V.i.p. Mortgage Rates, Fees & Info
SCOTTSDALE, AZLEI: 549300PC4MFWQBNVKG88
Tax ID: 42-1720343
3.4 stars - Updated: 7/13/25
-
out of 5 stars, based on 84 reviews
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
V.i.p. Mortgage is a small mortgage company specializing in Home Purchase loans. V.i.p. Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Denver, Houston, Tucson, and San Antonio among others. We have data for 309 markets. (Some data included below & more in-depth data is available with an active subscription.)V.i.p. 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. V.i.p. 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 | 7.03% | 7/13/25 |
| 30 Year Conventional Refi | 6.93% | 7/13/25 |
| 30 Year Cash-out Refi | 7.12% | 7/13/25 |
| 30 Year FHA Purchase | 7.17% | 7/13/25 |
| 30 Year FHA Refi | 7.15% | 7/13/25 |
| 30 Year VA Purchase | 6.45% | 7/13/25 |
| 30 Year VA Refi | 6.33% | 7/13/25 |
| 30 Year USDA Purchase | 7.02% | 7/13/25 |
| 15 Year Conventional Purchase | 5.67% | 7/13/25 |
| 15 Year Conventional Refi | 5.89% | 7/13/25 |
| 15 Year Cash-out Refi | 5.89% | 7/13/25 |
| 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. | ||
V.i.p. Mortgage Mortgage Calculator
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This is not an official calculator from V.i.p. 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
6,989Origination Dollar Volume (All Markets)
$2,705,645,000Awards
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V.I.P. MORTGAGE - 2024
V.I.P. MORTGAGE is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
V.i.p. Mortgage's average 30 year fixed mortgage rate was
6.61%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.06%.
Relative Fees (Closing Costs)
V.i.p. Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,768.
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 $8,356.
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 |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1,715 | $714,455,000 | $416,592 | $10,238 | 6.64% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 846 | $431,840,000 | $510,449 | $10,205 | 6.60% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 510 | $181,960,000 | $356,784 | $12,082 | 6.24% |
| TUCSON, AZ (FHA|USDA|VA) | 575 | $178,045,000 | $309,643 | $8,795 | 6.81% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 216 | $75,900,000 | $351,389 | $11,081 | 6.22% |
| Outside of Metro Areas | 238 | $73,530,000 | $308,950 | $8,142 | 6.67% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 161 | $72,695,000 | $451,522 | $7,860 | 6.64% |
| Hilo, HI (FHA|USDA|VA) | 123 | $59,885,000 | $486,870 | $11,765 | 6.98% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 122 | $48,240,000 | $395,410 | $12,328 | 6.46% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 115 | $45,115,000 | $392,304 | $8,163 | 6.46% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 121 | $44,815,000 | $370,372 | $9,538 | 6.85% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 84 | $32,700,000 | $389,286 | $9,996 | 6.64% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 122 | $32,230,000 | $264,180 | $9,369 | 6.47% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 46 | $27,040,000 | $587,826 | $15,273 | 6.24% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 54 | $24,830,000 | $459,815 | $10,028 | 6.94% |
| GREELEY, CO (FHA|USDA|VA) | 52 | $24,200,000 | $465,385 | $12,746 | 6.41% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 64 | $24,180,000 | $377,813 | $9,037 | 6.61% |
| FARMINGTON, NM (FHA|USDA|VA) | 95 | $21,375,000 | $225,000 | $7,386 | 6.80% |
| LONGVIEW, WA (FHA|USDA|VA) | 61 | $20,915,000 | $342,869 | $10,682 | 6.52% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 62 | $19,750,000 | $318,548 | $5,043 | 6.64% |
| GREEN BAY, WI (FHA|USDA|VA) | 73 | $19,005,000 | $260,342 | $6,357 | 6.41% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 43 | $18,215,000 | $423,605 | $10,229 | 6.36% |
| FORT WAYNE, IN (FHA|USDA|VA) | 76 | $17,790,000 | $234,079 | $5,900 | 7.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 41 | $15,735,000 | $383,780 | $5,924 | 6.68% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 27 | $15,625,000 | $578,704 | $10,436 | 6.37% |
| BOULDER, CO (FHA|USDA|VA) | 25 | $15,275,000 | $611,000 | $10,110 | 6.64% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 29 | $14,375,000 | $495,690 | $11,319 | 6.44% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 20 | $13,820,000 | $691,000 | $10,333 | 6.71% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 34 | $13,640,000 | $401,176 | $10,176 | 6.41% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 58 | $13,560,000 | $233,793 | $6,230 | 6.51% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 17 | $12,525,000 | $736,765 | $11,190 | 6.74% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 42 | $11,660,000 | $277,619 | $5,497 | 6.76% |
| TULSA, OK (FHA|USDA|VA) | 35 | $10,805,000 | $308,714 | $9,948 | 6.35% |
| Kerrville, TX (FHA|USDA|VA) | 28 | $9,340,000 | $333,571 | $10,285 | 6.53% |
| Show Low, AZ (FHA|USDA|VA) | 28 | $9,010,000 | $321,786 | $8,622 | 6.78% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 32 | $8,590,000 | $268,438 | $8,511 | 6.71% |
