Homexpress Mortgage Corp. Rates, Fees & Info

NEWARK, DE

LEI: 549300R77W0P105C3S50

Tax ID: 47-5349678

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Homexpress Mortgage Corp. is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Homexpress Mortgage Corp. has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Francisco, San Jose, Miami, and Sacramento among others. We have data for 165 markets. (Some data included below & more in-depth data is available with an active subscription.)

Homexpress Mortgage Corp. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Homexpress Mortgage 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 relatively high 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	8.37%	11/21/24
30 Year Conventional Refi	8.00%	11/21/24
30 Year Cash-out Refi	8.39%	11/21/24
30 Year FHA Purchase	7.22%	11/21/24
30 Year FHA Refi	6.40%	11/21/24
15 Year FHA Purchase	5.68%	11/21/24
15 Year FHA Refi	5.68%	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.

Homexpress Mortgage Corp. Mortgage Calculator

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Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Homexpress Mortgage 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

1,914

Origination Dollar Volume (All Markets)

$812,850,000

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)	243	$144,555,000	$594,877	$15,882	6.33%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	130	$93,930,000	$722,538	$14,224	6.37%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	41	$34,655,000	$845,244	$13,213	6.39%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	88	$32,330,000	$367,386	$14,467	6.62%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	82	$31,160,000	$380,000	$9,070	6.68%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	92	$30,200,000	$328,261	$11,607	7.06%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	85	$29,765,000	$350,176	$10,582	6.82%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	84	$25,780,000	$306,905	$7,014	7.43%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	48	$25,160,000	$524,167	$11,594	6.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	51	$23,995,000	$470,490	$11,257	6.81%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	58	$20,850,000	$359,483	$8,869	7.01%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	66	$19,540,000	$296,061	$8,308	7.21%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	35	$16,355,000	$467,286	$11,462	6.52%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	42	$15,620,000	$371,905	$8,548	7.07%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	37	$15,095,000	$407,973	$12,874	6.96%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	33	$14,085,000	$426,818	$10,026	6.72%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	42	$13,810,000	$328,810	$8,933	7.31%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	38	$12,630,000	$332,368	$9,590	6.55%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	17	$11,145,000	$655,588	$14,219	6.35%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	30	$9,870,000	$329,000	$11,466	7.16%
VALLEJO, CA (FHA\|USDA\|VA)	19	$8,085,000	$425,526	$9,082	7.08%
SALINAS, CA (FHA\|USDA\|VA)	9	$6,475,000	$719,444	$11,394	6.19%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	8	$6,310,000	$788,750	$18,896	5.37%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	16	$6,140,000	$383,750	$11,324	7.03%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	23	$5,845,000	$254,130	$10,635	6.66%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	13	$5,755,000	$442,692	$12,062	6.85%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	14	$5,510,000	$393,571	$13,684	6.35%
BOISE CITY, ID (FHA\|USDA\|VA)	16	$5,490,000	$343,125	$10,876	6.98%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	18	$5,330,000	$296,111	$9,593	7.21%
Heber, UT (FHA\|USDA\|VA)	5	$5,285,000	$1,057,000	$9,435	6.87%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	11	$5,255,000	$477,727	$9,926	6.81%
PROVO-OREM, UT (FHA\|USDA\|VA)	9	$5,095,000	$566,111	$6,796	7.08%
STOCKTON, CA (FHA\|USDA\|VA)	15	$4,595,000	$306,333	$8,605	6.53%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	18	$4,560,000	$253,333	$9,167	7.53%
JACKSONVILLE, FL (FHA\|USDA\|VA)	16	$4,480,000	$280,000	$9,064	7.35%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	5	$4,355,000	$871,000	$16,135	7.17%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	15	$4,035,000	$269,000	$7,890	7.22%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	13	$3,905,000	$300,385	$8,087	7.21%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	15	$3,845,000	$256,333	$9,828	6.65%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	10	$3,620,000	$362,000	$7,841	7.22%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	12	$3,550,000	$295,833	$8,309	7.02%
