Cullman, AL (FHA|USDA|VA) 2 $690,000 $345,000 $5,692 5.68%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $685,000 $137,000 $4,083 7.10%
HATTIESBURG, MS (FHA|USDA|VA) 5 $655,000 $131,000 $1,168 7.05%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $640,000 $160,000 $5,665 5.78%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $560,000 $280,000 $4,422 6.13%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 4 $550,000 $137,500 $1,969 7.18%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $520,000 $260,000 $6,329 5.75%
JACKSON, MS (FHA|USDA|VA) 3 $495,000 $165,000 $939 6.50%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $490,000 $245,000 $5,913 6.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $490,000 $245,000 $6,594 6.50%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $480,000 $120,000 $3,149 6.68%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $460,000 $230,000 $10,503 5.94%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $445,000 $445,000 $22,290 4.13%
Laurel, MS (FHA|USDA|VA) 3 $425,000 $141,667 $1,098 6.75%
GAINESVILLE, FL (FHA|USDA|VA) 2 $410,000 $205,000 $6,567 7.50%
PINE BLUFF, AR (FHA|USDA|VA) 2 $400,000 $200,000 $977 7.50%
Picayune, MS (FHA|USDA|VA) 2 $390,000 $195,000 $986 7.25%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $390,000 $97,500 $1,420 6.69%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $375,000 $125,000 $1,375 7.25%
BATON ROUGE, LA (FHA|USDA|VA) 3 $355,000 $118,333 $1,385 7.58%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $345,000 $345,000 $17,830 4.88%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $340,000 $85,000 $1,976 6.68%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $335,000 $335,000 $13,863 5.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $330,000 $165,000 $6,700 6.00%
MONTGOMERY, AL (FHA|USDA|VA) 3 $315,000 $105,000 $1,865 6.58%
WILMINGTON, NC (FHA|USDA|VA) 1 $305,000 $305,000 $4,364 5.50%
LAFAYETTE, LA (FHA|USDA|VA) 3 $305,000 $101,667 $841 6.58%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $305,000 $305,000 $3,635 2.25%
Columbus, MS (FHA|USDA|VA) 2 $300,000 $150,000 $840 5.75%
LAKE CHARLES, LA (FHA|USDA|VA) 3 $285,000 $95,000 $3,316 5.63%
Starkville, MS (FHA|USDA|VA) 2 $280,000 $140,000 $840 5.63%
Waycross, GA (FHA|USDA|VA) 2 $270,000 $135,000 $4,310 7.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $265,000 $265,000 $16,141 3.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $255,000 $85,000 $2,264 6.58%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $250,000 $125,000 $4,049 7.49%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $245,000 $245,000 $7,787 6.50%
Boone, NC (FHA|USDA|VA) 1 $245,000 $245,000 $9,541 3.88%
McMinnville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $9,867 6.00%
Lewisburg, TN (FHA|USDA|VA) 1 $235,000 $235,000 $1,642 7.99%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $230,000 $115,000 $1,637 7.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $225,000 $225,000 $6,039 6.38%
Dayton, TN (FHA|USDA|VA) 1 $225,000 $225,000 $828 6.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $225,000 $225,000 $5,190 6.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $215,000 $215,000 $8,303 4.38%
Henderson, NC (FHA|USDA|VA) 1 $215,000 $215,000 $11,039 6.63%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $8,146 5.63%
Sevierville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $5,530 6.00%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $215,000 $215,000 $5,114 6.99%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $8,342 6.13%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $205,000 $205,000 $10,358 6.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $200,000 $100,000 $5,870 4.38%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $195,000 $195,000 $8,517 5.99%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $195,000 $195,000 $1,427 6.50%
Milledgeville, GA (FHA|USDA|VA) 1 $195,000 $195,000 $10,108 2.88%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $195,000 $195,000 $8,148 6.13%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $185,000 $185,000 $7,986 5.13%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $185,000 $185,000 $8,225 6.38%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $175,000 $175,000 $5,786 5.88%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $155,000 $155,000 $2,601 5.49%
MODESTO, CA (FHA|USDA|VA) 1 $155,000 $155,000 $4,332 7.50%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $155,000 $155,000 $837 5.49%
BURLINGTON, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,894 3.50%
Lake City, FL (FHA|USDA|VA) 1 $155,000 $155,000 $6,731 5.50%
Greenville, MS (FHA|USDA|VA) 1 $145,000 $145,000 $1,642 7.99%
Ozark, AL (FHA|USDA|VA) 1 $145,000 $145,000 $842 7.25%
SAVANNAH, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,941 7.50%
ALBANY, GA (FHA|USDA|VA) 1 $145,000 $145,000 $828 8.50%
Albertville, AL (FHA|USDA|VA) 2 $140,000 $70,000 $825 6.38%
MOBILE, AL (FHA|USDA|VA) 1 $135,000 $135,000 $5,542 5.50%
GADSDEN, AL (FHA|USDA|VA) 1 $135,000 $135,000 $9,258 5.38%
Gaffney, SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,999 5.63%
Natchez, MS-LA (FHA|USDA|VA) 1 $125,000 $125,000 $807 5.49%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $125,000 $125,000 $3,678 6.99%
Cleveland, MS (FHA|USDA|VA) 1 $125,000 $125,000 $868 6.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $120,000 $60,000 $1,414 5.99%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $115,000 $115,000 $6,844 6.63%
West Point, MS (FHA|USDA|VA) 1 $115,000 $115,000 $6,979 5.38%
Brookhaven, MS (FHA|USDA|VA) 1 $105,000 $105,000 $1,626 7.75%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $6,504 3.50%
Meridian, MS (FHA|USDA|VA) 1 $105,000 $105,000 $843 5.74%
DOTHAN, AL (FHA|USDA|VA) 1 $105,000 $105,000 $847 5.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $95,000 $95,000 $842 7.00%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $95,000 $95,000 $837 7.25%
Camden, AR (FHA|USDA|VA) 1 $95,000 $95,000 $848 7.25%
Dublin, GA (FHA|USDA|VA) 1 $95,000 $95,000 $2,691 5.49%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $85,000 $85,000 $1,641 8.25%
Russellville, AR (FHA|USDA|VA) 1 $85,000 $85,000 $5,541 5.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $85,000 $85,000 $6,734 6.13%
Vidalia, GA (FHA|USDA|VA) 1 $85,000 $85,000 $1,641 7.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $85,000 $85,000 $1,421 6.25%
Shelby, NC (FHA|USDA|VA) 1 $75,000 $75,000 $6,031 5.63%
Shelbyville, TN (FHA|USDA|VA) 1 $55,000 $55,000 $3,601 6.13%
Searcy, AR (FHA|USDA|VA) 1 $55,000 $55,000 $828 5.75%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $45,000 $45,000 $3,641 6.99%
Natchitoches, LA (FHA|USDA|VA) 1 $35,000 $35,000 $1,621 6.99%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,147 7.75%
Cis Financial Services's top markets include Hickory, Nashville, Birmingham, Florence, and Tuscaloosa among others.

