Goprime Mortgage Rates, Fees & Info

Raleigh, NC

LEI: 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. Their top markets by origination volume include: Raleigh, Asheville, Bozeman, Pinehurst, and Fayetteville among others. We have data for 168 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 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.

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% 3/28/24
30 Year Conventional Refi 6.56% 3/28/24
30 Year Cash-out Refi 6.78% 3/28/24
30 Year FHA Purchase 7.77% 3/28/24
30 Year FHA Refi 7.20% 3/28/24
30 Year VA Purchase 6.30% 3/28/24
30 Year VA Refi 6.01% 3/28/24
30 Year USDA Purchase 7.14% 3/28/24
15 Year Conventional Purchase 6.14% 3/28/24
15 Year Conventional Refi 6.05% 3/28/24
15 Year Cash-out Refi 6.05% 3/28/24
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






Your Estimates

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

This is not an official calculator from Goprime Mortgage. 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

1,936

Origination Dollar Volume (All Markets)

$441,160,000
Show all (6) awards

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) 326 $79,980,000 $245,337 $4,415 4.80%
ASHEVILLE, NC (FHA|USDA|VA) 207 $44,905,000 $216,932 $5,161 4.92%
Bozeman, MT (FHA|USDA|VA) 72 $22,830,000 $317,083 $5,748 4.73%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 79 $21,365,000 $270,443 $6,431 4.31%
Outside of Metro Areas 125 $19,485,000 $155,880 $4,716 4.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 90 $17,380,000 $193,111 $4,468 4.56%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 41 $17,135,000 $417,927 $7,766 4.91%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 48 $16,910,000 $352,292 $8,480 4.79%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 68 $14,930,000 $219,559 $5,719 4.82%
Roseburg, OR (FHA|USDA|VA) 71 $14,515,000 $204,437 $5,535 4.73%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 58 $14,500,000 $250,000 $6,784 4.55%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 39 $12,515,000 $320,897 $8,814 4.95%
RICHMOND, VA (FHA|USDA|VA) 48 $11,020,000 $229,583 $5,061 5.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 43 $9,315,000 $216,628 $4,871 4.92%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 43 $7,695,000 $178,953 $4,392 5.00%
PROVO-OREM, UT (FHA|USDA|VA) 27 $7,005,000 $259,444 $8,786 5.19%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 33 $6,885,000 $208,636 $7,084 5.12%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 33 $5,775,000 $175,000 $7,251 5.25%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 27 $5,685,000 $210,556 $6,333 5.26%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 16 $5,310,000 $331,875 $10,135 5.08%
Sanford, NC (FHA|USDA|VA) 19 $4,225,000 $222,368 $5,293 4.56%
BURLINGTON, NC (FHA|USDA|VA) 22 $3,650,000 $165,909 $3,906 4.91%
Richmond-Berea, KY (FHA|USDA|VA) 23 $3,435,000 $149,348 $5,209 4.91%
JACKSONVILLE, FL (FHA|USDA|VA) 15 $3,125,000 $208,333 $5,494 4.73%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $2,485,000 $355,000 $7,505 4.80%
FORT SMITH, AR-OK (FHA|USDA|VA) 18 $2,300,000 $127,778 $3,743 4.80%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 12 $2,220,000 $185,000 $5,675 4.92%
Danville, KY (FHA|USDA|VA) 17 $1,995,000 $117,353 $4,440 4.90%
Brevard, NC (FHA|USDA|VA) 10 $1,750,000 $175,000 $4,443 4.80%
SALT LAKE CITY, UT (FHA|USDA|VA) 7 $1,715,000 $245,000 $7,694 5.10%
Jasper, AL (FHA|USDA|VA) 11 $1,635,000 $148,636 $4,245 4.84%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $1,575,000 $225,000 $5,531 4.48%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $1,550,000 $258,333 $8,093 4.89%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,465,000 $293,000 $5,035 4.38%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,440,000 $360,000 $5,208 4.88%
Forest City, NC (FHA|USDA|VA) 8 $1,420,000 $177,500 $5,843 4.95%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,370,000 $228,333 $4,774 4.29%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,285,000 $257,000 $4,845 4.25%
GOLDSBORO, NC (FHA|USDA|VA) 8 $1,190,000 $148,750 $3,752 5.03%
Mount Sterling, KY (FHA|USDA|VA) 13 $1,145,000 $88,077 $4,386 5.18%
Boone, NC (FHA|USDA|VA) 4 $1,100,000 $275,000 $2,436 4.56%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,095,000 $365,000 $13,218 4.29%
ROCKY MOUNT, NC (FHA|USDA|VA) 6 $1,090,000 $181,667 $5,337 4.98%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,030,000 $257,500 $8,662 4.84%