| FORT COLLINS, CO (FHA|USDA|VA) | 18 | $8,210,000 | $456,111 | $7,635 | 6.89% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 18 | $7,450,000 | $413,889 | $12,733 | 6.94% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 20 | $7,020,000 | $351,000 | $7,522 | 6.43% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 16 | $6,340,000 | $396,250 | $10,055 | 6.71% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 15 | $6,065,000 | $404,333 | $6,732 | 6.85% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 27 | $5,635,000 | $208,704 | $6,707 | 7.04% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $5,445,000 | $605,000 | $8,461 | 6.57% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 17 | $5,375,000 | $316,176 | $5,185 | 6.95% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 17 | $5,325,000 | $313,235 | $7,873 | 6.94% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 18 | $5,070,000 | $281,667 | $8,719 | 6.49% |
| Williston, ND (FHA|USDA|VA) | 16 | $5,010,000 | $313,125 | $10,850 | 6.45% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $4,995,000 | $713,571 | $10,199 | 6.86% |
| BEND, OR (FHA|USDA|VA) | 6 | $4,880,000 | $813,333 | $10,212 | 6.77% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $4,810,000 | $400,833 | $7,499 | 6.81% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 11 | $4,675,000 | $425,000 | $10,133 | 6.90% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 11 | $4,375,000 | $397,727 | $8,409 | 6.49% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 13 | $4,275,000 | $328,846 | $11,090 | 6.24% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 10 | $4,070,000 | $407,000 | $10,226 | 6.48% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $4,025,000 | $575,000 | $9,106 | 6.59% |
| Payson, AZ (FHA|USDA|VA) | 12 | $3,910,000 | $325,833 | $8,634 | 7.12% |
| PUEBLO, CO (FHA|USDA|VA) | 11 | $3,805,000 | $345,909 | $8,825 | 6.61% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 9 | $3,775,000 | $419,444 | $9,733 | 6.59% |
| RICHMOND, VA (FHA|USDA|VA) | 11 | $3,755,000 | $341,364 | $8,583 | 6.72% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 5 | $3,595,000 | $719,000 | $21,103 | 6.30% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 9 | $3,375,000 | $375,000 | $9,175 | 6.65% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 9 | $3,315,000 | $368,333 | $9,848 | 6.79% |
| APPLETON, WI (FHA|USDA|VA) | 11 | $3,225,000 | $293,182 | $7,435 | 6.26% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 11 | $3,215,000 | $292,273 | $10,101 | 6.45% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 8 | $3,180,000 | $397,500 | $11,008 | 6.95% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 7 | $3,135,000 | $447,857 | $8,291 | 6.45% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $3,095,000 | $619,000 | $7,641 | 6.93% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 11 | $2,995,000 | $272,273 | $8,675 | 6.74% |
| Fredericksburg, TX (FHA|USDA|VA) | 7 | $2,965,000 | $423,571 | $10,630 | 6.66% |
| LAFAYETTE, LA (FHA|USDA|VA) | 8 | $2,920,000 | $365,000 | $9,344 | 6.89% |
| Nogales, AZ (FHA|USDA|VA) | 11 | $2,915,000 | $265,000 | $7,121 | 6.94% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 9 | $2,805,000 | $311,667 | $10,286 | 6.47% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $2,780,000 | $695,000 | $9,269 | 6.90% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 8 | $2,770,000 | $346,250 | $4,042 | 6.76% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 9 | $2,695,000 | $299,444 | $6,748 | 6.83% |
| SALEM, OR (FHA|USDA|VA) | 7 | $2,655,000 | $379,286 | $8,924 | 6.55% |
| BATON ROUGE, LA (FHA|USDA|VA) | 8 | $2,610,000 | $326,250 | $12,326 | 6.41% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $2,580,000 | $430,000 | $12,197 | 6.42% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 9 | $2,545,000 | $282,778 | $7,462 | 6.53% |
| Centralia, WA (FHA|USDA|VA) | 6 | $2,520,000 | $420,000 | $10,195 | 6.69% |
| Glenwood Springs, CO (FHA|USDA|VA) | 3 | $2,495,000 | $831,667 | $11,445 | 6.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 7 | $2,395,000 | $342,143 | $9,627 | 6.89% |
| KNOXVILLE, TN (FHA|USDA|VA) | 6 | $2,380,000 | $396,667 | $4,979 | 6.67% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $2,190,000 | $547,500 | $11,371 | 6.72% |
| COLUMBUS, OH (FHA|USDA|VA) | 7 | $2,165,000 | $309,286 | $7,876 | 6.96% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 7 | $2,115,000 | $302,143 | $7,441 | 6.61% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 6 | $2,090,000 | $348,333 | $11,482 | 6.17% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $7,663 | 6.61% |
| Cañon City, CO (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $6,627 | 6.80% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 9 | $1,895,000 | $210,556 | $7,416 | 7.05% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $1,855,000 | $371,000 | $10,446 | 6.37% |
| Kendallville, IN (FHA|USDA|VA) | 9 | $1,825,000 | $202,778 | $5,026 | 6.57% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $12,762 | 6.15% |
| Auburn, IN (FHA|USDA|VA) | 10 | $1,730,000 | $173,000 | $4,532 | 7.65% |
| LAS CRUCES, NM (FHA|USDA|VA) | 7 | $1,715,000 | $245,000 | $6,637 | 6.52% |
| EL PASO, TX (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $7,846 | 6.31% |
| Steamboat Springs, CO (FHA|USDA|VA) | 4 | $1,610,000 | $402,500 | $7,056 | 6.91% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 6 | $1,600,000 | $266,667 | $9,304 | 6.73% |
| Bozeman, MT (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $6,092 | 7.12% |
| FARGO, ND-MN (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $8,805 | 6.17% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $8,690 | 6.62% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $6,037 | 7.19% |
