First Option Mortgage Rates, Fees & Info

Atlanta, GA

LEI: 549300PFJ7GCGDLB2E65

Tax ID: 68-0570826

1.4 stars - Updated: 5/14/24 - out of 5 stars, based on 46 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

First Option Mortgage is a smaller mortgage company specializing in Home Purchase loans. First Option Mortgage has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Indianapolis, Gainesville, Las Vegas, and Dallas among others. We have data for 102 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Option 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. First Option 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 7.37% 5/14/24
30 Year Conventional Refi 6.91% 5/14/24
30 Year Cash-out Refi 7.10% 5/14/24
30 Year FHA Purchase 7.61% 5/14/24
30 Year FHA Refi 7.53% 5/14/24
30 Year VA Purchase 6.66% 5/14/24
30 Year USDA Purchase 7.08% 5/14/24
15 Year Conventional Purchase 6.36% 5/14/24
15 Year Conventional Refi 6.20% 5/14/24
15 Year Cash-out Refi 6.20% 5/14/24
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.

First Option Mortgage Mortgage Calculator






Your Estimates

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

This is not an official calculator from First Option 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

2,111

Origination Dollar Volume (All Markets)

$627,785,000

Awards

First Option Mortgage FHA Loans silver
Show all (1) awards

Relative Rate

First Option Mortgage's average 30 year fixed mortgage rate was 7.18%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.7%.

Relative Fees (Closing Costs)

First Option Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $10,591.

