Blucurrent Mortgage Rates, Fees & Info
SPRINGFIELD, MOLEI: 549300PHPKOL5FJ7D438
Tax ID: 44-0444275
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Mortgage Data
Review & Overview
Blucurrent is a smaller mortgage company specializing in Refi loans. Blucurrent has an average proportion of conventional loans. Their top markets by origination volume include: Springfield, Branson, Joplin, Lebanon, and Kansas City among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Blucurrent has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 10/13/24 |
| 30 Year Conventional Purchase | 7.22% | 10/13/24 |
| 30 Year Conventional Refi | 7.12% | 10/13/24 |
| 30 Year Cash-out Refi | 7.25% | 10/13/24 |
| 30 Year FHA Purchase | 7.75% | 10/13/24 |
| 15 Year Conventional Purchase | 6.08% | 10/13/24 |
| 15 Year Conventional Refi | 5.68% | 10/13/24 |
| 15 Year Cash-out Refi | 5.68% | 10/13/24 |
| 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. | ||
Blucurrent Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
299Origination Dollar Volume (All Markets)
$22,245,000Top 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 |
|---|---|---|---|---|---|
| SPRINGFIELD, MO (FHA|USDA|VA) | 266 | $19,630,000 | $73,797 | $0 | 5.53% |
| Outside of Metro Areas | 19 | $1,905,000 | $100,263 | $0 | 5.84% |
| Branson, MO (FHA|USDA|VA) | 6 | $370,000 | $61,667 | $0 | 6.63% |
| JOPLIN, MO (FHA|USDA|VA) | 5 | $185,000 | $37,000 | $0 | 5.15% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against BLUCURRENT based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 265 | $17,155,000 | $64,736 | n/a | 5.60% |
| Conventional | 34 | $5,090,000 | $149,706 | $0 | 5.20% |
For 2019, Blucurrent's most frequently originated type of loan was HELOC, with 265 originations. Their 2nd most popular type was Conventional, with 34 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 258 | $15,050,000 | $58,333 | $0 | 5.58% |
| Home Purchase | 27 | $3,495,000 | $129,444 | $0 | 5.57% |
| Home Improvement | 14 | $3,700,000 | $264,286 | $0 | 5.04% |
For 2019, Blucurrent's most frequently cited loan purpose was Refi, with 258 originations. The 2nd most popular reason was Home Purchase, with 27 originations.
Loan Duration/Length
For 2019, Blucurrent's most frequently cited loan duration was 15 Year, with 252 originations. The 2nd most popular length was 5 Year, with 30 originations.
Interest Rates
During 2019, Blucurrent's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 4-5%, with 134 originations.
Loan Sizing
2019 saw Blucurrent place emphasis on $100,000 or less loans with 243 originations, totaling $10,285,000 in origination value.
Applicant Income
Blucurrent lent most frequently to those with incomes in the $100k-150k range, with 76 originations. The second most popular income band? $50k or less, with 76 originations.
Applicant Debt to Income Ratio
Blucurrent lent most frequently to those with DTI ratios of 20-30%, with 70 originations. The next most common DTI ratio? <20%, with 53 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 295 | $22,075,000 | $74,831 | $0 | 5.56% |
| Black | 3 | $145,000 | $48,333 | $0 | 5.67% |
| Asian | 1 | $25,000 | $25,000 | $0 | 5.00% |
Approval Rates
Total approvals of all applications75.59%
Blucurrent has a below average approval rate.
