St Fin Corp Mortgage Rates, Fees & Info

LAGUNA HILLS, CA

LEI: 549300R0QZYJMOBCNI97

Tax ID: 30-0092197

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Mortgage Data

Review & Overview

St Fin Corp is a smaller mortgage company specializing in Refi and Cash Out Refi loans. St Fin Corp has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, San Diego, and Seattle among others. We have data for 27 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 an above 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.20% 4/22/24
30 Year Conventional Refi 5.59% 4/22/24
30 Year Cash-out Refi 6.18% 4/22/24
30 Year FHA Purchase 6.53% 4/22/24
30 Year FHA Refi 6.92% 4/22/24
30 Year VA Purchase 6.04% 4/22/24
30 Year VA Refi 5.15% 4/22/24
15 Year Conventional Refi 6.14% 4/22/24
15 Year Cash-out Refi 6.14% 4/22/24
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






Your Estimates

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This is not an official calculator from St Fin Corp. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

632

Origination Dollar Volume (All Markets)

$228,810,000

Awards

ST FIN CORP FHA Loans silver
Show all (1) awards

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) 313 $121,855,000 $389,313 $9,449 3.20%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 203 $64,445,000 $317,463 $8,819 3.10%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 22 $9,900,000 $450,000 $8,858 2.96%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 22 $8,640,000 $392,727 $8,086 2.99%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 9 $3,735,000 $415,000 $6,844 3.49%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $2,340,000 $390,000 $7,629 3.13%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 6 $2,270,000 $378,333 $6,294 2.79%
VISALIA, CA (FHA|USDA|VA) 8 $2,190,000 $273,750 $5,234 2.94%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 5 $1,995,000 $399,000 $10,174 3.60%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $1,605,000 $535,000 $11,667 2.75%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $1,430,000 $238,333 $6,644 3.19%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $1,305,000 $261,000 $10,781 3.58%
CHICO, CA (FHA|USDA|VA) 4 $1,120,000 $280,000 $4,274 3.16%
STOCKTON, CA (FHA|USDA|VA) 3 $855,000 $285,000 $10,128 2.96%
VALLEJO, CA (FHA|USDA|VA) 2 $610,000 $305,000 $4,307 3.18%
EL CENTRO, CA (FHA|USDA|VA) 2 $530,000 $265,000 $5,170 3.63%
Red Bluff, CA (FHA|USDA|VA) 2 $520,000 $260,000 $5,723 2.81%
SALINAS, CA (FHA|USDA|VA) 1 $485,000 $485,000 $3,217 3.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $480,000 $240,000 $4,384 2.75%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $465,000 $465,000 $21,583 2.38%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $375,000 $375,000 $12,360 3.25%
Outside of Metro Areas 1 $345,000 $345,000 $3,776 3.38%
MODESTO, CA (FHA|USDA|VA) 1 $325,000 $325,000 $9,817 2.63%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $295,000 $295,000 $7,275 3.75%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $245,000 $245,000 $12,344 3.63%
REDDING, CA (FHA|USDA|VA) 1 $175,000 $175,000 $6,097 2.50%
St Fin Corp's top markets include Los Angeles, Riverside, San Francisco, San Diego, and Seattle among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 526 $187,110,000 $355,722 $7,979 3.17%
    FHA 86 $32,720,000 $380,465 $14,489 3.11%
    VA 20 $8,980,000 $449,000 $10,249 2.79%

    For 2020, St Fin Corp's most frequently originated type of loan was Conventional, with 526 originations. Their 2nd most popular type was FHA, with 86 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 312 $113,380,000 $363,397 $7,358 3.02%
    Cash Out Refi 241 $84,795,000 $351,846 $9,843 3.32%
    Home Purchase 78 $30,230,000 $387,564 $12,617 3.17%
    Other 1 $405,000 $405,000 $2,175 2.25%

    For 2020, St Fin Corp's most frequently cited loan purpose was Refi, with 312 originations. The 2nd most popular reason was Cash Out Refi, with 241 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 534 $199,400,000 $373,408 $9,372 3.20%
    15 Year 48 $12,210,000 $254,375 $6,028 2.74%
    20 Year 25 $8,445,000 $337,800 $7,613 3.02%
    Other 18 $7,110,000 $395,000 $6,933 3.26%
    10 Year 7 $1,645,000 $235,000 $6,659 2.41%

    For 2020, St Fin Corp's most frequently cited loan duration was 30 Year, with 534 originations. The 2nd most popular length was 15 Year, with 48 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 352 $133,630,000 $379,631
    $1k-2k 69 $27,455,000 $397,899
    $2k-3k 64 $22,000,000 $343,750
    $4k-5k 63 $17,455,000 $277,063
    $3k-4k 38 $10,230,000 $269,211
    $<1k 37 $13,785,000 $372,568

