Hometown Equity Mortgage Rates, Fees & Info

Clayton, MO

LEI: 549300RA3E0BUFO7YZ21

Tax ID: 43-1937428

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

Review & Overview

Hometown Equity Mortgage is a small mortgage company specializing in Home Purchase and Cash Out Refi loans. Hometown Equity Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Riverside, New York, Miami, and San Diego among others. We have data for 304 markets. (Some data included below & more in-depth data is available with an active subscription.)

Hometown Equity Mortgage 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. Hometown Equity Mortgage 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.

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	8.28%	11/17/24
30 Year Conventional Refi	7.48%	11/17/24
30 Year Cash-out Refi	7.84%	11/17/24
30 Year FHA Purchase	7.72%	11/17/24
30 Year FHA Refi	7.10%	11/17/24
30 Year VA Purchase	6.40%	11/17/24
30 Year VA Refi	5.96%	11/17/24
30 Year USDA Purchase	6.81%	11/17/24
30 Year USDA Refi	6.27%	11/17/24
15 Year Conventional Purchase	6.25%	11/17/24
15 Year Conventional Refi	6.15%	11/17/24
15 Year Cash-out Refi	6.15%	11/17/24
15 Year FHA Purchase	7.21%	11/17/24
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.

Hometown Equity Mortgage Mortgage Calculator

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This is not an official calculator from Hometown Equity Mortgage. 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

7,580

Origination Dollar Volume (All Markets)