Pick Rate
Approvals leading to origination86.62%
Blucurrent has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1002.5 | 1 | $105,000 | $105,000 |
| 1026.0 | 1 | $55,000 | $55,000 |
| 1051.85 | 1 | $105,000 | $105,000 |
| 1063.9 | 1 | $45,000 | $45,000 |
| 1100.25 | 1 | $135,000 | $135,000 |
| 1121.0 | 1 | $205,000 | $205,000 |
| 115.0 | 1 | $25,000 | $25,000 |
| 1218.95 | 1 | $165,000 | $165,000 |
| 1321.3 | 1 | $185,000 | $185,000 |
| 1394.76 | 1 | $305,000 | $305,000 |
| 1434.7 | 1 | $15,000 | $15,000 |
| 1645.7 | 1 | $165,000 | $165,000 |
| 1676.25 | 1 | $255,000 | $255,000 |
| 1689.32 | 1 | $135,000 | $135,000 |
| 1729.14 | 1 | $195,000 | $195,000 |
| 1945.0 | 1 | $185,000 | $185,000 |
| 199.36 | 1 | $15,000 | $15,000 |
| 201.2 | 1 | $25,000 | $25,000 |
| 203.5 | 1 | $25,000 | $25,000 |
| 222.3 | 1 | $15,000 | $15,000 |
| 226.0 | 1 | $55,000 | $55,000 |
| 231.2 | 1 | $25,000 | $25,000 |
| 2372.41 | 1 | $135,000 | $135,000 |
| 244.0 | 1 | $25,000 | $25,000 |
| 268.5 | 1 | $25,000 | $25,000 |
| 2702.2 | 1 | $235,000 | $235,000 |
| 272.56 | 1 | $35,000 | $35,000 |
| 3057.0 | 1 | $605,000 | $605,000 |
| 3238.9 | 1 | $115,000 | $115,000 |
| 325.0 | 1 | $45,000 | $45,000 |
| 357.0 | 1 | $15,000 | $15,000 |
| 363.8 | 1 | $15,000 | $15,000 |
| 364.0 | 1 | $25,000 | $25,000 |
| 372.0 | 1 | $25,000 | $25,000 |
| 375.5 | 1 | $65,000 | $65,000 |
| 376.0 | 1 | $25,000 | $25,000 |
| 377.0 | 1 | $15,000 | $15,000 |
| 377.8 | 1 | $15,000 | $15,000 |
| 378.2 | 1 | $15,000 | $15,000 |
| 3813.48 | 1 | $645,000 | $645,000 |
| 382.0 | 1 | $15,000 | $15,000 |
| 383.0 | 1 | $15,000 | $15,000 |
| 384.0 | 1 | $65,000 | $65,000 |
| 388.5 | 1 | $15,000 | $15,000 |
| 389.0 | 2 | $40,000 | $20,000 |
| 393.0 | 1 | $35,000 | $35,000 |
| 396.0 | 1 | $15,000 | $15,000 |
| 397.0 | 3 | $35,000 | $11,667 |
| 399.5 | 1 | $25,000 | $25,000 |
| 402.5 | 1 | $15,000 | $15,000 |
| 405.0 | 2 | $50,000 | $25,000 |
| 407.0 | 3 | $75,000 | $25,000 |
| 408.4 | 1 | $25,000 | $25,000 |
| 410.0 | 2 | $60,000 | $30,000 |
| 410.5 | 1 | $25,000 | $25,000 |
| 412.0 | 4 | $90,000 | $22,500 |
| 413.1 | 1 | $25,000 | $25,000 |
| 415.0 | 1 | $25,000 | $25,000 |
| 416.5 | 1 | $45,000 | $45,000 |
| 417.0 | 1 | $15,000 | $15,000 |
| 418.0 | 1 | $25,000 | $25,000 |
| 418.5 | 1 | $5,000 | $5,000 |
| 419.9 | 1 | $35,000 | $35,000 |
| 421.0 | 3 | $35,000 | $11,667 |
| 422.5 | 1 | $35,000 | $35,000 |
| 426.0 | 5 | $95,000 | $19,000 |
| 427.0 | 2 | $70,000 | $35,000 |
| 427.7 | 1 | $15,000 | $15,000 |
| 428.0 | 1 | $35,000 | $35,000 |
| 4280.1 | 1 | $285,000 | $285,000 |
| 428.2 | 1 | $15,000 | $15,000 |
| 429.2 | 1 | $15,000 | $15,000 |
