Homexpress Mortgage Corp. Rates, Fees & Info

NEWARK, DE

LEI: 549300R77W0P105C3S50

Tax ID: 47-5349678

1 stars - out of 5 stars, based on 61 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Homexpress Mortgage Corp. is a small mortgage company specializing in Home Purchase, Cash Out Refi, and Refi loans. Homexpress Mortgage Corp. has a high proportion of conventional loans. Their top markets include Los Angeles, San Francisco, Riverside, Sacramento, and Seattle among others. Homexpress Mortgage Corp. has a below average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Homexpress Mortgage Corp. is typically a high fee lendor.


Originations

3,748

Origination Dollar Volume (All Markets)

$1,834,310,000

Relative Rate

Homexpress Mortgage Corp.'s average 30 year fixed rate mortgage of loans were 4.77%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 1.62%.

Relative Fees

Homexpress Mortgage Corp.'s average total fees for a 30 year fixed rate mortgage are $15,309.

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) 411 $337,075,000 $820,134 $19,662 4.54%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 170 $146,520,000 $861,882 $20,940 4.43%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 177 $80,785,000 $456,412 $14,121 5.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 148 $79,690,000 $538,446 $15,373 4.64%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 111 $70,065,000 $631,216 $21,998 4.59%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 146 $67,300,000 $460,959 $11,580 4.90%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 204 $63,460,000 $311,078 $14,864 4.77%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 63 $62,015,000 $984,365 $18,173 4.46%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 164 $51,650,000 $314,939 $15,894 4.85%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 112 $49,670,000 $443,482 $18,816 4.81%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 58 $46,150,000 $795,690 $19,637 4.55%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 73 $43,145,000 $591,027 $12,987 4.92%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 104 $38,100,000 $366,346 $14,307 4.78%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 98 $34,260,000 $349,592 $12,861 4.94%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 74 $33,350,000 $450,676 $13,526 5.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 76 $30,310,000 $398,816 $16,960 5.15%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 99 $28,825,000 $291,162 $14,269 5.01%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 28 $24,900,000 $889,286 $21,025 4.74%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 49 $24,305,000 $496,020 $13,277 4.86%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 96 $21,560,000 $224,583 $12,496 4.77%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 31 $19,355,000 $624,355 $15,867 4.52%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 28 $14,750,000 $526,786 $16,759 4.85%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 50 $14,600,000 $292,000 $10,052 5.08%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 29 $13,655,000 $470,862 $9,806 5.05%
SALT LAKE CITY, UT (FHA|USDA|VA) 27 $13,385,000 $495,741 $14,911 4.68%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 37 $12,945,000 $349,865 $10,492 5.25%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 38 $11,840,000 $311,579 $15,735 5.05%
BOISE CITY, ID (FHA|USDA|VA) 21 $11,765,000 $560,238 $16,414 4.98%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 15 $11,675,000 $778,333 $15,834 4.90%
Outside of Metro Areas 30 $11,560,000 $385,333 $8,382 5.09%
RENO, NV (FHA|USDA|VA) 29 $10,445,000 $360,172 $11,562 4.62%
SALINAS, CA (FHA|USDA|VA) 11 $10,415,000 $946,818 $19,625 4.36%
NAPA, CA (FHA|USDA|VA) 14 $10,060,000 $718,571 $14,740 4.32%
FRESNO, CA (FHA|USDA|VA) 29 $9,755,000 $336,379 $12,382 4.77%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 38 $9,180,000 $241,579 $12,605 4.88%
STOCKTON, CA (FHA|USDA|VA) 23 $8,855,000 $385,000 $11,575 4.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 25 $8,165,000 $326,600 $14,135 4.69%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 19 $7,895,000 $415,526 $12,049 4.86%
Kapaa, HI (FHA|USDA|VA) 5 $6,995,000 $1,399,000 $0 4.95%
VALLEJO, CA (FHA|USDA|VA) 14 $6,990,000 $499,286 $10,150 5.04%
JACKSONVILLE, FL (FHA|USDA|VA) 22 $6,980,000 $317,273 $12,205 5.19%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 7 $6,965,000 $995,000 $27,487 3.96%