Outside of Metro Areas	14	$3,200,000	$228,571	$8,732	6.93%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	7	$2,985,000	$426,429	$13,544	7.00%
SALEM, OR (FHA\|USDA\|VA)	6	$2,770,000	$461,667	$11,875	6.83%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	8	$2,600,000	$325,000	$8,950	6.27%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	9	$2,455,000	$272,778	$7,069	7.69%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	6	$2,440,000	$406,667	$10,740	6.94%
RENO, NV (FHA\|USDA\|VA)	3	$2,405,000	$801,667	$9,191	7.46%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	3	$2,305,000	$768,333	$18,607	6.71%
MODESTO, CA (FHA\|USDA\|VA)	6	$2,130,000	$355,000	$9,099	6.83%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	8	$2,050,000	$256,250	$10,971	6.12%
BEND, OR (FHA\|USDA\|VA)	4	$2,020,000	$505,000	$10,705	6.75%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	3	$2,015,000	$671,667	$17,744	5.75%
ST. GEORGE, UT (FHA\|USDA\|VA)	6	$1,870,000	$311,667	$4,612	7.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$1,655,000	$1,655,000	$33,675	7.00%
NAPA, CA (FHA\|USDA\|VA)	3	$1,565,000	$521,667	$11,573	6.37%
FRESNO, CA (FHA\|USDA\|VA)	5	$1,535,000	$307,000	$10,597	7.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	7	$1,435,000	$205,000	$9,654	7.04%
YUBA CITY, CA (FHA\|USDA\|VA)	5	$1,425,000	$285,000	$7,379	6.68%
LANCASTER, PA (FHA\|USDA\|VA)	1	$1,385,000	$1,385,000	$26,459	5.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	3	$1,245,000	$415,000	$9,326	7.33%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	7	$1,215,000	$173,571	$6,739	7.04%
Eureka-Arcata, CA (FHA\|USDA\|VA)	3	$1,175,000	$391,667	$13,052	6.08%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	7	$1,115,000	$159,286	$7,662	7.25%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	5	$1,115,000	$223,000	$4,000	7.55%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	2	$1,100,000	$550,000	$12,293	6.19%
COLUMBUS, OH (FHA\|USDA\|VA)	5	$1,045,000	$209,000	$4,072	7.22%
Edwards, CO (FHA\|USDA\|VA)	2	$990,000	$495,000	$13,281	7.50%
GREELEY, CO (FHA\|USDA\|VA)	4	$960,000	$240,000	$7,646	6.94%
MADISON, WI (FHA\|USDA\|VA)	2	$870,000	$435,000	$2,590	7.44%
Hailey, ID (FHA\|USDA\|VA)	1	$865,000	$865,000	$16,514	6.88%
MERCED, CA (FHA\|USDA\|VA)	3	$855,000	$285,000	$7,844	7.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	3	$835,000	$278,333	$16,206	6.33%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	5	$825,000	$165,000	$7,638	7.40%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	3	$825,000	$275,000	$4,391	7.92%
FORT COLLINS, CO (FHA\|USDA\|VA)	3	$785,000	$261,667	$9,751	7.83%
PUNTA GORDA, FL (FHA\|USDA\|VA)	3	$775,000	$258,333	$7,041	7.67%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	3	$745,000	$248,333	$10,247	6.67%
TALLAHASSEE, FL (FHA\|USDA\|VA)	4	$740,000	$185,000	$7,666	7.09%
Outside of Metro Areas	2	$740,000	$370,000	$14,197	7.31%
TUCSON, AZ (FHA\|USDA\|VA)	4	$730,000	$182,500	$3,712	7.59%
Whitewater, WI (FHA\|USDA\|VA)	2	$720,000	$360,000	$6,521	7.00%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	3	$715,000	$238,333	$5,607	6.62%
MADERA, CA (FHA\|USDA\|VA)	3	$705,000	$235,000	$10,812	6.83%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	2	$670,000	$335,000	$10,753	6.56%
BAKERSFIELD, CA (FHA\|USDA\|VA)	4	$650,000	$162,500	$8,602	6.44%
PITTSBURGH, PA (FHA\|USDA\|VA)	2	$630,000	$315,000	$11,612	6.87%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	3	$615,000	$205,000	$11,521	7.29%
Moses Lake, WA (FHA\|USDA\|VA)	2	$600,000	$300,000	$11,793	6.50%
Ellensburg, WA (FHA\|USDA\|VA)	1	$555,000	$555,000	$4,622	6.63%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	2	$530,000	$265,000	$6,620	6.88%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	1	$515,000	$515,000	$17,442	6.00%
CHICO, CA (FHA\|USDA\|VA)	2	$510,000	$255,000	$9,496	7.38%
GRANTS PASS, OR (FHA\|USDA\|VA)	1	$505,000	$505,000	$15,756	7.38%
BOULDER, CO (FHA\|USDA\|VA)	2	$500,000	$250,000	$9,762	8.13%
Port Angeles, WA (FHA\|USDA\|VA)	1	$475,000	$475,000	$3,543	5.75%
Pahrump, NV (FHA\|USDA\|VA)	2	$460,000	$230,000	$7,100	6.56%
WENATCHEE, WA (FHA\|USDA\|VA)	2	$460,000	$230,000	$9,155	6.13%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	1	$455,000	$455,000	$11,516	7.25%
Oak Harbor, WA (FHA\|USDA\|VA)	1	$445,000	$445,000	$13,193	6.38%