| 430.0 | 2 | $90,000 | $45,000 |
| 4301.0 | 1 | $25,000 | $25,000 |
| 431.0 | 3 | $75,000 | $25,000 |
| 431.4 | 1 | $25,000 | $25,000 |
| 431.9 | 1 | $25,000 | $25,000 |
| 432.0 | 2 | $70,000 | $35,000 |
| 432.5 | 1 | $25,000 | $25,000 |
| 433.0 | 1 | $25,000 | $25,000 |
| 433.7 | 1 | $15,000 | $15,000 |
| 434.7 | 1 | $25,000 | $25,000 |
| 436.0 | 1 | $25,000 | $25,000 |
| 437.0 | 1 | $25,000 | $25,000 |
| 438.9 | 1 | $25,000 | $25,000 |
| 440.0 | 1 | $25,000 | $25,000 |
| 441.5 | 1 | $85,000 | $85,000 |
| 441.9 | 1 | $25,000 | $25,000 |
| 442.0 | 1 | $35,000 | $35,000 |
| 445.0 | 2 | $40,000 | $20,000 |
| 449.0 | 1 | $15,000 | $15,000 |
| 450.0 | 1 | $45,000 | $45,000 |
| 450.1 | 1 | $25,000 | $25,000 |
| 450.45 | 1 | $35,000 | $35,000 |
| 450.5 | 1 | $25,000 | $25,000 |
| 451.0 | 5 | $195,000 | $39,000 |
| 451.5 | 1 | $35,000 | $35,000 |
| 452.0 | 1 | $45,000 | $45,000 |
| 453.4 | 1 | $35,000 | $35,000 |
| 457.0 | 2 | $90,000 | $45,000 |
| 462.0 | 2 | $60,000 | $30,000 |
| 466.0 | 4 | $190,000 | $47,500 |
| 468.2 | 1 | $35,000 | $35,000 |
| 469.2 | 1 | $35,000 | $35,000 |
| 472.0 | 2 | $60,000 | $30,000 |
| 474.0 | 1 | $15,000 | $15,000 |
| 476.8 | 1 | $65,000 | $65,000 |
| 477.0 | 1 | $45,000 | $45,000 |
| 478.72 | 1 | $65,000 | $65,000 |
| 481.0 | 4 | $180,000 | $45,000 |
| 484.0 | 2 | $80,000 | $40,000 |
| 484.42 | 1 | $75,000 | $75,000 |
| 486.4 | 1 | $85,000 | $85,000 |
| 487.0 | 5 | $275,000 | $55,000 |
| 488.0 | 1 | $25,000 | $25,000 |
| 490.0 | 1 | $55,000 | $55,000 |
| 491.0 | 1 | $65,000 | $65,000 |
| 493.0 | 1 | $25,000 | $25,000 |
| 496.0 | 1 | $45,000 | $45,000 |
| 496.88 | 1 | $55,000 | $55,000 |
| 497.12 | 1 | $55,000 | $55,000 |
| 500.5 | 1 | $75,000 | $75,000 |
| 501.5 | 1 | $45,000 | $45,000 |
| 506.0 | 1 | $35,000 | $35,000 |
| 512.5 | 3 | $195,000 | $65,000 |
| 515.5 | 1 | $65,000 | $65,000 |
| 517.0 | 1 | $55,000 | $55,000 |
| 523.0 | 1 | $45,000 | $45,000 |
| 523.59 | 1 | $55,000 | $55,000 |
| 523.75 | 1 | $55,000 | $55,000 |
| 525.0 | 1 | $75,000 | $75,000 |
| 525.52 | 1 | $65,000 | $65,000 |
| 526.0 | 1 | $105,000 | $105,000 |
| 529.8 | 1 | $75,000 | $75,000 |
| 533.68 | 1 | $105,000 | $105,000 |
| 536.5 | 1 | $65,000 | $65,000 |
| 541.0 | 1 | $75,000 | $75,000 |
| 547.07 | 1 | $65,000 | $65,000 |
| 557.0 | 1 | $75,000 | $75,000 |
| 562.0 | 1 | $75,000 | $75,000 |
| 565.05 | 1 | $85,000 | $85,000 |
| 569.4 | 1 | $85,000 | $85,000 |
| 569.8 | 1 | $75,000 | $75,000 |
| 574.75 | 1 | $75,000 | $75,000 |
| 579.9 | 1 | $45,000 | $45,000 |
| 580.75 | 1 | $75,000 | $75,000 |
| 587.5 | 2 | $170,000 | $85,000 |
| 589.0 | 1 | $95,000 | $95,000 |