$2,682,380,000

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)	1,457	$762,285,000	$523,188	$10,262	3.47%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	1,173	$429,595,000	$366,236	$8,310	3.37%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	235	$129,585,000	$551,426	$12,216	4.63%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	291	$97,205,000	$334,038	$9,820	4.14%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	146	$84,140,000	$576,301	$9,909	3.43%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	195	$72,885,000	$373,769	$7,764	3.62%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	267	$60,415,000	$226,273	$8,127	4.02%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	94	$58,600,000	$623,404	$11,172	3.74%
VALLEJO, CA (FHA\|USDA\|VA)	98	$47,190,000	$481,531	$9,880	3.42%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	135	$34,185,000	$253,222	$8,554	3.68%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	60	$33,920,000	$565,333	$10,945	3.46%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	135	$32,805,000	$243,000	$9,144	3.96%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	133	$32,435,000	$243,872	$7,832	4.30%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	101	$30,095,000	$297,970	$9,540	3.86%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	126	$27,200,000	$215,873	$7,900	4.51%
Outside of Metro Areas	105	$25,425,000	$242,143	$5,702	4.01%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	27	$23,895,000	$885,000	$8,790	3.71%
STOCKTON, CA (FHA\|USDA\|VA)	64	$23,350,000	$364,844	$8,681	3.74%
BATON ROUGE, LA (FHA\|USDA\|VA)	124	$23,070,000	$186,048	$7,115	3.70%
MODESTO, CA (FHA\|USDA\|VA)	63	$21,215,000	$336,746	$7,897	3.45%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	32	$19,870,000	$620,938	$9,825	4.38%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	85	$19,855,000	$233,588	$7,845	4.56%
FRESNO, CA (FHA\|USDA\|VA)	73	$19,455,000	$266,507	$7,853	3.70%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	38	$19,190,000	$505,000	$8,887	4.51%
BAKERSFIELD, CA (FHA\|USDA\|VA)	77	$18,685,000	$242,662	$7,319	3.65%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	35	$18,265,000	$521,857	$6,392	4.11%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	58	$17,200,000	$296,552	$7,586	4.32%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	96	$16,700,000	$173,958	$7,622	4.16%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	30	$16,300,000	$543,333	$14,523	4.46%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	59	$16,185,000	$274,322	$5,571	4.31%
JACKSONVILLE, FL (FHA\|USDA\|VA)	65	$14,075,000	$216,538	$7,441	4.28%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	77	$13,785,000	$179,026	$6,914	4.39%
SALINAS, CA (FHA\|USDA\|VA)	29	$13,445,000	$463,621	$8,354	3.58%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	43	$11,915,000	$277,093	$9,453	3.86%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	60	$11,590,000	$193,167	$8,089	4.17%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	57	$10,535,000	$184,825	$7,138	4.34%
RICHMOND, VA (FHA\|USDA\|VA)	59	$10,065,000	$170,593	$7,917	4.60%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	42	$9,190,000	$218,810	$6,941	4.56%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	44	$8,960,000	$203,636	$5,621	4.94%
VISALIA, CA (FHA\|USDA\|VA)	35	$8,905,000	$254,429	$8,364	3.37%
WACO, TX (FHA\|USDA\|VA)	36	$8,620,000	$239,444	$5,747	3.25%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	26	$7,940,000	$305,385	$8,058	4.59%