Their top states include:
  • Alabama (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • California (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 355 $52,435,000 $147,704 $2,844 6.45%
    FHA 95 $16,395,000 $172,579 $8,831 5.35%
    USDA 16 $2,310,000 $144,375 $6,174 4.90%
    VA 11 $3,495,000 $317,727 $11,107 4.82%

    For 2022, Cis Financial Services's most frequently originated type of loan was Conventional, with 355 originations. Their 2nd most popular type was FHA, with 95 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 426 $64,580,000 $151,596 $3,948 6.27%
    Refi 32 $5,450,000 $170,313 $6,684 4.91%
    Cash Out Refi 18 $4,600,000 $255,556 $9,655 5.24%
    NA 1 $5,000 $5,000 $0 8.88%

    For 2022, Cis Financial Services's most frequently cited loan purpose was Home Purchase, with 426 originations. The 2nd most popular reason was Refi, with 32 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 223 $30,585,000 $137,152 $1,714 6.93%
    30 Year 209 $40,035,000 $191,555 $7,623 5.32%
    20 Year 32 $2,770,000 $86,563 $1,598 6.58%
    15 Year 11 $1,145,000 $104,091 $3,448 4.63%
    10 Year 2 $100,000 $50,000 $2,447 5.56%

    For 2022, Cis Financial Services's most frequently cited loan duration was Other, with 223 originations. The 2nd most popular length was 30 Year, with 209 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 229 $30,255,000 $132,118
    $2k-3k 92 $12,990,000 $141,196
    $3k-4k 61 $10,685,000 $175,164
    $1k-2k 35 $3,935,000 $112,429
    $4k-5k 30 $6,770,000 $225,667
    $5k+ 30 $10,000,000 $333,333