| Pottsville, PA (FHA|USDA|VA) | 7 | $1,505,000 | $215,000 | $5,935 | 7.00% |
| Breckenridge, CO (FHA|USDA|VA) | 3 | $1,485,000 | $495,000 | $11,689 | 6.33% |
| GOLDSBORO, NC (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $6,076 | 6.52% |
| BOISE CITY, ID (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $5,697 | 6.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $17,198 | 7.83% |
| Angola, IN (FHA|USDA|VA) | 2 | $1,400,000 | $700,000 | $5,878 | 7.19% |
| Kalispell, MT (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $7,576 | 6.71% |
| Manitowoc, WI (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $7,181 | 6.60% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $10,189 | 6.15% |
| WACO, TX (FHA|USDA|VA) | 2 | $1,310,000 | $655,000 | $16,823 | 6.94% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $8,910 | 7.53% |
| RACINE, WI (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $4,810 | 6.94% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $9,175 | 6.54% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $9,941 | 6.70% |
| IOWA CITY, IA (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $2,711 | 6.85% |
| Huntsville, TX (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $8,619 | 6.92% |
| Miami, OK (FHA|USDA|VA) | 8 | $1,220,000 | $152,500 | $5,278 | 6.44% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $4,638 | 6.31% |
| Spirit Lake, IA (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $5,252 | 6.37% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $14,080 | 6.31% |
| Bay City, TX (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $8,482 | 6.75% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $8,327 | 6.18% |
| Roseburg, OR (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $8,910 | 6.34% |
| Corsicana, TX (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $8,373 | 7.04% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $1,095,000 | $1,095,000 | $9,452 | 6.63% |
| Montrose, CO (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $9,870 | 6.59% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $6,664 | 6.75% |
| CHEYENNE, WY (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $12,756 | 6.38% |
| Fort Morgan, CO (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $12,138 | 5.67% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $7,947 | 6.96% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $11,260 | 6.67% |
| AKRON, OH (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $5,719 | 6.62% |
| Spencer, IA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $4,486 | 6.40% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $5,302 | 7.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $4,293 | 6.71% |
| Astoria, OR (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $10,940 | 6.41% |
| Helena, MT (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $20,128 | 5.94% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $12,328 | 6.40% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $9,212 | 6.44% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $4,998 | 5.92% |
| Beaver Dam, WI (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $6,181 | 6.29% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $9,316 | 7.08% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $6,396 | 7.22% |
| Port Lavaca, TX (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $11,350 | 7.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $15,425 | 6.38% |
| READING, PA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,731 | 7.38% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $8,105 | 6.13% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $7,273 | 6.93% |
| Shawnee, OK (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $9,479 | 6.71% |
| Athens, TX (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $8,869 | 7.13% |
| Carroll, IA (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $4,036 | 6.37% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $0 | 6.99% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $29,298 | 6.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $9,963 | 7.12% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $0 | 6.62% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $9,353 | 6.44% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $8,579 | 6.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $4,233 | 6.50% |
| Durango, CO (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $10,412 | 6.63% |
| YUMA, AZ (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $8,445 | 6.54% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $5,857 | 7.16% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $4,907 | 6.99% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $9,850 | 6.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $21,109 | 6.75% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,375 | 7.00% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $10,322 | 6.71% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $7,978 | 6.44% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $9,863 | 7.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $8,954 | 6.88% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $9,564 | 5.94% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $8,231 | 6.87% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $15,816 | 6.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $6,783 | 6.63% |