    St Fin Corp's average total fees were $9,372, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 352 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 283 $104,315,000 $368,604
    2.5-3% 231 $83,345,000 $360,801
    <2.5% 83 $26,925,000 $324,398
    4-5% 26 $9,850,000 $378,846
    5-6% 6 $1,600,000 $266,667
    6-7% 3 $2,775,000 $925,000

    During 2020, St Fin Corp's average interest rate for loans was 3.20%, while their most frequently originated rate bucket for loans was 3-4%, with 283 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 352 $107,380,000 $305,057 $8,347 3.14%
    $400k-600k 186 $87,750,000 $471,774 $9,853 3.16%
    $100k-200k 60 $9,680,000 $161,333 $6,439 3.04%
    $600k-1MM 32 $22,480,000 $702,500 $15,138 3.31%
    $100,000 or less 1 $25,000 $25,000 $1,879 4.00%
    $1MM+ 1 $1,495,000 $1,495,000 $0 6.13%

    2020 saw St Fin Corp place emphasis on $200k-400k loans with 352 originations, totaling $107,380,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 162 $63,560,000 $392,346 $9,709 3.09%
    $50k-75k 141 $41,795,000 $296,418 $9,320 3.16%
    $75k-100k 117 $41,445,000 $354,231 $8,901 3.16%
    $50k or less 100 $32,140,000 $321,400 $8,471 3.16%
    $150k-250k 70 $30,920,000 $441,714 $7,496 3.14%
    $250k+ 21 $10,235,000 $487,381 $8,773 3.05%

    St Fin Corp lent most frequently to those with incomes in the $100k-150k range, with 162 originations. The second most popular income band? $50k-75k, with 141 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 92 $32,840,000 $356,957 $7,830 3.08%
    20-30% 90 $30,200,000 $335,556 $7,298 2.98%
    44% 46 $16,980,000 $369,130 $10,096 3.26%
    49% 33 $12,075,000 $365,909 $10,288 3.34%
    43% 31 $10,955,000 $353,387 $8,950 3.20%
    <20% 30 $9,690,000 $323,000 $5,926 2.94%
    42% 29 $9,395,000 $323,966 $8,781 3.32%
    50-60% 27 $9,545,000 $353,519 $15,337 3.31%
    36% 25 $8,945,000 $357,800 $7,667 3.15%
    40% 24 $10,320,000 $430,000 $9,074 3.23%
    48% 22 $6,970,000 $316,818 $10,411 3.29%
    47% 20 $7,680,000 $384,000 $8,976 3.13%
    41% 19 $7,245,000 $381,316 $11,336 3.23%
    39% 19 $7,375,000 $388,158 $11,083 3.04%
    46% 17 $5,805,000 $341,471 $8,864 3.07%
    37% 16 $6,300,000 $393,750 $10,003 3.30%
    38% 14 $5,340,000 $381,429 $10,438 2.98%
    45% 12 $4,010,000 $334,167 $7,286 2.98%
    >60% 2 $890,000 $445,000 $13,977 3.56%

    St Fin Corp lent most frequently to those with DTI ratios of 30-36%, with 92 originations. The next most common DTI ratio? 20-30%, with 90 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 552 $198,610,000 $359,801 $8,937 3.16%
    Black 36 $13,800,000 $383,333 $11,274 3.19%
    Asian 24 $9,120,000 $380,000 $7,327 2.90%
    Native Hawaiian or Islander 17 $6,375,000 $375,000 $6,946 3.13%
    Not applicable 1 $325,000 $325,000 $8,368 4.63%
    American Indian 1 $295,000 $295,000 $3,120 2.50%
    Asian Indian 1 $285,000 $285,000 $12,650 3.75%

    Approval Rates

    Total approvals of all applications
    97.05%

    St Fin Corp has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    92.56%

    St Fin Corp has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 632 $228,810,000 $362,041

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 632 $228,810,000 $362,041

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 62 $18,170,000 $293,065 $7,661 2.92%
    40-60% 173 $59,165,000 $341,994 $8,107 3.16%
    60-80% 243 $90,885,000 $374,012 $8,364 3.21%
    80-100% 139 $56,455,000 $406,151 $11,603 3.12%
    Over 100% 3 $1,055,000 $351,667 $13,098 3.63%
    Under 20% 10 $2,640,000 $264,000 $6,959 2.94%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    1ST FINANCIAL, INC. Conventional home mortgage Closing on a mortgage 1 33.3%
    1ST FINANCIAL, INC. FHA mortgage Trouble during payment process 1 33.3%
    1ST FINANCIAL, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%