Clearlake, CA (FHA\|USDA\|VA)	2	$420,000	$210,000	$6,707	7.81%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	2	$410,000	$205,000	$8,264	6.94%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	2	$410,000	$205,000	$3,924	7.13%
Astoria, OR (FHA\|USDA\|VA)	1	$405,000	$405,000	$11,067	7.00%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$395,000	$395,000	$3,929	8.12%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	1	$395,000	$395,000	$4,165	8.37%
Vernal, UT (FHA\|USDA\|VA)	1	$335,000	$335,000	$10,187	7.13%
Mineral Wells, TX (FHA\|USDA\|VA)	1	$335,000	$335,000	$7,121	6.88%
SALISBURY, MD-DE (FHA\|USDA\|VA)	2	$330,000	$165,000	$7,380	7.69%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	1	$305,000	$305,000	$12,961	8.00%
Brevard, NC (FHA\|USDA\|VA)	1	$295,000	$295,000	$9,083	5.75%
Washington, NC (FHA\|USDA\|VA)	1	$275,000	$275,000	$10,304	5.87%
REDDING, CA (FHA\|USDA\|VA)	1	$275,000	$275,000	$7,947	6.13%
Crescent City, CA (FHA\|USDA\|VA)	1	$275,000	$275,000	$8,287	6.87%
Beaver Dam, WI (FHA\|USDA\|VA)	1	$275,000	$275,000	$10,472	8.25%
EL PASO, TX (FHA\|USDA\|VA)	2	$270,000	$135,000	$7,376	7.06%
CARSON CITY, NV (FHA\|USDA\|VA)	1	$265,000	$265,000	$6,556	5.50%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	2	$260,000	$130,000	$4,670	6.81%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	2	$260,000	$130,000	$7,154	8.00%
Kill Devil Hills, NC (FHA\|USDA\|VA)	1	$255,000	$255,000	$10,428	7.88%
Greensburg, IN (FHA\|USDA\|VA)	2	$250,000	$125,000	$0	7.50%
Sonora, CA (FHA\|USDA\|VA)	1	$245,000	$245,000	$8,004	6.13%
Wisconsin Rapids-Marshfield, WI (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,840	7.50%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,567	5.88%
Gardnerville Ranchos, NV (FHA\|USDA\|VA)	1	$235,000	$235,000	$3,140	7.88%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$235,000	$235,000	$11,729	5.25%
Breckenridge, CO (FHA\|USDA\|VA)	1	$235,000	$235,000	$3,792	7.75%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	2	$230,000	$115,000	$6,929	6.81%
OCALA, FL (FHA\|USDA\|VA)	2	$230,000	$115,000	$7,159	7.19%
Ukiah, CA (FHA\|USDA\|VA)	1	$225,000	$225,000	$6,167	5.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$225,000	$225,000	$4,208	6.50%
Roseburg, OR (FHA\|USDA\|VA)	2	$220,000	$110,000	$9,105	8.25%
IDAHO FALLS, ID (FHA\|USDA\|VA)	1	$205,000	$205,000	$8,899	6.25%
TOLEDO, OH (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,535	6.00%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$195,000	$195,000	$9,687	5.87%
SAVANNAH, GA (FHA\|USDA\|VA)	1	$195,000	$195,000	$8,676	7.00%
Jackson, WY-ID (FHA\|USDA\|VA)	1	$195,000	$195,000	$11,265	6.75%
Lufkin, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,950	8.87%
Jacksonville, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$8,984	7.25%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,656	6.75%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$185,000	$185,000	$4,728	8.25%
BELLINGHAM, WA (FHA\|USDA\|VA)	1	$185,000	$185,000	$10,011	5.88%
PUEBLO, CO (FHA\|USDA\|VA)	1	$185,000	$185,000	$8,056	7.25%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	1	$175,000	$175,000	$6,946	6.38%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	1	$175,000	$175,000	$10,032	7.38%
AKRON, OH (FHA\|USDA\|VA)	1	$165,000	$165,000	$5,373	7.37%
Defiance, OH (FHA\|USDA\|VA)	1	$165,000	$165,000	$3,524	9.50%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	7.13%
Forest City, NC (FHA\|USDA\|VA)	1	$165,000	$165,000	$10,666	6.88%
Freeport, IL (FHA\|USDA\|VA)	1	$165,000	$165,000	$7,105	8.25%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	1	$155,000	$155,000	$7,567	7.25%
GAINESVILLE, FL (FHA\|USDA\|VA)	1	$135,000	$135,000	$9,025	6.50%
OSHKOSH-NEENAH, WI (FHA\|USDA\|VA)	1	$125,000	$125,000	$5,285	6.87%
VISALIA, CA (FHA\|USDA\|VA)	1	$125,000	$125,000	$4,937	7.50%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	1	$125,000	$125,000	$6,255	7.25%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	1	$115,000	$115,000	$6,333	7.38%
Torrington, CT (FHA\|USDA\|VA)	1	$115,000	$115,000	$7,277	7.75%
SIERRA VISTA-DOUGLAS, AZ (FHA\|USDA\|VA)	1	$115,000	$115,000	$6,120	8.25%
TWIN FALLS, ID (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,286	7.00%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,472	7.88%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.63%
LA CROSSE-ONALASKA, WI-MN (FHA\|USDA\|VA)	1	$105,000	$105,000	$4,587	7.25%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	1	$105,000	$105,000	$6,229	8.87%
Watertown-Fort Atkinson, WI (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,562	7.25%
RICHMOND, VA (FHA\|USDA\|VA)	1	$105,000	$105,000	$5,505	7.88%