| Huntington, IN (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,743 | 6.19% |
| Brenham, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,732 | 7.00% |
| Stevens Point, WI (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,796 | 6.46% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,852 | 7.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,618 | 7.06% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,009 | 6.75% |
| TYLER, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,841 | 6.75% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,553 | 6.81% |
| MADISON, WI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,550 | 6.81% |
| Heber, UT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,242 | 6.75% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $5,517 | 6.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $22,662 | 5.75% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,600 | 6.62% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,861 | 6.31% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,366 | 7.50% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $8,118 | 6.25% |
| Española, NM (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $12,149 | 6.50% |
| Willmar, MN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,506 | 6.63% |
| Marinette, WI-MI (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $7,325 | 6.83% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,798 | 6.99% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $11,686 | 6.19% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,131 | 5.75% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,743 | 6.49% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $12,800 | 6.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,699 | 7.31% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,896 | 7.12% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,078 | 6.62% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $17,635 | 6.13% |
| Sterling, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $12,771 | 6.13% |
| Andrews, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $9,969 | 6.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $14,271 | 6.75% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,020 | 6.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,590 | 7.63% |
| Ashland, OH (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 7.50% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $19,339 | 5.75% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $15,279 | 7.13% |
| MERCED, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $11,905 | 6.63% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,373 | 7.50% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $22,142 | 6.25% |
| Storm Lake, IA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,607 | 6.56% |
| Wilson, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,522 | 6.68% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,785 | 6.49% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,950 | 6.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,884 | 7.13% |
| Parsons, KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,548 | 7.13% |
| Wabash, IN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,412 | 6.56% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,451 | 7.38% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $15,462 | 5.88% |
| Lufkin, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $10,178 | 6.81% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,725 | 6.63% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,200 | 6.75% |
| Sandusky, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,080 | 6.63% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,494 | 6.99% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,736 | 6.13% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,353 | 7.63% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,635 | 7.38% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $16,285 | 6.75% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,821 | 7.63% |
| El Campo, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,767 | 6.99% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,559 | 6.19% |
| Wooster, OH (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,975 | 7.31% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,728 | 7.13% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,163 | 7.13% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,361 | 7.63% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,897 | 7.00% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,049 | 6.63% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,862 | 6.31% |
| FLINT, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,586 | 6.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,503 | 6.63% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,512 | 6.63% |
| Durant, OK (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,215 | 6.25% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,385 | 6.63% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,290 | 7.13% |
| RENO, NV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,620 | 6.12% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,243 | 6.38% |
| Kearney, NE (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,997 | 6.63% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,065 | 6.49% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,700 | 8.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,237 | 6.62% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $15,665 | 5.75% |
| Columbus, NE (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,691 | 5.99% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $16,186 | 5.75% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $16,184 | 6.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,407 | 6.99% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,441 | 5.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,607 | 5.93% |
| Russellville, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $749 | 6.25% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,122 | 6.63% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,701 | 7.99% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,529 | 6.75% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,856 | 6.50% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,784 | 4.25% |
| Lake City, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,989 | 7.75% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 7.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,970 | 7.63% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,658 | 6.75% |
| Duncan, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,654 | 5.75% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,872 | 7.13% |
| AMES, IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,605 | 6.99% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,420 | 6.13% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,530 | 6.75% |
| Oil City, PA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,467 | 3.81% |
| Decatur, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,144 | 5.75% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,374 | 6.50% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,037 | 7.13% |
| CHICO, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,894 | 6.38% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,037 | 6.50% |
| Holland, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,914 | 7.13% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.50% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.63% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,305 | 6.75% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,948 | 6.50% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.13% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,820 | 5.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,534 | 6.50% |
| London, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,761 | 6.25% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,014 | 6.13% |
| Shawano, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,541 | 6.13% |
| Safford, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.13% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.63% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.63% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,964 | 6.75% |
| Seymour, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,996 | 7.25% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,922 | 7.63% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,054 | 6.63% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,163 | 6.63% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,755 | 6.38% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,915 | 7.13% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.50% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,516 | 6.50% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,080 | 6.63% |
| McAlester, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,917 | 6.99% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,228 | 6.63% |
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Product Mix
For 2024, V.i.p. Mortgage's most frequently originated type of loan was Conventional, with 4,507 originations. Their 2nd most popular type was FHA, with 1,702 originations.
Loan Reason
For 2024, V.i.p. Mortgage's most frequently cited loan purpose was Home Purchase, with 6,068 originations. The 2nd most popular reason was Refi, with 574 originations.
Loan Duration/Length
For 2024, V.i.p. Mortgage's most frequently cited loan duration was 30 Year, with 6,767 originations. The 2nd most popular length was Other, with 74 originations.
Origination Fees/Closing Costs
V.i.p. Mortgage's average total fees were $9,768, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,320 originations.
Interest Rates
During 2024, V.i.p. Mortgage's average interest rate for loans was 6.61%, while their most frequently originated rate bucket for loans was 6-7%, with 3,999 originations.
Loan Sizing
2024 saw V.i.p. Mortgage place emphasis on $200k-400k loans with 3,416 originations, totaling $1,030,280,000 in origination value.
Applicant Income
V.i.p. Mortgage lent most frequently to those with incomes in the $100k-150k range, with 1,971 originations. The second most popular income band? $150k-250k, with 1,628 originations.
Applicant Debt to Income Ratio
V.i.p. Mortgage lent most frequently to those with DTI ratios of 30-36%, with 1,014 originations. The next most common DTI ratio? 20-30%, with 815 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.98%
V.i.p. Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination75.56%
V.i.p. Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,989 | $2,705,645,000 | $387,129 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6,989 | $2,705,645,000 | $387,129 |