St Fin Corp Mortgage Rates, Fees & Info
LAGUNA HILLS, CALEI: 549300R0QZYJMOBCNI97
Tax ID: 30-0092197
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
St Fin Corp is a smaller mortgage company specializing in Cash Out Refi, Refi, and Home Purchase loans. St Fin Corp has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets include Los Angeles, Riverside, San Diego, Vallejo, and San Francisco among others. St Fin Corp has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. St Fin Corp is typically a high fee lendor.Originations
527Origination Dollar Volume (All Markets)
$204,845,000Relative Rate
St Fin Corp's average 30 year fixed rate mortgage of loans were
3.08%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.07%.
Relative Fees
St Fin Corp's average total fees for a 30 year fixed rate
mortgage are $10,574.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 264 | $113,040,000 | $428,182 | $10,444 | 3.03% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 205 | $68,605,000 | $334,659 | $9,997 | 3.04% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 16 | $6,840,000 | $427,500 | $13,107 | 2.95% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $2,640,000 | $440,000 | $13,958 | 2.90% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $2,460,000 | $615,000 | $5,376 | 3.27% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $2,375,000 | $475,000 | $11,272 | 3.17% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,535,000 | $511,667 | $11,457 | 3.42% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $9,316 | 3.16% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $13,591 | 2.56% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $8,490 | 2.91% |
| CHICO, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $6,780 | 3.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $13,570 | 2.63% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,770 | 2.75% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,904 | 2.50% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,360 | 2.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,242 | 2.88% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,560 | 3.63% |
| REDDING, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,729 | 2.88% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,620 | 2.99% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,681 | 3.25% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,490 | 2.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,243 | 3.65% |
St Fin Corp's top markets include Los Angeles, Riverside, San Diego, Vallejo, and San Francisco among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 450 | $173,590,000 | $385,756 | $9,404 | 3.04% |
| FHA | 62 | $23,510,000 | $379,194 | $15,512 | 3.00% |
| VA | 15 | $7,745,000 | $516,333 | $13,755 | 2.72% |
For the 2021 period, St Fin Corp's most frequently originated loan type of loans were Conventional, with 450 originations. Their 2nd most popular type is FHA, with 62 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 239 | $89,285,000 | $373,577 | $10,468 | 3.11% |
| Refi | 195 | $70,705,000 | $362,590 | $8,590 | 2.93% |
| Home Purchase | 93 | $44,855,000 | $482,312 | $13,205 | 3.03% |
For the 2021, St Fin Corp's most frequently cited loan purpose of loans were Cash Out Refi, with 239 originations. The 2nd most popular reason of loans were Refi, with 195 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 464 | $185,820,000 | $400,474 | $10,574 | 3.08% |
| 15 Year | 28 | $7,700,000 | $275,000 | $7,272 | 2.44% |
| 20 Year | 24 | $7,200,000 | $300,000 | $8,849 | 2.85% |
| Other | 8 | $3,530,000 | $441,250 | $7,977 | 3.05% |
| 10 Year | 3 | $595,000 | $198,333 | $5,116 | 2.42% |
For the 2021, St Fin Corp's most frequently cited loan length of loans were 30 Year, with 464 originations. The 2nd most popular length of loans were 15 Year, with 28 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $5k+ | 367 | $146,825,000 | $400,068 |
| $3k-4k | 62 | $18,500,000 | $298,387 |
| $1k-2k | 50 | $20,470,000 | $409,400 |
| $2k-3k | 33 | $12,645,000 | $383,182 |
| $<1k | 6 | $2,480,000 | $413,333 |