TUCSON, AZ (FHA|USDA|VA) 20 $6,680,000 $334,000 $6,634 5.18%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 18 $6,610,000 $367,222 $15,093 4.87%
BEND, OR (FHA|USDA|VA) 9 $6,385,000 $709,444 $15,974 4.56%
ST. GEORGE, UT (FHA|USDA|VA) 9 $6,125,000 $680,556 $19,369 4.49%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 9 $6,025,000 $669,444 $12,228 5.55%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 13 $5,495,000 $422,692 $13,228 4.97%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 23 $5,275,000 $229,348 $9,241 4.77%
COLORADO SPRINGS, CO (FHA|USDA|VA) 17 $4,935,000 $290,294 $0 4.34%
CORPUS CHRISTI, TX (FHA|USDA|VA) 19 $4,765,000 $250,789 $0 4.12%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 11 $4,265,000 $387,727 $11,905 5.52%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 7 $4,145,000 $592,143 $11,210 4.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 9 $3,965,000 $440,556 $18,613 4.83%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 20 $3,940,000 $197,000 $8,146 5.02%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 5 $3,875,000 $775,000 $17,824 5.40%
REDDING, CA (FHA|USDA|VA) 13 $3,835,000 $295,000 $17,008 5.51%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 11 $3,805,000 $345,909 $17,216 4.40%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 13 $3,685,000 $283,462 $0 4.69%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 6 $3,650,000 $608,333 $0 5.06%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 3 $3,615,000 $1,205,000 $0 4.38%
PITTSBURGH, PA (FHA|USDA|VA) 20 $3,610,000 $180,500 $11,706 4.21%
BAKERSFIELD, CA (FHA|USDA|VA) 9 $3,605,000 $400,556 $18,146 4.82%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $3,460,000 $288,333 $7,101 5.33%
Heber, UT (FHA|USDA|VA) 4 $3,340,000 $835,000 $7,611 5.22%
KNOXVILLE, TN (FHA|USDA|VA) 11 $3,215,000 $292,273 $15,766 5.22%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 9 $3,195,000 $355,000 $12,570 4.71%
MODESTO, CA (FHA|USDA|VA) 7 $3,115,000 $445,000 $12,094 4.61%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 5 $3,085,000 $617,000 $23,417 4.98%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 11 $3,075,000 $279,545 $7,027 5.51%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 8 $2,960,000 $370,000 $10,124 4.86%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $2,940,000 $1,470,000 $86,155 3.88%
PUNTA GORDA, FL (FHA|USDA|VA) 10 $2,940,000 $294,000 $20,795 5.14%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $2,900,000 $725,000 $8,606 4.66%
Key West, FL (FHA|USDA|VA) 3 $2,855,000 $951,667 $32,483 5.00%
BELLINGHAM, WA (FHA|USDA|VA) 2 $2,830,000 $1,415,000 $6,077 5.56%
BOULDER, CO (FHA|USDA|VA) 5 $2,785,000 $557,000 $15,172 4.92%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 10 $2,770,000 $277,000 $17,508 4.66%
WORCESTER, MA-CT (FHA|USDA|VA) 7 $2,765,000 $395,000 $0 4.86%
Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $2,540,000 $1,270,000 $28,331 3.06%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 13 $2,505,000 $192,692 $8,702 5.03%
Eureka-Arcata, CA (FHA|USDA|VA) 7 $2,455,000 $350,714 $16,527 4.95%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $2,445,000 $489,000 $15,504 4.87%
YUBA CITY, CA (FHA|USDA|VA) 7 $2,345,000 $335,000 $8,520 4.98%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $2,195,000 $313,571 $11,323 5.70%
PROVO-OREM, UT (FHA|USDA|VA) 3 $2,175,000 $725,000 $16,651 4.63%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 8 $2,160,000 $270,000 $13,566 5.09%
Edwards, CO (FHA|USDA|VA) 3 $2,115,000 $705,000 $13,509 4.42%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 4 $2,100,000 $525,000 $31,994 5.47%
FORT COLLINS, CO (FHA|USDA|VA) 3 $2,085,000 $695,000 $19,507 4.04%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $2,025,000 $289,286 $0 5.04%
Baraboo, WI (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $31,913 3.38%
URBAN HONOLULU, HI (FHA|USDA|VA) 5 $1,995,000 $399,000 $0 4.60%
Breckenridge, CO (FHA|USDA|VA) 3 $1,945,000 $648,333 $13,689 5.04%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 8 $1,890,000 $236,250 $0 5.08%
Aberdeen, WA (FHA|USDA|VA) 12 $1,820,000 $151,667 $0 4.88%
COLUMBUS, OH (FHA|USDA|VA) 11 $1,765,000 $160,455 $0 4.53%
MERCED, CA (FHA|USDA|VA) 5 $1,645,000 $329,000 $10,300 4.35%
SALEM, OR (FHA|USDA|VA) 4 $1,560,000 $390,000 $11,127 5.13%
GREELEY, CO (FHA|USDA|VA) 2 $1,530,000 $765,000 $14,134 3.94%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,480,000 $370,000 $0 4.72%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $1,450,000 $362,500 $16,649 4.41%
PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $1,430,000 $238,333 $8,225 5.17%
KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $1,335,000 $190,714 $8,625 4.37%
Sevierville, TN (FHA|USDA|VA) 2 $1,320,000 $660,000 $0 4.13%
Glenwood Springs, CO (FHA|USDA|VA) 1 $1,265,000 $1,265,000 $0 4.88%
Steamboat Springs, CO (FHA|USDA|VA) 2 $1,250,000 $625,000 $14,990 4.69%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $1,220,000 $305,000 $21,681 4.53%
MADERA, CA (FHA|USDA|VA) 4 $1,220,000 $305,000 $4,735 5.22%
DOVER, DE (FHA|USDA|VA) 5 $1,165,000 $233,000 $17,695 5.08%
SANTA FE, NM (FHA|USDA|VA) 2 $1,160,000 $580,000 $0 4.75%
CHICO, CA (FHA|USDA|VA) 3 $1,155,000 $385,000 $0 4.75%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,125,000 $225,000 $0 5.85%
SPRINGFIELD, MA (FHA|USDA|VA) 5 $1,115,000 $223,000 $0 5.25%
Hermiston-Pendleton, OR (FHA|USDA|VA) 4 $1,060,000 $265,000 $4,290 4.91%
Astoria, OR (FHA|USDA|VA) 2 $1,020,000 $510,000 $20,055 4.88%
GREEN BAY, WI (FHA|USDA|VA) 3 $975,000 $325,000 $0 4.96%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $960,000 $480,000 $0 4.62%
CHEYENNE, WY (FHA|USDA|VA) 3 $955,000 $318,333 $0 4.29%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $945,000 $315,000 $9,840 4.46%
Kalispell, MT (FHA|USDA|VA) 2 $920,000 $460,000 $12,906 5.62%
ANN ARBOR, MI (FHA|USDA|VA) 2 $910,000 $455,000 $11,431 5.44%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $885,000 $295,000 $0 4.00%
Sandpoint, ID (FHA|USDA|VA) 3 $865,000 $288,333 $10,837 5.08%
PUEBLO, CO (FHA|USDA|VA) 2 $850,000 $425,000 $3,071 5.13%
VISALIA, CA (FHA|USDA|VA) 2 $850,000 $425,000 $12,849 3.94%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $845,000 $281,667 $8,862 5.08%
Ukiah, CA (FHA|USDA|VA) 1 $845,000 $845,000 $24,462 4.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $835,000 $167,000 $10,278 4.30%
CORVALLIS, OR (FHA|USDA|VA) 2 $830,000 $415,000 $14,536 4.13%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $780,000 $195,000 $11,771 5.28%
LOGAN, UT-ID (FHA|USDA|VA) 1 $775,000 $775,000 $15,910 3.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $770,000 $385,000 $11,555 4.00%
ASHEVILLE, NC (FHA|USDA|VA) 2 $720,000 $360,000 $13,423 5.38%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $720,000 $360,000 $0 4.69%
Ellensburg, WA (FHA|USDA|VA) 1 $715,000 $715,000 $16,586 3.38%
Outside of Metro Areas 2 $710,000 $355,000 $22,808 3.94%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $710,000 $355,000 $12,335 3.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $705,000 $235,000 $2,853 5.38%
WENATCHEE, WA (FHA|USDA|VA) 2 $690,000 $345,000 $0 5.13%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $690,000 $345,000 $11,815 5.06%
Newport, OR (FHA|USDA|VA) 1 $665,000 $665,000 $0 5.75%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $660,000 $330,000 $10,107 4.81%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $655,000 $655,000 $0 4.00%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $645,000 $645,000 $0 4.50%
Washington, NC (FHA|USDA|VA) 1 $615,000 $615,000 $22,482 7.38%
MONROE, MI (FHA|USDA|VA) 2 $610,000 $305,000 $12,745 5.69%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $595,000 $198,333 $0 4.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $570,000 $142,500 $0 4.75%
RICHMOND, VA (FHA|USDA|VA) 4 $570,000 $142,500 $5,630 5.28%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $560,000 $140,000 $0 4.06%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $560,000 $280,000 $9,114 4.56%
Fernley, NV (FHA|USDA|VA) 2 $550,000 $275,000 $0 4.38%
YAKIMA, WA (FHA|USDA|VA) 1 $535,000 $535,000 $0 4.25%
COLUMBIA, SC (FHA|USDA|VA) 3 $535,000 $178,333 $0 4.50%
AKRON, OH (FHA|USDA|VA) 2 $530,000 $265,000 $0 4.75%
WILMINGTON, NC (FHA|USDA|VA) 2 $520,000 $260,000 $0 5.06%
GAINESVILLE, FL (FHA|USDA|VA) 2 $520,000 $260,000 $0 4.50%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $505,000 $505,000 $12,385 5.63%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $500,000 $250,000 $10,956 6.25%
LANCASTER, PA (FHA|USDA|VA) 1 $495,000 $495,000 $19,534 5.50%
Sonora, CA (FHA|USDA|VA) 1 $475,000 $475,000 $0 4.50%
Arcadia, FL (FHA|USDA|VA) 1 $475,000 $475,000 $13,131 5.38%
CARSON CITY, NV (FHA|USDA|VA) 1 $475,000 $475,000 $0 4.63%
OCALA, FL (FHA|USDA|VA) 2 $470,000 $235,000 $10,621 4.62%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $470,000 $235,000 $15,174 4.75%
LUBBOCK, TX (FHA|USDA|VA) 2 $470,000 $235,000 $0 4.50%