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

Their top states include:

California (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Nevada (FHA|USDA|VA)

Washington (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against HOMEXPRESS MORTGAGE CORP. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

N C P D Federal Credit Union
Similarity Rank: 56

Liberty Bank for Savings
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Schuyler Savings Bank
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FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
Similarity Rank: 122

MYPOINT Credit Union
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Union County Savings Bank
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Educational Employees Credit Union
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BIRMINGHAM-BLOOMFIELD Credit Union
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Prudential Bank
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PIONEER
Similarity Rank: 168

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,914	$812,850,000	$424,687	$11,088	6.80%

For 2019, Homexpress Mortgage Corp.'s most frequently originated type of loan was Conventional, with 1,914 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Cash Out Refi	816	$337,950,000	$414,154	$11,178	6.77%
Home Purchase	788	$332,410,000	$421,840	$11,038	6.90%
Refi	267	$122,215,000	$457,734	$11,135	6.60%
Home Improvement	43	$20,275,000	$471,512	$10,102	6.87%

For 2019, Homexpress Mortgage Corp.'s most frequently cited loan purpose was Cash Out Refi, with 816 originations. The 2nd most popular reason was Home Purchase, with 788 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,699	$669,075,000	$393,805	$10,662	6.84%
30+ year	215	$143,775,000	$668,721	$14,702	6.52%

For 2019, Homexpress Mortgage Corp.'s most frequently cited loan duration was 30 Year, with 1,699 originations. The 2nd most popular length was 30+ year, with 215 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$5k+	1,139	$527,105,000	$462,779
$1k-2k	400	$187,580,000	$468,950
$4k-5k	128	$22,620,000	$176,719
$3k-4k	69	$14,955,000	$216,739
$2k-3k	28	$9,340,000	$333,571
$<1k	8	$3,580,000	$447,500

Homexpress Mortgage Corp.'s average total fees were $10,662, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,139 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
6-7%	639	$273,215,000	$427,567
7-8%	549	$192,355,000	$350,373
5-6%	424	$220,800,000	$520,755
Over 8%	222	$70,300,000	$316,667
4-5%	80	$56,180,000	$702,250