WILMINGTON, NC (FHA|USDA|VA) 5 $995,000 $199,000 $3,129 4.83%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 6 $950,000 $158,333 $5,412 5.08%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $940,000 $470,000 $13,745 5.06%
Helena, MT (FHA|USDA|VA) 3 $935,000 $311,667 $7,631 4.63%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $925,000 $185,000 $6,701 5.05%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $820,000 $205,000 $8,193 4.67%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $810,000 $405,000 $8,856 4.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $800,000 $200,000 $3,777 4.69%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $770,000 $192,500 $5,124 4.47%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $720,000 $360,000 $6,429 4.56%
Cullman, AL (FHA|USDA|VA) 3 $715,000 $238,333 $8,265 4.63%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $675,000 $675,000 $6,614 4.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $675,000 $225,000 $6,365 5.46%
VALDOSTA, GA (FHA|USDA|VA) 4 $650,000 $162,500 $5,355 5.06%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $630,000 $315,000 $7,893 5.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $605,000 $201,667 $6,056 4.54%
LYNCHBURG, VA (FHA|USDA|VA) 1 $545,000 $545,000 $3,893 5.25%
Roanoke Rapids, NC (FHA|USDA|VA) 3 $515,000 $171,667 $2,943 4.67%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $505,000 $168,333 $3,162 4.93%
Marion, NC (FHA|USDA|VA) 3 $495,000 $165,000 $3,851 4.63%
Shelby, NC (FHA|USDA|VA) 3 $485,000 $161,667 $4,853 4.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $470,000 $235,000 $6,246 5.18%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $465,000 $465,000 $462 4.13%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $460,000 $230,000 $7,712 4.69%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $455,000 $455,000 $13,384 4.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $445,000 $445,000 $5,936 4.45%
KNOXVILLE, TN (FHA|USDA|VA) 2 $440,000 $220,000 $2,388 4.63%
GREAT FALLS, MT (FHA|USDA|VA) 2 $440,000 $220,000 $6,345 4.81%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $435,000 $435,000 $3,200 3.88%
Andrews, TX (FHA|USDA|VA) 2 $430,000 $215,000 $4,554 4.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $425,000 $425,000 $1,629 4.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $425,000 $141,667 $4,140 4.92%
Beaver Dam, WI (FHA|USDA|VA) 1 $425,000 $425,000 $2,168 4.75%
BEND, OR (FHA|USDA|VA) 1 $415,000 $415,000 $22,240 4.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $410,000 $205,000 $2,148 4.06%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $7,553 5.50%
GREELEY, CO (FHA|USDA|VA) 1 $405,000 $405,000 $3,567 3.88%
Coos Bay, OR (FHA|USDA|VA) 2 $380,000 $190,000 $5,376 4.88%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $370,000 $185,000 $5,136 5.43%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $360,000 $180,000 $7,512 4.50%
ANN ARBOR, MI (FHA|USDA|VA) 1 $355,000 $355,000 $3,068 4.75%
MOBILE, AL (FHA|USDA|VA) 4 $350,000 $87,500 $3,155 5.06%
FORT COLLINS, CO (FHA|USDA|VA) 1 $345,000 $345,000 $11,533 4.75%
DECATUR, AL (FHA|USDA|VA) 2 $340,000 $170,000 $1,951 4.94%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $330,000 $165,000 $3,340 4.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $320,000 $160,000 $7,551 5.24%
FRESNO, CA (FHA|USDA|VA) 2 $320,000 $160,000 $5,592 5.69%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $315,000 $315,000 $3,257 4.88%
Albertville, AL (FHA|USDA|VA) 2 $310,000 $155,000 $5,771 4.69%
SPARTANBURG, SC (FHA|USDA|VA) 2 $310,000 $155,000 $6,823 4.94%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $305,000 $305,000 $5,965 5.25%
Martinsville, VA (FHA|USDA|VA) 2 $300,000 $150,000 $3,409 5.31%
MADISON, WI (FHA|USDA|VA) 1 $295,000 $295,000 $1,757 4.75%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $295,000 $295,000 $2,722 3.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $285,000 $285,000 $3,414 4.99%
ROME, GA (FHA|USDA|VA) 1 $285,000 $285,000 $8,536 4.45%
HINESVILLE, GA (FHA|USDA|VA) 1 $275,000 $275,000 $8,275 4.50%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $275,000 $275,000 $9,282 4.50%
Frankfort, KY (FHA|USDA|VA) 1 $275,000 $275,000 $9,266 4.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $275,000 $91,667 $2,547 4.75%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $270,000 $135,000 $2,748 4.75%