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
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1,027 $329,335,000 $320,677 $11,339 7.58%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 158 $37,520,000 $237,468 $7,881 6.68%
GAINESVILLE, GA (FHA|USDA|VA) 90 $25,870,000 $287,444 $11,028 7.13%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 78 $25,140,000 $322,308 $10,244 6.75%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 45 $19,745,000 $438,778 $11,585 7.34%
JACKSONVILLE, FL (FHA|USDA|VA) 72 $17,690,000 $245,694 $8,361 5.89%
Outside of Metro Areas 58 $14,820,000 $255,517 $9,787 7.01%
LAREDO, TX (FHA|USDA|VA) 72 $12,160,000 $168,889 $7,289 4.68%
Jefferson, GA (FHA|USDA|VA) 32 $11,290,000 $352,813 $12,357 7.09%
BATON ROUGE, LA (FHA|USDA|VA) 39 $11,095,000 $284,487 $8,433 7.16%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 28 $9,610,000 $343,214 $13,859 7.59%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 24 $9,570,000 $398,750 $12,468 6.96%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 27 $7,555,000 $279,815 $9,556 6.24%
EL PASO, TX (FHA|USDA|VA) 30 $7,450,000 $248,333 $11,236 6.93%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 26 $6,670,000 $256,538 $11,597 7.21%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 21 $6,555,000 $312,143 $9,679 7.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $5,595,000 $430,385 $15,364 8.93%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 11 $5,565,000 $505,909 $12,174 8.59%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 23 $4,965,000 $215,870 $8,316 7.68%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 18 $4,670,000 $259,444 $12,983 6.67%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 10 $4,660,000 $466,000 $15,152 7.84%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $2,860,000 $286,000 $9,693 7.95%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $2,325,000 $332,143 $10,242 6.61%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 8 $2,100,000 $262,500 $8,044 6.11%
WARNER ROBINS, GA (FHA|USDA|VA) 9 $2,085,000 $231,667 $8,891 6.92%
Cornelia, GA (FHA|USDA|VA) 8 $1,930,000 $241,250 $10,507 6.89%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 11 $1,665,000 $151,364 $7,957 7.22%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,295,000 $431,667 $17,634 6.71%
DALTON, GA (FHA|USDA|VA) 5 $1,295,000 $259,000 $8,139 7.13%
COLUMBIA, SC (FHA|USDA|VA) 4 $1,290,000 $322,500 $8,590 6.88%
Zapata, TX (FHA|USDA|VA) 7 $1,235,000 $176,429 $6,428 4.66%
TERRE HAUTE, IN (FHA|USDA|VA) 9 $1,175,000 $130,556 $6,163 6.83%
ASHEVILLE, NC (FHA|USDA|VA) 4 $1,120,000 $280,000 $10,368 7.13%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $940,000 $235,000 $8,204 7.63%
VALDOSTA, GA (FHA|USDA|VA) 4 $930,000 $232,500 $9,441 7.19%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $925,000 $308,333 $8,821 7.29%
Calhoun, GA (FHA|USDA|VA) 4 $890,000 $222,500 $13,014 8.06%
RICHMOND, VA (FHA|USDA|VA) 2 $890,000 $445,000 $20,997 6.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $845,000 $169,000 $5,913 6.15%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $845,000 $281,667 $12,229 6.58%
LAS CRUCES, NM (FHA|USDA|VA) 3 $845,000 $281,667 $12,565 6.92%
New Castle, IN (FHA|USDA|VA) 4 $840,000 $210,000 $6,744 7.25%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $830,000 $415,000 $7,364 7.19%
LaGrange, GA-AL (FHA|USDA|VA) 3 $795,000 $265,000 $9,485 6.75%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $755,000 $755,000 $17,026 7.13%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $725,000 $725,000 $10,789 7.38%
KNOXVILLE, TN (FHA|USDA|VA) 2 $720,000 $360,000 $12,972 7.06%
AKRON, OH (FHA|USDA|VA) 1 $685,000 $685,000 $11,435 9.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $685,000 $228,333 $8,518 8.25%
Toccoa, GA (FHA|USDA|VA) 4 $680,000 $170,000 $7,059 7.03%
RENO, NV (FHA|USDA|VA) 1 $635,000 $635,000 $25,982 6.63%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $615,000 $205,000 $9,306 9.29%
Crawfordsville, IN (FHA|USDA|VA) 5 $595,000 $119,000 $6,031 7.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $595,000 $198,333 $8,106 9.33%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $585,000 $195,000 $9,762 6.38%
Harrison, AR (FHA|USDA|VA) 1 $575,000 $575,000 $10,541 7.25%
Pahrump, NV (FHA|USDA|VA) 2 $550,000 $275,000 $8,634 6.50%
Cedartown, GA (FHA|USDA|VA) 2 $540,000 $270,000 $10,023 7.13%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $530,000 $265,000 $9,629 7.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $510,000 $255,000 $7,166 6.56%
Pearsall, TX (FHA|USDA|VA) 2 $500,000 $250,000 $14,208 6.31%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $475,000 $475,000 $15,013 7.75%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $455,000 $455,000 $13,414 6.38%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $430,000 $215,000 $8,013 7.31%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $415,000 $415,000 $11,535 6.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $380,000 $190,000 $9,002 8.44%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $375,000 $375,000 $8,288 7.13%
GAINESVILLE, FL (FHA|USDA|VA) 2 $340,000 $170,000 $4,538 8.56%
Frankfort, IN (FHA|USDA|VA) 2 $330,000 $165,000 $4,943 7.81%
COLUMBUS, IN (FHA|USDA|VA) 1 $325,000 $325,000 $3,555 7.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $285,000 $285,000 $5,801 7.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $285,000 $285,000 $13,280 6.75%
CLEVELAND, TN (FHA|USDA|VA) 1 $275,000 $275,000 $10,137 6.50%
Summerville, GA (FHA|USDA|VA) 2 $270,000 $135,000 $4,884 7.69%
LOUISVILLE, KY (FHA|USDA|VA) 1 $265,000 $265,000 $10,013 7.63%
ROME, GA (FHA|USDA|VA) 2 $260,000 $130,000 $4,614 8.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $255,000 $255,000 $8,469 7.25%
St. Marys, GA (FHA|USDA|VA) 1 $255,000 $255,000 $12,151 7.63%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $245,000 $245,000 $14,239 6.63%
Eagle Pass, TX (FHA|USDA|VA) 1 $235,000 $235,000 $8,207 6.88%
Brownsville, TN (FHA|USDA|VA) 2 $230,000 $115,000 $6,231 8.13%
North Vernon, IN (FHA|USDA|VA) 1 $225,000 $225,000 $6,744 7.25%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $225,000 $225,000 $7,165 6.50%
BRUNSWICK, GA (FHA|USDA|VA) 1 $215,000 $215,000 $6,960 7.00%
LAFAYETTE, LA (FHA|USDA|VA) 2 $210,000 $105,000 $5,066 6.38%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $205,000 $205,000 $6,333 6.88%
MORRISTOWN, TN (FHA|USDA|VA) 1 $205,000 $205,000 $4,364 7.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.38%
Seymour, IN (FHA|USDA|VA) 1 $205,000 $205,000 $7,055 7.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $185,000 $185,000 $8,311 5.63%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $2,911 6.63%
Forest City, NC (FHA|USDA|VA) 1 $175,000 $175,000 $7,894 6.63%
Searcy, AR (FHA|USDA|VA) 1 $165,000 $165,000 $7,039 6.63%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $145,000 $145,000 $4,765 6.50%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $145,000 $145,000 $8,806 6.50%
Pottsville, PA (FHA|USDA|VA) 1 $135,000 $135,000 $6,807 7.25%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,409 8.13%
Athens, TX (FHA|USDA|VA) 1 $115,000 $115,000 $6,184 6.25%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.38%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $105,000 $105,000 $5,840 7.00%
DANVILLE, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,828 7.50%
Wabash, IN (FHA|USDA|VA) 1 $75,000 $75,000 $3,930 6.13%
First Option Mortgage's top markets include Atlanta, Indianapolis, Gainesville, Las Vegas, and Dallas among others.