Fallon, NV (FHA|USDA|VA) 1 $465,000 $465,000 $0 4.50%
LONGVIEW, WA (FHA|USDA|VA) 2 $460,000 $230,000 $9,359 4.75%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $455,000 $455,000 $0 7.00%
Centralia, WA (FHA|USDA|VA) 1 $445,000 $445,000 $0 5.00%
TOLEDO, OH (FHA|USDA|VA) 1 $445,000 $445,000 $17,321 5.37%
POCATELLO, ID (FHA|USDA|VA) 2 $440,000 $220,000 $9,500 3.88%
Selinsgrove, PA (FHA|USDA|VA) 1 $435,000 $435,000 $14,483 4.88%
TYLER, TX (FHA|USDA|VA) 3 $415,000 $138,333 $0 4.42%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $405,000 $405,000 $13,430 6.63%
Jefferson, GA (FHA|USDA|VA) 1 $405,000 $405,000 $13,127 3.75%
Ontario, OR-ID (FHA|USDA|VA) 1 $395,000 $395,000 $12,425 3.75%
MONTGOMERY, AL (FHA|USDA|VA) 2 $390,000 $195,000 $7,842 5.06%
Pahrump, NV (FHA|USDA|VA) 1 $375,000 $375,000 $0 4.50%
Payson, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $11,065 7.13%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $370,000 $185,000 $0 5.38%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $360,000 $180,000 $0 4.88%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $355,000 $355,000 $4,940 6.00%
Torrington, CT (FHA|USDA|VA) 1 $355,000 $355,000 $5,300 5.13%
Fort Morgan, CO (FHA|USDA|VA) 1 $355,000 $355,000 $7,962 6.00%
La Grande, OR (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.00%
EL CENTRO, CA (FHA|USDA|VA) 1 $335,000 $335,000 $10,196 4.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $330,000 $165,000 $0 5.00%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $325,000 $325,000 $12,062 4.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $320,000 $160,000 $0 4.63%
WACO, TX (FHA|USDA|VA) 2 $310,000 $155,000 $0 4.75%
Bay City, TX (FHA|USDA|VA) 2 $310,000 $155,000 $0 4.25%
Coldwater, MI (FHA|USDA|VA) 1 $305,000 $305,000 $13,166 5.50%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $10,202 3.25%
Show Low, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.50%
EL PASO, TX (FHA|USDA|VA) 2 $300,000 $150,000 $10,716 5.13%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $295,000 $295,000 $4,738 7.00%
Meadville, PA (FHA|USDA|VA) 1 $285,000 $285,000 $10,754 5.63%
Boone, NC (FHA|USDA|VA) 1 $265,000 $265,000 $10,941 4.63%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.88%
Brookings, OR (FHA|USDA|VA) 1 $265,000 $265,000 $10,541 4.00%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.50%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.63%
MADISON, WI (FHA|USDA|VA) 1 $255,000 $255,000 $7,824 4.75%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.50%
Jackson, WY-ID (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.38%
Red Bluff, CA (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.50%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $235,000 $235,000 $8,945 6.13%
Prineville, OR (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.00%
READING, PA (FHA|USDA|VA) 1 $215,000 $215,000 $10,180 6.88%
WALLA WALLA, WA (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.25%
Crescent City, CA (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.25%
Branson, MO (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.50%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $195,000 $195,000 $8,096 4.38%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.50%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.50%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.88%
Keene, NH (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.38%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.88%
Findlay, OH (FHA|USDA|VA) 1 $175,000 $175,000 $8,437 4.50%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.13%
Athens, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,079 5.25%
Vernal, UT (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.00%
GREAT FALLS, MT (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.00%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $135,000 $135,000 $7,132 7.13%
ROCKFORD, IL (FHA|USDA|VA) 1 $135,000 $135,000 $3,658 8.13%
CASPER, WY (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.50%
RACINE, WI (FHA|USDA|VA) 1 $115,000 $115,000 $5,027 4.25%
Lufkin, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.25%
NILES, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,996 4.50%
TWIN FALLS, ID (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
Plymouth, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.00%
Stillwater, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.50%
Corsicana, TX (FHA|USDA|VA) 1 $95,000 $95,000 $8,380 7.00%

