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 Cash Out Refi, Refi, and Home Purchase loans. St Fin Corp has a high proportion of conventional loans. They have a a high proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, San Diego, San Francisco, and Santa Maria among others. We have data for 32 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 | 6.20% | 11/21/24 |
| 30 Year Conventional Refi | 5.59% | 11/21/24 |
| 30 Year Cash-out Refi | 6.18% | 11/21/24 |
| 30 Year FHA Purchase | 6.53% | 11/21/24 |
| 30 Year FHA Refi | 6.92% | 11/21/24 |
| 30 Year VA Purchase | 6.04% | 11/21/24 |
| 30 Year VA Refi | 5.15% | 11/21/24 |
| 15 Year Conventional Refi | 6.14% | 11/21/24 |
| 15 Year Cash-out Refi | 6.14% | 11/21/24 |
| 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. | ||
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
395Origination Dollar Volume (All Markets)
$146,415,000Top 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 176 | $73,190,000 | $415,852 | $13,268 | 4.30% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 135 | $39,805,000 | $294,852 | $10,222 | 4.23% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 10 | $5,700,000 | $570,000 | $13,787 | 4.01% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 9 | $4,005,000 | $445,000 | $10,301 | 4.31% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $3,805,000 | $543,571 | $13,434 | 4.44% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $2,465,000 | $352,143 | $9,172 | 3.93% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $2,280,000 | $570,000 | $22,209 | 4.56% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 6 | $2,120,000 | $353,333 | $12,161 | 4.46% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $11,822 | 4.77% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $1,830,000 | $457,500 | $7,784 | 4.40% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $13,498 | 4.45% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $9,352 | 4.25% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $41,068 | 5.25% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,702 | 4.50% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,088 | 3.81% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $16,363 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,328 | 4.38% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $17,320 | 4.38% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $14,321 | 4.13% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $22,203 | 4.00% |
| RENO, NV (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,347 | 5.75% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,178 | 3.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,540 | 3.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $16,333 | 3.38% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,157 | 4.88% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,061 | 4.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,757 | 3.99% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,967 | 4.13% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $13,649 | 5.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $13,155 | 4.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,325 | 4.25% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,109 | 4.13% |
Similar Lenders
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 207 | $79,245,000 | $382,826 | $9,365 | 4.33% |
| FHA | 157 | $54,275,000 | $345,701 | $14,945 | 4.25% |
| VA | 31 | $12,895,000 | $415,968 | $14,413 | 4.08% |
For 2019, St Fin Corp's most frequently originated type of loan was Conventional, with 207 originations. Their 2nd most popular type was FHA, with 157 originations.
Loan Reason
For 2019, St Fin Corp's most frequently cited loan purpose was Cash Out Refi, with 191 originations. The 2nd most popular reason was Refi, with 113 originations.
Loan Duration/Length
For 2019, St Fin Corp's most frequently cited loan duration was 30 Year, with 378 originations. The 2nd most popular length was 15 Year, with 9 originations.
Origination Fees/Closing Costs
St Fin Corp's average total fees were $12,244, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 255 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 189 | $71,325,000 | $377,381 |
| 3-4% | 156 | $58,150,000 | $372,756 |
| 5-6% | 44 | $14,910,000 | $338,864 |
| 2.5-3% | 5 | $1,545,000 | $309,000 |
| 6-7% | 1 | $485,000 | $485,000 |
During 2019, St Fin Corp's average interest rate for loans was 4.29%, while their most frequently originated rate bucket for loans was 4-5%, with 189 originations.
Loan Sizing
2019 saw St Fin Corp place emphasis on $200k-400k loans with 216 originations, totaling $65,390,000 in origination value.
Applicant Income
St Fin Corp lent most frequently to those with incomes in the $50k-75k range, with 101 originations. The second most popular income band? $100k-150k, with 93 originations.
Applicant Debt to Income Ratio
St Fin Corp lent most frequently to those with DTI ratios of 50-60%, with 77 originations. The next most common DTI ratio? <20%, with 38 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.68%
St Fin Corp has an average approval rate.
Pick Rate
Approvals leading to origination77.47%
St Fin Corp has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 395 | $146,415,000 | $370,671 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 4 | $1,290,000 | $322,500 |
| Single Family (1-4 Units):Site-Built | 391 | $145,125,000 | $371,164 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| 1ST FINANCIAL, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |
| 1ST FINANCIAL, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |
| 1ST FINANCIAL, INC. | FHA mortgage | Closing on a mortgage | 1 | 33.3% |