ST. GEORGE, UT (FHA|USDA|VA) 2 $270,000 $135,000 $4,926 4.93%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $265,000 $265,000 $5,027 3.88%
Wilson, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,285 4.55%
BILLINGS, MT (FHA|USDA|VA) 1 $265,000 $265,000 $5,231 4.38%
Cullowhee, NC (FHA|USDA|VA) 1 $265,000 $265,000 $4,058 4.13%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $260,000 $130,000 $5,254 4.69%
Oak Harbor, WA (FHA|USDA|VA) 1 $255,000 $255,000 $9,943 5.50%
SAN ANGELO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,813 4.63%
Cedar City, UT (FHA|USDA|VA) 1 $245,000 $245,000 $9,932 5.25%
Centralia, WA (FHA|USDA|VA) 1 $245,000 $245,000 $10,709 5.13%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $245,000 $245,000 $9,019 4.55%
Baraboo, WI (FHA|USDA|VA) 1 $245,000 $245,000 $10,740 5.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $240,000 $120,000 $2,616 4.75%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $235,000 $235,000 $6,760 4.75%
Price, UT (FHA|USDA|VA) 2 $230,000 $115,000 $4,593 5.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $230,000 $115,000 $3,955 4.75%
TUCSON, AZ (FHA|USDA|VA) 2 $230,000 $115,000 $3,411 5.25%
LOGAN, UT-ID (FHA|USDA|VA) 1 $225,000 $225,000 $5,916 5.38%
Rockingham, NC (FHA|USDA|VA) 1 $225,000 $225,000 $1,961 4.25%
LONGVIEW, TX (FHA|USDA|VA) 2 $220,000 $110,000 $4,402 4.60%
FLORENCE, SC (FHA|USDA|VA) 1 $215,000 $215,000 $3,787 5.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $215,000 $215,000 $7,898 3.88%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $210,000 $105,000 $3,054 5.19%
Seneca, SC (FHA|USDA|VA) 1 $205,000 $205,000 $2,938 4.75%
North Wilkesboro, NC (FHA|USDA|VA) 1 $205,000 $205,000 $4,866 4.25%
MODESTO, CA (FHA|USDA|VA) 1 $185,000 $185,000 $2,083 4.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $185,000 $185,000 $4,192 4.63%
CaƱon City, CO (FHA|USDA|VA) 1 $175,000 $175,000 $3,506 5.63%
LOUISVILLE, KY (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.13%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $175,000 $175,000 $2,885 5.38%
Elizabeth City, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,895 4.88%
Lumberton, NC (FHA|USDA|VA) 1 $165,000 $165,000 $4,545 4.50%
GREENVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,944 5.25%
Platteville, WI (FHA|USDA|VA) 1 $165,000 $165,000 $4,008 5.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $165,000 $165,000 $3,132 4.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $160,000 $80,000 $3,794 4.50%
Brownwood, TX (FHA|USDA|VA) 1 $155,000 $155,000 $6,375 5.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $145,000 $145,000 $5,275 4.75%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $145,000 $145,000 $2,435 3.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $145,000 $145,000 $5,867 5.13%
Corsicana, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,221 4.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $135,000 $135,000 $5,416 2.88%
MISSOULA, MT (FHA|USDA|VA) 1 $135,000 $135,000 $3,801 5.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,116 4.88%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $135,000 $135,000 $5,301 5.25%
ST. CLOUD, MN (FHA|USDA|VA) 1 $135,000 $135,000 $4,970 4.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,601 4.50%
Athens, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,445 4.88%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $135,000 $135,000 $3,950 4.13%
NEW BERN, NC (FHA|USDA|VA) 1 $125,000 $125,000 $4,352 4.88%
EL PASO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.13%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,976 5.38%
WACO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,854 5.88%
Washington, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,666 4.50%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,496 4.75%
Huntsville, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,106 4.75%
STOCKTON, CA (FHA|USDA|VA) 1 $105,000 $105,000 $3,746 5.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $105,000 $105,000 $6,154 4.88%
Big Spring, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,927 4.88%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $95,000 $95,000 $2,906 4.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $75,000 $75,000 $2,842 4.25%
AMARILLO, TX (FHA|USDA|VA) 1 $55,000 $55,000 $3,057 4.38%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $35,000 $35,000 $3,097 4.99%
Goprime Mortgage's top markets include Raleigh, Asheville, Bozeman, Pinehurst, and Fayetteville among others.