Homexpress Mortgage Corp.'s top markets include Los Angeles, San Francisco, Riverside, Sacramento, and Seattle among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 3,748 $1,834,310,000 $489,410 $15,714 4.79%

For the 2021 period, Homexpress Mortgage Corp.'s most frequently originated loan type of loans were Conventional, with 3,748 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,958 $922,770,000 $471,282 $15,597 4.89%
Cash Out Refi 1,207 $539,705,000 $447,146 $14,922 4.83%
Refi 583 $371,835,000 $637,796 $16,850 4.37%

For the 2021, Homexpress Mortgage Corp.'s most frequently cited loan purpose of loans were Home Purchase, with 1,958 originations. The 2nd most popular reason of loans were Cash Out Refi, with 1,207 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 3,130 $1,454,990,000 $464,853 $15,309 4.77%
30+ year 618 $379,320,000 $613,786 $19,629 4.90%

For the 2021, Homexpress Mortgage Corp.'s most frequently cited loan length of loans were 30 Year, with 3,130 originations. The 2nd most popular length of loans were 30+ year, with 618 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$5k+ 1,267 $878,275,000 $693,193
$1k-2k 172 $122,980,000 $715,000
$3k-4k 75 $22,305,000 $297,400
$2k-3k 34 $22,090,000 $649,706
$<1k 2 $1,950,000 $975,000

$15,309 of loans were Homexpress Mortgage Corp.'s average total fees, while their most frequently occuring range of origination fees were in the $5k+ bucket, with 1,267 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
4-5% 1,746 $801,360,000 $458,969
5-6% 877 $395,635,000 $451,123
3-4% 763 $460,555,000 $603,611
6-7% 271 $114,855,000 $423,819
2.5-3% 43 $41,235,000 $958,953
7-8% 40 $15,050,000 $376,250
<2.5% 5 $5,025,000 $1,005,000
Over 8% 3 $595,000 $198,333