MERCED, CA (FHA\|USDA\|VA)	26	$7,820,000	$300,769	$7,550	3.48%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	29	$7,635,000	$263,276	$6,728	3.78%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	17	$7,275,000	$427,941	$7,145	4.35%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	29	$6,975,000	$240,517	$7,881	4.32%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	13	$6,975,000	$536,538	$13,600	4.16%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	23	$6,965,000	$302,826	$7,580	4.40%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	30	$6,800,000	$226,667	$6,097	4.43%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	35	$6,795,000	$194,143	$7,283	4.26%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	22	$6,340,000	$288,182	$6,873	3.97%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	34	$6,320,000	$185,882	$5,207	3.30%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	10	$6,170,000	$617,000	$0	4.78%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	29	$6,085,000	$209,828	$6,157	3.73%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	32	$6,000,000	$187,500	$7,019	4.09%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	28	$5,370,000	$191,786	$7,811	4.39%
COLUMBIA, SC (FHA\|USDA\|VA)	37	$5,215,000	$140,946	$6,856	4.70%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	37	$5,045,000	$136,351	$6,582	4.88%
Key West, FL (FHA\|USDA\|VA)	6	$4,980,000	$830,000	$0	4.85%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	30	$4,830,000	$161,000	$6,495	4.95%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	18	$4,770,000	$265,000	$6,113	4.56%
OCALA, FL (FHA\|USDA\|VA)	23	$4,415,000	$191,957	$7,314	3.83%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	19	$3,955,000	$208,158	$10,580	4.30%
Sevierville, TN (FHA\|USDA\|VA)	8	$3,950,000	$493,750	$0	4.95%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	6	$3,920,000	$653,333	$7,014	4.56%
Hilo, HI (FHA\|USDA\|VA)	4	$3,730,000	$932,500	$0	4.91%
WORCESTER, MA-CT (FHA\|USDA\|VA)	12	$3,570,000	$297,500	$7,185	4.92%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	15	$3,565,000	$237,667	$8,093	3.31%
OCEAN CITY, NJ (FHA\|USDA\|VA)	3	$3,345,000	$1,115,000	$0	4.54%
KAHULUI-WAILUKU-LAHAINA, HI (FHA\|USDA\|VA)	5	$3,235,000	$647,000	$0	5.18%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	19	$3,195,000	$168,158	$4,779	4.33%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	7	$2,995,000	$427,857	$0	4.87%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	4	$2,940,000	$735,000	$25,402	4.31%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	9	$2,905,000	$322,778	$14,971	4.79%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	12	$2,690,000	$224,167	$6,939	3.77%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	6	$2,620,000	$436,667	$6,849	3.64%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	16	$2,610,000	$163,125	$5,295	3.78%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	9	$2,545,000	$282,778	$10,997	4.31%
EL PASO, TX (FHA\|USDA\|VA)	15	$2,415,000	$161,000	$5,112	3.94%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	11	$2,345,000	$213,182	$7,321	4.75%
PUNTA GORDA, FL (FHA\|USDA\|VA)	10	$2,330,000	$233,000	$7,489	4.30%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	9	$2,265,000	$251,667	$5,574	3.64%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	9	$2,165,000	$240,556	$7,792	3.44%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	8	$2,110,000	$263,750	$7,479	4.47%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	8	$2,090,000	$261,250	$6,546	4.61%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	10	$2,080,000	$208,000	$8,689	3.15%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	5	$2,065,000	$413,000	$5,096	4.63%
GREELEY, CO (FHA\|USDA\|VA)	6	$2,000,000	$333,333	$5,439	4.06%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	13	$1,945,000	$149,615	$0	5.05%
BEND, OR (FHA\|USDA\|VA)	4	$1,940,000	$485,000	$3,296	3.72%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	12	$1,860,000	$155,000	$6,227	4.72%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	10	$1,750,000	$175,000	$5,436	5.25%
Sonora, CA (FHA\|USDA\|VA)	8	$1,740,000	$217,500	$7,240	4.54%
GAINESVILLE, FL (FHA\|USDA\|VA)	10	$1,740,000	$174,000	$6,469	4.41%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	3	$1,695,000	$565,000	$3,278	4.54%