| 590.55 | 1 | $95,000 | $95,000 |
| 594.75 | 1 | $85,000 | $85,000 |
| 597.0 | 1 | $85,000 | $85,000 |
| 617.5 | 1 | $105,000 | $105,000 |
| 618.6 | 1 | $105,000 | $105,000 |
| 639.0 | 1 | $95,000 | $95,000 |
| 640.89 | 1 | $115,000 | $115,000 |
| 653.0 | 1 | $105,000 | $105,000 |
| 654.75 | 1 | $135,000 | $135,000 |
| 670.0 | 1 | $175,000 | $175,000 |
| 680.15 | 1 | $115,000 | $115,000 |
| 681.0 | 1 | $105,000 | $105,000 |
| 708.69 | 1 | $175,000 | $175,000 |
| 718.0 | 1 | $205,000 | $205,000 |
| 739.0 | 1 | $135,000 | $135,000 |
| 748.2 | 1 | $235,000 | $235,000 |
| 770.0 | 1 | $5,000 | $5,000 |
| 780.8 | 1 | $25,000 | $25,000 |
| 785.94 | 1 | $55,000 | $55,000 |
| 800.3 | 1 | $25,000 | $25,000 |
| 807.8 | 1 | $25,000 | $25,000 |
| 825.7 | 1 | $25,000 | $25,000 |
| 825.8 | 1 | $25,000 | $25,000 |
| 826.0 | 2 | $50,000 | $25,000 |
| 831.0 | 2 | $50,000 | $25,000 |
| 833.7 | 1 | $25,000 | $25,000 |
| 833.8 | 1 | $25,000 | $25,000 |
| 834.5 | 1 | $205,000 | $205,000 |
| 834.7 | 1 | $25,000 | $25,000 |
| 835.9 | 1 | $25,000 | $25,000 |
| 841.0 | 1 | $25,000 | $25,000 |
| 842.0 | 1 | $25,000 | $25,000 |
| 848.0 | 1 | $25,000 | $25,000 |
| 850.5 | 1 | $25,000 | $25,000 |
| 853.5 | 1 | $35,000 | $35,000 |
| 857.0 | 1 | $45,000 | $45,000 |
| 860.0 | 1 | $35,000 | $35,000 |
| 862.8 | 1 | $35,000 | $35,000 |
| 863.55 | 1 | $55,000 | $55,000 |
| 864.0 | 1 | $55,000 | $55,000 |
| 874.0 | 1 | $45,000 | $45,000 |
| 875.0 | 1 | $35,000 | $35,000 |
| 875.84 | 1 | $205,000 | $205,000 |
| 878.77 | 1 | $55,000 | $55,000 |
| 883.6 | 1 | $35,000 | $35,000 |
| 896.0 | 1 | $45,000 | $45,000 |
| 902.75 | 1 | $65,000 | $65,000 |
| 907.4 | 1 | $55,000 | $55,000 |
| 912.57 | 1 | $65,000 | $65,000 |
| 925.17 | 1 | $65,000 | $65,000 |
| 925.9 | 1 | $55,000 | $55,000 |
| 931.68 | 1 | $75,000 | $75,000 |
| 931.8 | 1 | $85,000 | $85,000 |
| 934.0 | 1 | $75,000 | $75,000 |
| 936.5 | 1 | $65,000 | $65,000 |
| 943.83 | 1 | $65,000 | $65,000 |
| 965.0 | 1 | $55,000 | $55,000 |
| 970.23 | 1 | $55,000 | $55,000 |
| 984.95 | 2 | $150,000 | $75,000 |
| 987.0 | 1 | $85,000 | $85,000 |
| 989.5 | 1 | $65,000 | $65,000 |
| NA | 44 | $6,900,000 | $156,818 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 1 | $225,000 | $225,000 |
| Single Family (1-4 Units):Site-Built | 298 | $22,020,000 | $73,893 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BWW Law Group, LLC | Conventional home mortgage | Struggling to pay mortgage | 1 | 20.0% |
| BWW Law Group, LLC | Conventional home mortgage | Trouble during payment process | 2 | 40.0% |
| BWW Law Group, LLC | Other type of mortgage | Trouble during payment process | 2 | 40.0% |