    Cis Financial Services's average total fees were $7,623, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 229 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 126 $17,230,000 $136,746
    5-6% 120 $19,840,000 $165,333
    7-8% 114 $14,770,000 $129,561
    4-5% 55 $10,745,000 $195,364
    3-4% 33 $8,075,000 $244,697
    Over 8% 17 $1,955,000 $115,000
    2.5-3% 10 $1,620,000 $162,000
    <2.5% 2 $400,000 $200,000

    During 2022, Cis Financial Services's average interest rate for loans was 5.32%, while their most frequently originated rate bucket for loans was 6-7%, with 126 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 237 $34,945,000 $147,447 $4,060 6.21%
    $100,000 or less 142 $11,090,000 $78,099 $2,480 6.50%
    $200k-400k 84 $21,110,000 $251,310 $6,558 5.64%
    $400k-600k 9 $4,135,000 $459,444 $12,664 4.69%
    $600k-1MM 5 $3,355,000 $671,000 $18,029 4.15%

    2022 saw Cis Financial Services place emphasis on $100k-200k loans with 237 originations, totaling $34,945,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 154 $24,250,000 $157,468 $4,506 6.20%
    $50k or less 128 $14,010,000 $109,453 $4,112 5.97%
    $75k-100k 90 $15,670,000 $174,111 $4,189 6.37%
    $100k-150k 75 $13,445,000 $179,267 $4,319 6.06%
    $150k-250k 20 $4,410,000 $220,500 $4,006 6.69%
    $250k+ 6 $1,860,000 $310,000 $5,257 5.48%

    Cis Financial Services lent most frequently to those with incomes in the $50k-75k range, with 154 originations. The second most popular income band? $50k or less, with 128 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 133 $17,495,000 $131,541 $3,384 6.16%
    30-36% 88 $12,860,000 $146,136 $3,599 6.41%
    <20% 39 $4,135,000 $106,026 $2,908 6.07%
    43% 22 $3,490,000 $158,636 $5,283 6.25%
    41% 20 $3,360,000 $168,000 $4,608 5.86%
    36% 20 $3,450,000 $172,500 $3,975 6.30%
    50-60% 19 $4,375,000 $230,263 $9,932 5.45%
    40% 18 $3,290,000 $182,778 $4,689 6.12%
    39% 16 $2,330,000 $145,625 $3,026 6.18%
    38% 16 $3,250,000 $203,125 $4,249 6.16%
    42% 15 $2,185,000 $145,667 $3,957 5.76%
    44% 14 $2,460,000 $175,714 $3,721 6.74%
    37% 13 $1,965,000 $151,154 $2,925 6.67%
    49% 11 $2,445,000 $222,273 $6,885 5.95%
    47% 10 $1,990,000 $199,000 $7,857 5.79%
    45% 8 $1,970,000 $246,250 $8,544 5.36%
    48% 7 $2,085,000 $297,857 $12,659 5.16%
    46% 6 $1,040,000 $173,333 $4,752 5.92%

    Cis Financial Services lent most frequently to those with DTI ratios of 20-30%, with 133 originations. The next most common DTI ratio? 30-36%, with 88 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 404 $62,700,000 $155,198 $4,319 6.13%
    Black 37 $6,235,000 $168,514 $4,669 6.38%
    Not provided 29 $4,415,000 $152,241 $4,233 6.04%
    Asian 5 $1,195,000 $239,000 $4,630 6.12%
    American Indian 2 $90,000 $45,000 $3,000 6.37%

    Approval Rates

    Total approvals of all applications
    45.71%

    Cis Financial Services has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    -71.28%

    Cis Financial Services 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 477 $74,635,000 $156,468

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    477 $74,635,000 $156,468

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 9 $1,005,000 $111,667 $5,153 4.85%
    40-60% 14 $2,880,000 $205,714 $6,237 5.23%
    60-80% 85 $12,925,000 $152,059 $4,957 5.80%
    80-100% 361 $55,955,000 $155,000 $4,052 6.29%
    Over 100% 7 $1,865,000 $266,429 $7,385 5.68%
    Under 20% 1 $5,000 $5,000 $0 8.88%