Goprime Mortgage Rates, Fees & Info
Raleigh, NCLEI: 549300OYEKEORA1GI088
Tax ID: 20-2409656
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Mortgage Data
Review & Overview
Goprime Mortgage is a smaller mortgage company specializing in Home Purchase loans. Goprime Mortgage 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: Raleigh, Fayetteville, Asheville, Pinehurst, and Bozeman among others. We have data for 108 markets. (Some data included below & more in-depth data is available with an active subscription.)Goprime Mortgage 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. Goprime Mortgage is typically a high 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 | 6.75% | 11/17/24 |
| 30 Year Conventional Refi | 6.56% | 11/17/24 |
| 30 Year Cash-out Refi | 6.78% | 11/17/24 |
| 30 Year FHA Purchase | 7.77% | 11/17/24 |
| 30 Year FHA Refi | 7.20% | 11/17/24 |
| 30 Year VA Purchase | 6.30% | 11/17/24 |
| 30 Year VA Refi | 6.01% | 11/17/24 |
| 30 Year USDA Purchase | 7.14% | 11/17/24 |
| 15 Year Conventional Purchase | 6.14% | 11/17/24 |
| 15 Year Conventional Refi | 6.05% | 11/17/24 |
| 15 Year Cash-out Refi | 6.05% | 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. | ||
Goprime Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,113Origination Dollar Volume (All Markets)
$343,605,000Awards
GoPrime Mortgage - 2023
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For 2023, less than of lenders were eligible for this award.
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Relative Rate
Goprime Mortgage's average 30 year fixed mortgage rate was
6.66%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.18%.
Relative Fees (Closing Costs)
Goprime Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,350.
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 $9,089.
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 |
|---|---|---|---|---|---|
| RALEIGH-CARY, NC (FHA|USDA|VA) | 175 | $61,845,000 | $353,400 | $7,146 | 6.79% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 137 | $35,325,000 | $257,847 | $9,166 | 6.46% |
| ASHEVILLE, NC (FHA|USDA|VA) | 82 | $26,040,000 | $317,561 | $8,421 | 6.81% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 70 | $25,680,000 | $366,857 | $7,443 | 6.42% |
| Bozeman, MT (FHA|USDA|VA) | 48 | $22,800,000 | $475,000 | $11,778 | 6.67% |
| Outside of Metro Areas | 92 | $19,700,000 | $214,130 | $6,860 | 6.79% |
| Roseburg, OR (FHA|USDA|VA) | 57 | $15,585,000 | $273,421 | $9,597 | 6.61% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 43 | $14,175,000 | $329,651 | $6,160 | 6.66% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 29 | $10,905,000 | $376,034 | $11,750 | 6.11% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 12 | $7,710,000 | $642,500 | $10,117 | 6.18% |
| Sanford, NC (FHA|USDA|VA) | 22 | $6,360,000 | $289,091 | $8,513 | 6.56% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 22 | $6,140,000 | $279,091 | $9,155 | 6.82% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $4,215,000 | $468,333 | $12,465 | 6.78% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $3,585,000 | $398,333 | $9,909 | 6.53% |
| BURLINGTON, NC (FHA|USDA|VA) | 12 | $3,290,000 | $274,167 | $7,694 | 6.91% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 9 | $3,245,000 | $360,556 | $14,168 | 6.80% |
| RICHMOND, VA (FHA|USDA|VA) | 9 | $3,185,000 | $353,889 | $8,948 | 6.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 9 | $2,965,000 | $329,444 | $15,308 | 6.39% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $2,780,000 | $278,000 | $9,178 | 6.35% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 13 | $2,545,000 | $195,769 | $7,226 | 6.90% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $2,225,000 | $445,000 | $10,546 | 6.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 9 | $2,225,000 | $247,222 | $7,480 | 6.35% |
| Forest City, NC (FHA|USDA|VA) | 10 | $2,200,000 | $220,000 | $6,756 | 6.62% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 10 | $2,120,000 | $212,000 | $8,872 | 6.66% |
| Danville, KY (FHA|USDA|VA) | 12 | $2,120,000 | $176,667 | $8,062 | 7.04% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 8 | $1,910,000 | $238,750 | $8,731 | 6.91% |
| Brevard, NC (FHA|USDA|VA) | 6 | $1,900,000 | $316,667 | $7,618 | 6.71% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 10 | $1,890,000 | $189,000 | $7,457 | 7.04% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,750,000 | $437,500 | $6,748 | 6.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $6,554 | 6.38% |
| WILMINGTON, NC (FHA|USDA|VA) | 4 | $1,720,000 | $430,000 | $7,678 | 6.69% |
| Richmond-Berea, KY (FHA|USDA|VA) | 9 | $1,695,000 | $188,333 | $7,218 | 6.94% |
| Shelby, NC (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $8,052 | 6.65% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $13,417 | 6.53% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $6,311 | 6.78% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $4,610 | 7.23% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $5,842 | 6.92% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 7 | $1,345,000 | $192,143 | $6,227 | 6.85% |
| BILLINGS, MT (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $9,604 | 6.33% |
| Boone, NC (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $10,378 | 6.92% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $19,355 | 5.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $4,327 | 6.56% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $3,188 | 6.25% |
| Wilson, NC (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $6,208 | 6.71% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $27,963 | 6.00% |
| Laurinburg, NC (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $4,025 | 6.77% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $12,957 | 6.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $8,699 | 7.18% |