$10,574 of loans were St Fin Corp's average total fees, while their most frequently occuring range of origination fees were in the $5k+ bucket, with 367 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 261 | $101,195,000 | $387,720 |
| 3-4% | 207 | $83,415,000 | $402,971 |
| <2.5% | 55 | $18,035,000 | $327,909 |
| 4-5% | 4 | $2,200,000 | $550,000 |
During 2021, St Fin Corp's average interest rate of loans were 3.08%, while their most frequently originated rate bucket of loans were 2.5-3%, with 261 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 270 | $80,960,000 | $299,852 | $9,430 | 3.02% |
| $400k-600k | 165 | $78,985,000 | $478,697 | $11,417 | 3.05% |
| $600k-1MM | 50 | $36,380,000 | $727,600 | $13,678 | 3.11% |
| $100k-200k | 37 | $6,175,000 | $166,892 | $6,698 | 2.90% |
| $100,000 or less | 3 | $285,000 | $95,000 | $4,263 | 2.83% |
| $1MM+ | 2 | $2,060,000 | $1,030,000 | $15,936 | 4.25% |
2021 saw St Fin Corp place emphasis on $200k-400k loans with 270 originations, totaling $80,960,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 126 | $40,080,000 | $318,095 | $10,092 | 3.01% |
| $100k-150k | 123 | $53,485,000 | $434,837 | $10,495 | 3.09% |
| $75k-100k | 120 | $44,050,000 | $367,083 | $10,452 | 3.03% |
| $150k-250k | 73 | $36,435,000 | $499,110 | $9,534 | 3.04% |
| $50k or less | 59 | $16,435,000 | $278,559 | $9,524 | 2.95% |
| $250k+ | 18 | $10,940,000 | $607,778 | $13,207 | 2.96% |
St Fin Corp lent most frequently to those with incomes in the $50k-75k range, with 126 originations. The second most popular income band? $100k-150k, with 123 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 72 | $27,340,000 | $379,722 | $8,982 | 3.03% |
| 30-36% | 68 | $26,130,000 | $384,265 | $9,075 | 3.04% |
| 44% | 40 | $15,420,000 | $385,500 | $10,101 | 2.97% |
| 43% | 35 | $15,105,000 | $431,571 | $11,026 | 3.06% |
| 42% | 33 | $14,395,000 | $436,212 | $10,776 | 3.09% |
| 50-60% | 30 | $11,380,000 | $379,333 | $14,667 | 2.91% |
| 49% | 25 | $10,645,000 | $425,800 | $12,194 | 3.13% |
| 47% | 25 | $9,945,000 | $397,800 | $10,106 | 3.01% |
| 41% | 25 | $10,715,000 | $428,600 | $10,825 | 3.10% |
| 38% | 23 | $8,335,000 | $362,391 | $10,332 | 3.02% |
| <20% | 22 | $6,680,000 | $303,636 | $7,953 | 2.90% |
| 37% | 22 | $7,580,000 | $344,545 | $9,092 | 3.08% |
| 45% | 21 | $8,905,000 | $424,048 | $9,769 | 2.98% |
| 40% | 19 | $8,165,000 | $429,737 | $10,931 | 3.18% |
| 46% | 18 | $6,210,000 | $345,000 | $11,368 | 3.03% |
| 48% | 16 | $5,430,000 | $339,375 | $11,764 | 3.12% |
| 39% | 14 | $5,230,000 | $373,571 | $10,279 | 2.91% |
| 36% | 11 | $3,525,000 | $320,455 | $9,095 | 3.11% |
| >60% | 1 | $545,000 | $545,000 | $0 | 4.00% |
St Fin Corp lent most frequently to those with DTI ratios of 20-30%, with 72 originations. The next most common DTI ratio? 30-36%, with 68 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 413 | $158,125,000 | $382,869 | $10,227 | 3.03% |
| Black | 53 | $21,465,000 | $405,000 | $12,713 | 3.12% |
| Asian | 45 | $19,795,000 | $439,889 | $8,707 | 2.95% |
| Not provided | 5 | $1,535,000 | $307,000 | $7,314 | 3.28% |
| Native Hawaiian | 5 | $1,525,000 | $305,000 | $4,516 | 2.93% |
| Filipino | 2 | $1,190,000 | $595,000 | $6,895 | 3.44% |
| American Indian | 3 | $845,000 | $281,667 | $9,518 | 2.54% |
| Other Pacific Islander | 1 | $365,000 | $365,000 | $14,912 | 2.50% |
Approval Rates
Total approvals of all applications93.77%
St Fin Corp has an average approval rate.
Pick Rate
Approvals leading to origination83.40%
St Fin Corp has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 527 | $204,845,000 | $388,700 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 527 | $204,845,000 | $388,700 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 67 | $20,675,000 | $308,582 | $7,924 | 2.93% |
| 40-60% | 149 | $53,365,000 | $358,154 | $9,755 | 2.95% |
| 60-80% | 196 | $79,600,000 | $406,122 | $10,468 | 3.13% |
| 80-100% | 112 | $50,260,000 | $448,750 | $11,884 | 3.03% |
| Over 100% | 1 | $475,000 | $475,000 | $22,081 | 2.50% |
| Under 20% | 2 | $470,000 | $235,000 | $6,979 | 2.56% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| SOUTHPOINT FINANCIAL SERVICES, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |
