St Fin Corp Mortgage Rates, Fees & Info
LAGUNA HILLS, CALEI: 549300R0QZYJMOBCNI97
Tax ID: 30-0092197
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Mortgage Data
Review & Overview
St Fin Corp is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. They have a a high proportion of FHA loans. St Fin Corp has a high proportion of conventional loans. Their top markets by origination volume include: Riverside, Los Angeles, Dallas, San Diego, and Sacramento among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)St Fin Corp 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. St Fin Corp 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.31% | 4/17/25 |
| 30 Year Conventional Refi | 6.55% | 4/17/25 |
| 30 Year Cash-out Refi | 7.27% | 4/17/25 |
| 30 Year FHA Purchase | 7.38% | 4/17/25 |
| 30 Year FHA Refi | 7.10% | 4/17/25 |
| 30 Year VA Purchase | 6.99% | 4/17/25 |
| 30 Year VA Refi | 6.44% | 4/17/25 |
| 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. | ||
St Fin Corp Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
175Origination Dollar Volume (All Markets)
$82,865,000Relative Rate
St Fin Corp's average 30 year fixed mortgage rate was
6.48%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.07%.
Relative Fees (Closing Costs)
St Fin Corp's average total fees/closing costs for a 30 year fixed rate
mortgage were $18,613.
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 |
|---|---|---|---|---|---|
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 75 | $35,195,000 | $469,267 | $18,512 | 6.47% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 59 | $32,125,000 | $544,492 | $21,141 | 6.56% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $2,810,000 | $702,500 | $14,266 | 7.06% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $2,460,000 | $615,000 | $20,910 | 6.62% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $13,294 | 6.96% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $17,848 | 5.81% |
| NAPA, CA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $20,949 | 6.88% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $27,683 | 5.25% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $31,065 | 5.75% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $10,537 | 7.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $11,067 | 7.08% |
| WACO, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $10,479 | 6.06% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $17,911 | 6.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $24,971 | 5.25% |
| CHICO, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,626 | 6.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $15,981 | 8.25% |
| Pecos, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,976 | 6.75% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,533 | 8.88% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,587 | 5.38% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,548 | 6.38% |
| Outside of Metro Areas | 2 | $220,000 | $110,000 | $5,860 | 5.74% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $6,331 | 6.81% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,294 | 6.49% |
| Sweetwater, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,229 | 6.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,921 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against ST FIN CORP 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 |
|---|---|---|---|---|---|
| FHA | 94 | $44,170,000 | $469,894 | $21,957 | 6.15% |
| Conventional | 72 | $34,170,000 | $474,583 | $13,806 | 6.94% |
| VA | 9 | $4,525,000 | $502,778 | $17,344 | 6.49% |
For 2024, St Fin Corp's most frequently originated type of loan was FHA, with 94 originations. Their 2nd most popular type was Conventional, with 72 originations.
Loan Reason
For 2024, St Fin Corp's most frequently cited loan purpose was Home Purchase, with 107 originations. The 2nd most popular reason was Cash Out Refi, with 58 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 172 | $82,520,000 | $479,767 | $18,613 | 6.48% |
| 15 Year | 2 | $320,000 | $160,000 | $6,298 | 5.93% |
| 10 Year | 1 | $25,000 | $25,000 | $0 | 9.63% |
For 2024, St Fin Corp's most frequently cited loan duration was 30 Year, with 172 originations. The 2nd most popular length was 15 Year, with 2 originations.
Origination Fees/Closing Costs
St Fin Corp's average total fees were $18,613, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 144 originations.
Interest Rates
During 2024, St Fin Corp's average interest rate for loans was 6.48%, while their most frequently originated rate bucket for loans was 6-7%, with 88 originations.
Loan Sizing
2024 saw St Fin Corp place emphasis on $400k-600k loans with 64 originations, totaling $32,440,000 in origination value.
Applicant Income
St Fin Corp lent most frequently to those with incomes in the $100k-150k range, with 63 originations. The second most popular income band? $150k-250k, with 42 originations.
Applicant Debt to Income Ratio
St Fin Corp lent most frequently to those with DTI ratios of 50-60%, with 36 originations. The next most common DTI ratio? 49%, with 21 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.70%
St Fin Corp has an average approval rate.
Pick Rate
Approvals leading to origination56.57%
St Fin Corp 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 | 175 | $82,865,000 | $473,514 |