| GOLDSBORO, NC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $10,521 | 6.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $9,771 | 7.29% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,743 | 6.79% |
| Somerset, KY (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $6,650 | 7.09% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $5,198 | 7.04% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $17,764 | 6.50% |
| Helena, MT (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $18,957 | 6.62% |
| Lumberton, NC (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $5,973 | 6.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,520 | 5.88% |
| Mount Sterling, KY (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $5,894 | 7.63% |
| Campbellsville, KY (FHA|USDA|VA) | 6 | $630,000 | $105,000 | $3,414 | 6.92% |
| SAN ANGELO, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,346 | 7.13% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $8,313 | 6.87% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,596 | 6.99% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $7,981 | 6.62% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,097 | 6.88% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,445 | 6.75% |
| Washington, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,446 | 7.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,783 | 6.75% |
| London, KY (FHA|USDA|VA) | 5 | $435,000 | $87,000 | $3,442 | 6.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $16,103 | 6.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $9,943 | 5.88% |
| Marion, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $9,031 | 6.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,421 | 6.50% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,074 | 6.88% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,508 | 6.87% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,106 | 5.87% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,690 | 5.99% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $20,371 | 6.25% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,582 | 6.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,163 | 6.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,827 | 7.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,190 | 7.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,238 | 6.75% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,872 | 5.63% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,214 | 6.25% |
| Kinston, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,092 | 6.38% |
| RENO, NV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,116 | 5.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,729 | 5.88% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,392 | 5.75% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,674 | 6.75% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,957 | 6.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,931 | 6.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,008 | 5.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,012 | 6.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,069 | 6.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,654 | 6.99% |
| Paris, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,927 | 6.88% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,649 | 6.62% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $14,421 | 7.38% |
| Henderson, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $17,500 | 6.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,329 | 6.88% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,443 | 7.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,137 | 6.62% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,120 | 7.25% |
| Athens, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,548 | 7.50% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,323 | 6.50% |
| Newport, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,724 | 6.88% |
| Middlesborough, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,754 | 7.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,594 | 6.63% |
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Product Mix
For 2023, Goprime Mortgage's most frequently originated type of loan was Conventional, with 564 originations. Their 2nd most popular type was VA, with 277 originations.
Loan Reason
For 2023, Goprime Mortgage's most frequently cited loan purpose was Home Purchase, with 1,025 originations. The 2nd most popular reason was Cash Out Refi, with 66 originations.
Loan Duration/Length
For 2023, Goprime Mortgage's most frequently cited loan duration was 30 Year, with 1,099 originations. The 2nd most popular length was 15 Year, with 7 originations.
Origination Fees/Closing Costs
Goprime Mortgage's average total fees were $8,350, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 295 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 621 | $189,025,000 | $304,388 |
| 7-8% | 293 | $86,365,000 | $294,761 |
| 5-6% | 189 | $65,235,000 | $345,159 |
| Over 8% | 6 | $1,340,000 | $223,333 |
| 4-5% | 4 | $1,640,000 | $410,000 |
During 2023, Goprime Mortgage's average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 6-7%, with 621 originations.
Loan Sizing
2023 saw Goprime Mortgage place emphasis on $200k-400k loans with 605 originations, totaling $176,895,000 in origination value.
Applicant Income
Goprime Mortgage lent most frequently to those with incomes in the $50k-75k range, with 285 originations. The second most popular income band? $100k-150k, with 274 originations.
Applicant Debt to Income Ratio
Goprime Mortgage lent most frequently to those with DTI ratios of 30-36%, with 162 originations. The next most common DTI ratio? 20-30%, with 160 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.79%
Goprime Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination65.86%
Goprime Mortgage 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 | 1,113 | $343,605,000 | $308,720 |