During 2019, Homexpress Mortgage Corp.'s average interest rate for loans was 6.84%, while their most frequently originated rate bucket for loans was 6-7%, with 639 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	689	$198,355,000	$287,888	$9,457	6.83%
$100k-200k	478	$72,160,000	$150,962	$6,912	7.22%
$400k-600k	358	$173,750,000	$485,335	$12,562	6.63%
$600k-1MM	273	$210,355,000	$770,531	$15,252	6.45%
$1MM+	114	$158,040,000	$1,386,316	$22,441	6.25%
$100,000 or less	2	$190,000	$95,000	$6,162	7.75%

2019 saw Homexpress Mortgage Corp. place emphasis on $200k-400k loans with 689 originations, totaling $198,355,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$250k+	377	$283,575,000	$752,188	$14,765	6.61%
$100k-150k	345	$128,045,000	$371,145	$10,182	6.79%
$150k-250k	319	$163,095,000	$511,270	$12,084	6.73%
$75k-100k	222	$62,920,000	$283,423	$9,563	6.87%
$50k or less	204	$53,700,000	$263,235	$7,258	6.72%
$50k-75k	175	$37,675,000	$215,286	$8,264	7.04%

Homexpress Mortgage Corp. lent most frequently to those with incomes in the $250k+ range, with 377 originations. The second most popular income band? $100k-150k, with 345 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
<20%	473	$169,995,000	$359,397	$10,883	6.87%
20-30%	202	$94,040,000	$465,545	$10,981	6.66%
30-36%	184	$81,420,000	$442,500	$10,563	6.84%
50-60%	123	$67,035,000	$545,000	$14,170	6.64%
49%	122	$53,650,000	$439,754	$11,892	6.65%
48%	104	$43,910,000	$422,212	$11,907	6.77%
47%	81	$32,445,000	$400,556	$10,637	6.84%
46%	70	$25,450,000	$363,571	$10,249	7.03%
43%	61	$29,075,000	$476,639	$9,690	7.03%
40%	60	$21,900,000	$365,000	$9,172	7.09%
45%	56	$23,820,000	$425,357	$8,975	7.20%
42%	53	$27,605,000	$520,849	$12,373	6.63%
44%	53	$24,795,000	$467,830	$9,931	6.68%
41%	49	$25,215,000	$514,592	$11,139	6.70%
38%	43	$19,495,000	$453,372	$11,342	7.12%
39%	42	$21,450,000	$510,714	$12,538	6.70%
37%	32	$11,810,000	$369,063	$10,439	6.51%
36%	31	$13,755,000	$443,710	$10,708	6.93%
>60%	8	$3,020,000	$377,500	$11,050	6.42%

Homexpress Mortgage Corp. lent most frequently to those with DTI ratios of <20%, with 473 originations. The next most common DTI ratio? 20-30%, with 202 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,196	$499,760,000	$417,860	$10,633	6.80%
Not provided	338	$150,960,000	$446,627	$12,369	6.77%
Asian	175	$87,595,000	$500,543	$10,644	6.67%
Black	185	$68,055,000	$367,865	$12,236	7.02%
Native Hawaiian or Islander	11	$3,625,000	$329,545	$11,133	6.78%
American Indian	7	$1,515,000	$216,429	$8,661	6.84%
Not applicable	1	$1,035,000	$1,035,000	$13,680	6.00%
Asian Indian	1	$305,000	$305,000	$10,991	8.00%

Approval Rates

Total approvals of all applications
70.82%

Homexpress Mortgage Corp. has a below average approval rate.

Pick Rate

Approvals leading to origination
72.83%

Homexpress Mortgage Corp. has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,914	$812,850,000	$424,687

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Site-Built	1,914	$812,850,000	$424,687

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	60	$18,290,000	$304,833	$10,198	6.04%
40-60%	280	$114,410,000	$408,607	$10,875	6.29%
60-80%	1,161	$485,955,000	$418,566	$11,059	6.84%
80-100%	407	$193,055,000	$474,337	$11,502	7.17%
Under 20%	6	$1,140,000	$190,000	$6,090	6.08%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
Homespire Mortgage Corp	FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	1	33.3%
Homespire Mortgage Corp	Other type of mortgage	Closing on a mortgage	1	33.3%
Homespire Mortgage Corp	Other type of mortgage	Trouble during payment process	1	33.3%