Their top states include:
  • Georgia (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against First Option Mortgage based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Forcht Bank
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,311 $389,305,000 $296,953 $8,434 7.43%
    FHA 731 $215,745,000 $295,137 $14,111 6.79%
    VA 51 $18,955,000 $371,667 $10,775 6.75%
    USDA 18 $3,780,000 $210,000 $7,668 6.60%

    For 2023, First Option Mortgage's most frequently originated type of loan was Conventional, with 1,311 originations. Their 2nd most popular type was FHA, with 731 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,002 $598,180,000 $298,791 $10,523 7.16%
    Cash Out Refi 87 $21,725,000 $249,713 $9,778 7.75%
    Refi 22 $7,880,000 $358,182 $9,664 7.15%

    For 2023, First Option Mortgage's most frequently cited loan purpose was Home Purchase, with 2,002 originations. The 2nd most popular reason was Cash Out Refi, with 87 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,056 $616,520,000 $299,864 $10,591 7.18%
    15 Year 24 $6,370,000 $265,417 $7,290 6.91%
    20 Year 11 $2,785,000 $253,182 $9,826 9.85%
    Other 10 $1,250,000 $125,000 $3,075 10.67%
    10 Year 8 $180,000 $22,500 $370 4.34%
    30+ year 1 $675,000 $675,000 $12,548 9.38%
    3 Year 1 $5,000 $5,000 $0 0.00%

    For 2023, First Option Mortgage's most frequently cited loan duration was 30 Year, with 2,056 originations. The 2nd most popular length was 15 Year, with 24 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,170 $406,710,000 $347,615
    $4k-5k 262 $67,340,000 $257,023
    $3k-4k 237 $55,155,000 $232,722
    $2k-3k 167 $36,925,000 $221,108
    $1k-2k 162 $48,210,000 $297,593
    $<1k 74 $5,970,000 $80,676

    First Option Mortgage's average total fees were $10,591, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,170 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 874 $262,140,000 $299,931
    7-8% 739 $233,085,000 $315,406
    Over 8% 304 $92,990,000 $305,888
    5-6% 134 $37,900,000 $282,836
    <2.5% 53 $505,000 $9,528
    4-5% 3 $1,115,000 $371,667