Their top states include:
  • North Carolina (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 967 $231,225,000 $239,116 $4,201 4.85%
    FHA 457 $94,125,000 $205,963 $7,625 4.96%
    VA 333 $88,785,000 $266,622 $6,727 4.50%
    USDA 179 $27,025,000 $150,978 $4,739 4.91%

    For 2018, Goprime Mortgage's most frequently originated type of loan was Conventional, with 967 originations. Their 2nd most popular type was FHA, with 457 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,675 $378,925,000 $226,224 $5,450 4.81%
    Cash Out Refi 177 $42,465,000 $239,915 $6,074 4.99%
    Refi 82 $19,250,000 $234,756 $5,054 4.61%
    Home Improvement 2 $520,000 $260,000 $2,916 4.69%

    For 2018, Goprime Mortgage's most frequently cited loan purpose was Home Purchase, with 1,675 originations. The 2nd most popular reason was Cash Out Refi, with 177 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,867 $426,325,000 $228,348 $5,543 4.84%
    15 Year 46 $9,490,000 $206,304 $3,935 4.11%
    20 Year 16 $3,860,000 $241,250 $3,836 4.61%
    Other 4 $830,000 $207,500 $4,893 4.90%
    10 Year 3 $655,000 $218,333 $3,093 4.25%

    For 2018, Goprime Mortgage's most frequently cited loan duration was 30 Year, with 1,867 originations. The 2nd most popular length was 15 Year, with 46 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,100 $250,510,000 $227,736
    $1k-2k 357 $71,195,000 $199,426
    $2k-3k 201 $39,165,000 $194,851
    $3k-4k 129 $32,235,000 $249,884
    $5k+ 74 $25,440,000 $343,784
    $4k-5k 68 $20,990,000 $308,676

    Goprime Mortgage's average total fees were $5,543, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,100 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,258 $295,510,000 $234,905
    5-6% 546 $112,510,000 $206,062
    3-4% 117 $30,365,000 $259,530
    6-7% 12 $2,010,000 $167,500
    7-8% 2 $630,000 $315,000
    2.5-3% 1 $135,000 $135,000

