Callisto Group Mortgage Rates, Fees & Info
GLENDALE, CALEI: 549300PK4T5VBRY4TE47
Tax ID: 95-4657278
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Mortgage Data
Review & Overview
Callisto Group is a smaller mortgage company specializing in Home Purchase loans. Callisto Group has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Riverside, Fresno, Oxnard, and San Francisco among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Callisto Group has an above average approval rate when compared to the average across all lenders. Callisto Group 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.92% | 11/30/23 |
| 30 Year Conventional Refi | 6.59% | 11/30/23 |
| 30 Year Cash-out Refi | 6.91% | 11/30/23 |
| 30 Year FHA Purchase | 7.42% | 11/30/23 |
| 15 Year Conventional Purchase | 5.92% | 11/30/23 |
| 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. | ||
Callisto Group Mortgage Calculator
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
104Origination Dollar Volume (All Markets)
$63,020,000Relative Rate
Callisto Group's average 30 year fixed mortgage rate was
5.24%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.48%.
Relative Fees (Closing Costs)
Callisto Group's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,548.
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 $4,750.
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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 84 | $53,500,000 | $636,905 | $9,674 | 5.01% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 8 | $3,730,000 | $466,250 | $7,804 | 6.08% |
| FRESNO, CA (FHA|USDA|VA) | 7 | $3,515,000 | $502,143 | $8,059 | 4.93% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $7,958 | 6.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $14,070 | 6.99% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,891 | 6.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,296 | 7.38% |
Similar Lenders
We use machine learning to identify the top lenders compared against CALLISTO GROUP 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 |
|---|---|---|---|---|---|
| Conventional | 103 | $62,535,000 | $607,136 | $9,283 | 5.18% |
| FHA | 1 | $485,000 | $485,000 | $22,986 | 5.25% |
For 2022, Callisto Group's most frequently originated type of loan was Conventional, with 103 originations. Their 2nd most popular type was FHA, with 1 originations.
Loan Reason
For 2022, Callisto Group's most frequently cited loan purpose was Home Purchase, with 68 originations. The 2nd most popular reason was Cash Out Refi, with 25 originations.
Loan Duration/Length
For 2022, Callisto Group's most frequently cited loan duration was 30 Year, with 98 originations. The 2nd most popular length was 15 Year, with 3 originations.
Origination Fees/Closing Costs
Callisto Group's average total fees were $9,548, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 52 originations.
Interest Rates
During 2022, Callisto Group's average interest rate for loans was 5.24%, while their most frequently originated rate bucket for loans was 5-6%, with 27 originations.
Loan Sizing
2022 saw Callisto Group place emphasis on $400k-600k loans with 40 originations, totaling $19,990,000 in origination value.
Applicant Income
Callisto Group lent most frequently to those with incomes in the $150k-250k range, with 30 originations. The second most popular income band? $100k-150k, with 28 originations.
Applicant Debt to Income Ratio
Callisto Group lent most frequently to those with DTI ratios of 30-36%, with 13 originations. The next most common DTI ratio? 48%, with 9 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Callisto Group has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1130404.4 | 1 | $1,385,000 | $1,385,000 |
| 422140.0 | 1 | $525,000 | $525,000 |
| 480824.5 | 1 | $585,000 | $585,000 |
| 611498.9 | 1 | $765,000 | $765,000 |
| NA | 100 | $59,760,000 | $597,600 |