PITTSBURGH, PA (FHA\|USDA\|VA)	13	$1,685,000	$129,615	$9,076	4.66%
LEXINGTON-FAYETTE, KY (FHA\|USDA\|VA)	8	$1,630,000	$203,750	$4,844	3.67%
NAPA, CA (FHA\|USDA\|VA)	3	$1,605,000	$535,000	$19,337	3.71%
Cedartown, GA (FHA\|USDA\|VA)	11	$1,585,000	$144,091	$7,250	3.45%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	11	$1,565,000	$142,273	$5,845	3.40%
SPRINGFIELD, MA (FHA\|USDA\|VA)	7	$1,565,000	$223,571	$5,514	4.45%
LOUISVILLE, KY (FHA\|USDA\|VA)	7	$1,565,000	$223,571	$4,002	5.34%
TALLAHASSEE, FL (FHA\|USDA\|VA)	10	$1,560,000	$156,000	$4,680	4.66%
SPRINGFIELD, MO (FHA\|USDA\|VA)	11	$1,425,000	$129,545	$4,743	4.42%
TUCSON, AZ (FHA\|USDA\|VA)	6	$1,400,000	$233,333	$8,172	4.50%
YUBA CITY, CA (FHA\|USDA\|VA)	7	$1,395,000	$199,286	$7,655	4.95%
MADERA, CA (FHA\|USDA\|VA)	4	$1,390,000	$347,500	$7,731	2.84%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	2	$1,390,000	$695,000	$10,279	4.56%
COLUMBUS, OH (FHA\|USDA\|VA)	7	$1,385,000	$197,857	$5,315	3.16%
CEDAR RAPIDS, IA (FHA\|USDA\|VA)	12	$1,360,000	$113,333	$4,416	4.57%
FORT COLLINS, CO (FHA\|USDA\|VA)	5	$1,355,000	$271,000	$7,511	4.45%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	5	$1,355,000	$271,000	$0	5.03%
SAVANNAH, GA (FHA\|USDA\|VA)	7	$1,345,000	$192,143	$4,475	4.77%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	8	$1,340,000	$167,500	$7,595	3.34%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	7	$1,295,000	$185,000	$8,248	4.63%
SPARTANBURG, SC (FHA\|USDA\|VA)	6	$1,280,000	$213,333	$7,221	4.50%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	4	$1,280,000	$320,000	$13,235	3.94%
Port Angeles, WA (FHA\|USDA\|VA)	3	$1,275,000	$425,000	$9,019	4.13%
HAMMOND, LA (FHA\|USDA\|VA)	6	$1,240,000	$206,667	$8,042	4.77%
EL CENTRO, CA (FHA\|USDA\|VA)	7	$1,235,000	$176,429	$6,972	2.93%
ASHEVILLE, NC (FHA\|USDA\|VA)	4	$1,230,000	$307,500	$5,724	5.28%
Torrington, CT (FHA\|USDA\|VA)	8	$1,220,000	$152,500	$6,109	4.78%
CHICO, CA (FHA\|USDA\|VA)	4	$1,210,000	$302,500	$0	4.69%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	4	$1,210,000	$302,500	$10,111	3.41%
Orangeburg, SC (FHA\|USDA\|VA)	7	$1,205,000	$172,143	$5,165	3.14%
PROVO-OREM, UT (FHA\|USDA\|VA)	4	$1,180,000	$295,000	$0	4.41%
LAFAYETTE, LA (FHA\|USDA\|VA)	7	$1,125,000	$160,714	$5,835	4.20%
MEDFORD, OR (FHA\|USDA\|VA)	2	$1,110,000	$555,000	$4,998	3.81%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	1	$1,105,000	$1,105,000	$0	3.99%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	4	$1,090,000	$272,500	$0	4.78%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	4	$1,080,000	$270,000	$7,447	4.22%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	4	$1,010,000	$252,500	$6,498	3.62%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	5	$1,005,000	$201,000	$5,841	3.78%
PANAMA CITY, FL (FHA\|USDA\|VA)	4	$990,000	$247,500	$8,965	3.81%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	2	$950,000	$475,000	$1,862	4.31%
VICTORIA, TX (FHA\|USDA\|VA)	6	$950,000	$158,333	$7,219	5.27%
LAKE CHARLES, LA (FHA\|USDA\|VA)	4	$950,000	$237,500	$4,240	3.72%
Morehead City, NC (FHA\|USDA\|VA)	2	$940,000	$470,000	$0	5.06%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	3	$915,000	$305,000	$5,166	4.38%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	4	$910,000	$227,500	$0	4.65%
Kill Devil Hills, NC (FHA\|USDA\|VA)	2	$900,000	$450,000	$9,864	3.25%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	5	$895,000	$179,000	$4,783	4.75%
Arcadia, FL (FHA\|USDA\|VA)	3	$885,000	$295,000	$5,048	5.17%
TYLER, TX (FHA\|USDA\|VA)	5	$885,000	$177,000	$0	5.70%
READING, PA (FHA\|USDA\|VA)	5	$845,000	$169,000	$8,318	3.80%
SANTA CRUZ-WATSONVILLE, CA (FHA\|USDA\|VA)	2	$840,000	$420,000	$0	5.00%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	5	$825,000	$165,000	$5,456	3.97%
Montrose, CO (FHA\|USDA\|VA)	3	$785,000	$261,667	$4,193	2.79%