    During 2018, Goprime Mortgage's average interest rate for loans was 4.84%, while their most frequently originated rate bucket for loans was 4-5%, with 1,258 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 910 $246,490,000 $270,868 $6,101 4.75%
    $100k-200k 717 $110,705,000 $154,400 $4,638 4.89%
    $100,000 or less 156 $12,140,000 $77,821 $3,391 4.99%
    $400k-600k 141 $63,815,000 $452,589 $8,051 4.74%
    $600k-1MM 12 $8,010,000 $667,500 $7,377 4.55%

    2018 saw Goprime Mortgage place emphasis on $200k-400k loans with 910 originations, totaling $246,490,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 594 $123,210,000 $207,424 $5,548 4.83%
    $50k or less 473 $68,135,000 $144,049 $4,745 4.87%
    $75k-100k 374 $95,310,000 $254,840 $6,033 4.78%
    $100k-150k 309 $91,345,000 $295,615 $5,849 4.79%
    $150k-250k 153 $52,475,000 $342,974 $5,440 4.77%
    $250k+ 33 $10,685,000 $323,788 $5,745 4.85%

    Goprime Mortgage lent most frequently to those with incomes in the $50k-75k range, with 594 originations. The second most popular income band? $50k or less, with 473 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 299 $66,255,000 $221,589 $5,187 4.84%
    20-30% 277 $57,885,000 $208,971 $4,468 4.71%
    50-60% 232 $53,930,000 $232,457 $7,872 4.81%
    49% 104 $25,770,000 $247,788 $5,221 4.81%
    39% 90 $22,230,000 $247,000 $4,959 4.88%
    41% 88 $19,230,000 $218,523 $4,905 4.90%
    42% 85 $21,925,000 $257,941 $5,529 4.85%
    40% 82 $18,340,000 $223,659 $5,464 4.88%
    44% 76 $17,550,000 $230,921 $5,770 4.87%
    36% 72 $15,190,000 $210,972 $4,898 4.84%
    38% 71 $15,175,000 $213,732 $4,694 4.84%
    47% 71 $18,085,000 $254,718 $5,384 4.81%
    37% 69 $14,805,000 $214,565 $4,940 4.84%
    48% 65 $15,195,000 $233,769 $5,725 4.89%
    43% 64 $15,480,000 $241,875 $5,479 4.86%
    46% 63 $15,945,000 $253,095 $6,609 4.87%
    <20% 56 $10,650,000 $190,179 $3,901 4.68%
    45% 56 $13,070,000 $233,393 $6,356 4.84%
    >60% 16 $4,450,000 $278,125 $7,057 4.73%

    Goprime Mortgage lent most frequently to those with DTI ratios of 30-36%, with 299 originations. The next most common DTI ratio? 20-30%, with 277 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,499 $338,585,000 $225,874 $5,379 4.81%
    Not provided 187 $45,135,000 $241,364 $5,764 4.84%
    Black 182 $40,180,000 $220,769 $5,769 4.91%
    Asian 52 $13,530,000 $260,192 $6,504 4.83%
    American Indian 11 $2,545,000 $231,364 $5,785 4.68%
    Native Hawaiian or Islander 2 $520,000 $260,000 $9,610 4.31%
    Japanese 1 $445,000 $445,000 $6,719 4.88%
    Other Asian 2 $220,000 $110,000 $2,297 4.88%

    Approval Rates

    Total approvals of all applications
    93.24%

    Goprime Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    69.63%

    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 1,936 $441,160,000 $227,872

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 46 $6,790,000 $147,609
    Single Family (1-4 Units):Site-Built 1,890 $434,370,000 $229,825

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 25 $3,645,000 $145,800 $3,911 4.72%
    40-60% 92 $18,550,000 $201,630 $3,993 4.73%
    60-80% 353 $83,975,000 $237,890 $4,583 4.88%
    80-100% 1,363 $308,295,000 $226,189 $5,552 4.83%
    Over 100% 100 $26,450,000 $264,500 $9,555 4.57%
    Under 20% 3 $245,000 $81,667 $2,907 4.29%