    During 2023, First Option Mortgage's average interest rate for loans was 7.18%, while their most frequently originated rate bucket for loans was 6-7%, with 874 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,341 $387,895,000 $289,258 $10,772 7.32%
    $100k-200k 337 $54,215,000 $160,875 $7,055 7.49%
    $400k-600k 269 $126,845,000 $471,543 $14,599 7.38%
    $100,000 or less 96 $3,430,000 $35,729 $1,771 3.28%
    $600k-1MM 54 $36,990,000 $685,000 $15,894 7.48%
    $1MM+ 14 $18,410,000 $1,315,000 $20,547 7.86%

    2023 saw First Option Mortgage place emphasis on $200k-400k loans with 1,341 originations, totaling $387,895,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 537 $121,555,000 $226,359 $8,878 6.55%
    $75k-100k 514 $145,800,000 $283,658 $10,376 7.14%
    $100k-150k 434 $144,700,000 $333,410 $11,141 7.38%
    $50k or less 283 $62,475,000 $220,760 $11,020 7.06%
    $150k-250k 230 $90,680,000 $394,261 $11,510 7.96%
    $250k+ 113 $62,575,000 $553,761 $12,994 8.33%

    First Option Mortgage lent most frequently to those with incomes in the $50k-75k range, with 537 originations. The second most popular income band? $75k-100k, with 514 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 288 $84,890,000 $294,757 $13,061 6.54%
    30-36% 271 $78,185,000 $288,506 $9,145 7.45%
    20-30% 160 $46,300,000 $289,375 $8,862 7.80%
    49% 151 $46,175,000 $305,795 $10,500 6.98%
    46% 115 $34,155,000 $297,000 $10,750 6.95%
    47% 104 $33,110,000 $318,365 $9,927 7.07%
    43% 103 $29,805,000 $289,369 $9,134 7.43%
    44% 95 $28,255,000 $297,421 $10,371 6.83%
    48% 86 $28,440,000 $330,698 $11,041 7.10%
    41% 83 $23,895,000 $287,892 $9,431 6.77%
    40% 79 $25,815,000 $326,772 $9,359 6.92%
    <20% 75 $24,645,000 $328,600 $9,418 8.63%
    42% 73 $19,905,000 $272,671 $9,594 6.89%
    45% 73 $22,535,000 $308,699 $10,262 6.99%
    38% 66 $18,890,000 $286,212 $9,827 7.29%
    39% 60 $15,880,000 $264,667 $8,637 6.90%
    37% 58 $15,250,000 $262,931 $8,423 7.43%
    36% 53 $14,035,000 $264,811 $8,554 7.17%
    >60% 8 $3,510,000 $438,750 $10,918 5.73%

    First Option Mortgage lent most frequently to those with DTI ratios of 50-60%, with 288 originations. The next most common DTI ratio? 30-36%, with 271 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,636 $466,740,000 $285,293 $10,387 7.26%
    Asian 250 $96,750,000 $387,000 $10,531 7.29%
    Black 206 $57,910,000 $281,117 $10,544 6.39%
    American Indian 16 $5,440,000 $340,000 $18,348 7.73%
    Native Hawaiian or Islander 3 $945,000 $315,000 $18,053 7.83%

    Approval Rates

    Total approvals of all applications
    96.85%

    First Option 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 origination
    65.04%

    First Option 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 2,111 $627,785,000 $297,387

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,111 $627,785,000 $297,387

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 31 $5,115,000 $165,000 $6,123 7.30%
    40-60% 79 $17,995,000 $227,785 $7,283 7.28%
    60-80% 439 $138,225,000 $314,863 $9,649 8.38%
    80-100% 1,485 $461,085,000 $310,495 $11,355 7.07%
    Over 100% 10 $3,870,000 $387,000 $19,139 6.70%
    Under 20% 67 $1,495,000 $22,313 $545 1.41%