During 2021, Homexpress Mortgage Corp.'s average interest rate of loans were 4.77%, while their most frequently originated rate bucket of loans were 4-5%, with 1,746 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,430 $412,420,000 $288,406 $10,246 4.92%
$400k-600k 721 $349,525,000 $484,778 $13,372 4.88%
$100k-200k 669 $103,615,000 $154,880 $7,102 4.79%
$600k-1MM 552 $420,150,000 $761,141 $17,411 4.60%
$1MM+ 375 $548,505,000 $1,462,680 $27,121 4.41%
$100,000 or less 1 $95,000 $95,000 $8,380 7.00%

2021 saw Homexpress Mortgage Corp. place emphasis on $200k-400k loans with 1,430 originations, totaling $412,420,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 2,150 $754,000,000 $350,698 $10,829 4.80%
$250k+ 728 $682,160,000 $937,033 $19,737 4.62%
$150k-250k 366 $215,020,000 $587,486 $14,751 4.77%
$100k-150k 256 $107,610,000 $420,352 $12,530 5.00%
$75k-100k 129 $43,715,000 $338,876 $10,027 5.05%
$50k-75k 118 $31,550,000 $267,373 $9,507 5.10%

Homexpress Mortgage Corp. lent most frequently to those with incomes in the $50k or less range, with 2,150 originations. The second most popular income band? $250k+, with 728 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
<20% 2,165 $878,055,000 $405,568 $16,502 4.78%
20-30% 328 $210,670,000 $642,287 $15,395 4.64%
30-36% 248 $176,480,000 $711,613 $15,983 4.69%
42% 66 $44,070,000 $667,727 $16,351 4.43%
49% 63 $37,515,000 $595,476 $14,915 5.07%
41% 58 $36,040,000 $621,379 $13,860 4.76%
40% 56 $34,210,000 $610,893 $14,735 4.71%
48% 52 $38,400,000 $738,462 $17,124 5.08%
38% 45 $38,225,000 $849,444 $16,930 4.77%
36% 45 $30,605,000 $680,111 $15,625 4.64%
39% 42 $29,640,000 $705,714 $14,011 4.75%
45% 40 $28,280,000 $707,000 $15,936 5.24%
47% 40 $26,640,000 $666,000 $14,275 5.24%
43% 38 $21,360,000 $562,105 $12,853 5.12%
46% 37 $22,145,000 $598,514 $13,451 5.24%
37% 37 $23,585,000 $637,432 $16,454 4.97%
50-60% 34 $20,200,000 $594,118 $17,300 5.23%
44% 34 $19,760,000 $581,176 $16,251 5.30%

Homexpress Mortgage Corp. lent most frequently to those with DTI ratios of <20%, with 2,165 originations. The next most common DTI ratio? 20-30%, with 328 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,915 $945,105,000 $493,527 $15,187 4.82%
Not provided 957 $494,905,000 $517,142 $16,717 4.74%
Asian 599 $274,865,000 $458,873 $16,098 4.61%
Black 253 $105,705,000 $417,806 $16,870 5.18%
American Indian 16 $10,500,000 $656,250 $15,559 5.46%
Native Hawaiian 7 $2,975,000 $425,000 $10,606 5.32%
Not applicable 1 $255,000 $255,000 $0 4.50%

Approval Rates

Total approvals of all applications
68.22%

Homexpress Mortgage Corp. has a low approval rate. They may have poor market targeting or stringent lending standards.

Pick Rate

Approvals leading to origination
74.86%

Homexpress Mortgage Corp. has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 3,748 $1,834,310,000 $489,410

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
3,748 $1,834,310,000 $489,410

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 123 $53,015,000 $431,016 $11,570 4.13%
40-60% 520 $297,940,000 $572,962 $15,409 4.37%
60-80% 2,602 $1,174,190,000 $451,264 $16,122 4.86%
80-100% 495 $307,855,000 $621,929 $15,905 5.06%
Under 20% 8 $1,310,000 $163,750 $6,534 4.37%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Homespire Mortgage Corp Conventional home mortgage Struggling to pay mortgage 1 100.0%