Pottsville, PA (FHA\|USDA\|VA)	3	$765,000	$255,000	$6,958	5.33%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	4	$740,000	$185,000	$8,922	3.19%
SALEM, OR (FHA\|USDA\|VA)	4	$730,000	$182,500	$6,694	4.06%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	4	$720,000	$180,000	$6,890	3.19%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	2	$710,000	$355,000	$2,238	4.38%
NORWICH-NEW LONDON, CT (FHA\|USDA\|VA)	6	$710,000	$118,333	$5,361	4.67%
SALISBURY, MD-DE (FHA\|USDA\|VA)	2	$700,000	$350,000	$8,940	4.00%
LAREDO, TX (FHA\|USDA\|VA)	4	$700,000	$175,000	$7,145	4.06%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	7	$695,000	$99,286	$5,757	5.39%
BOISE CITY, ID (FHA\|USDA\|VA)	2	$690,000	$345,000	$0	4.13%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	3	$675,000	$225,000	$0	4.92%
Moses Lake, WA (FHA\|USDA\|VA)	2	$670,000	$335,000	$18,414	3.19%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	2	$650,000	$325,000	$3,196	4.19%
TULSA, OK (FHA\|USDA\|VA)	4	$650,000	$162,500	$8,102	3.75%
Clearlake, CA (FHA\|USDA\|VA)	2	$640,000	$320,000	$5,744	3.50%
BOULDER, CO (FHA\|USDA\|VA)	2	$620,000	$310,000	$3,099	3.81%
Eureka-Arcata, CA (FHA\|USDA\|VA)	2	$610,000	$305,000	$6,236	4.38%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	2	$590,000	$295,000	$0	5.31%
Red Bluff, CA (FHA\|USDA\|VA)	3	$585,000	$195,000	$5,065	2.99%
Ashtabula, OH (FHA\|USDA\|VA)	3	$575,000	$191,667	$5,974	3.21%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	2	$570,000	$285,000	$5,616	4.94%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	3	$565,000	$188,333	$8,646	4.50%
SPRINGFIELD, OH (FHA\|USDA\|VA)	3	$565,000	$188,333	$5,784	3.17%
TOLEDO, OH (FHA\|USDA\|VA)	4	$560,000	$140,000	$5,511	3.00%
GAINESVILLE, GA (FHA\|USDA\|VA)	4	$560,000	$140,000	$6,622	3.31%
KNOXVILLE, TN (FHA\|USDA\|VA)	3	$555,000	$185,000	$6,937	4.21%
Atmore, AL (FHA\|USDA\|VA)	4	$550,000	$137,500	$7,752	3.31%
PUEBLO, CO (FHA\|USDA\|VA)	4	$550,000	$137,500	$7,239	3.78%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	3	$535,000	$178,333	$0	4.88%
AUBURN-OPELIKA, AL (FHA\|USDA\|VA)	3	$515,000	$171,667	$6,973	4.29%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	4	$510,000	$127,500	$5,439	5.09%
THE VILLAGES, FL (FHA\|USDA\|VA)	3	$505,000	$168,333	$4,834	5.50%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	3	$495,000	$165,000	$10,812	4.50%
WILMINGTON, NC (FHA\|USDA\|VA)	3	$475,000	$158,333	$0	4.83%
Richmond-Berea, KY (FHA\|USDA\|VA)	3	$475,000	$158,333	$5,854	4.21%
MACON-BIBB COUNTY, GA (FHA\|USDA\|VA)	2	$470,000	$235,000	$7,149	2.94%
MOBILE, AL (FHA\|USDA\|VA)	3	$455,000	$151,667	$3,779	4.29%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	3	$455,000	$151,667	$0	5.17%
Roseburg, OR (FHA\|USDA\|VA)	2	$440,000	$220,000	$6,777	3.13%
Urbana, OH (FHA\|USDA\|VA)	3	$435,000	$145,000	$5,891	3.04%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	2	$430,000	$215,000	$20,168	4.00%
Payson, AZ (FHA\|USDA\|VA)	1	$425,000	$425,000	$0	4.88%
Frankfort, KY (FHA\|USDA\|VA)	3	$395,000	$131,667	$4,623	4.29%
ST. GEORGE, UT (FHA\|USDA\|VA)	2	$390,000	$195,000	$7,280	5.13%
HARRISONBURG, VA (FHA\|USDA\|VA)	1	$385,000	$385,000	$0	4.38%
Wooster, OH (FHA\|USDA\|VA)	3	$385,000	$128,333	$6,763	3.21%
Shelton, WA (FHA\|USDA\|VA)	1	$385,000	$385,000	$19,998	3.63%
YORK-HANOVER, PA (FHA\|USDA\|VA)	3	$385,000	$128,333	$7,327	4.46%
Hannibal, MO (FHA\|USDA\|VA)	1	$385,000	$385,000	$8,062	3.13%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	2	$380,000	$190,000	$8,785	3.88%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	1	$375,000	$375,000	$11,195	2.50%
ABILENE, TX (FHA\|USDA\|VA)	2	$370,000	$185,000	$17,313	5.38%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	2	$370,000	$185,000	$0	4.88%
Breckenridge, CO (FHA\|USDA\|VA)	1	$365,000	$365,000	$0	4.50%
Palatka, FL (FHA\|USDA\|VA)	3	$355,000	$118,333	$4,270	4.13%
ALBANY, GA (FHA\|USDA\|VA)	4	$350,000	$87,500	$5,127	5.25%
LOGAN, UT-ID (FHA\|USDA\|VA)	2	$350,000	$175,000	$6,990	4.88%
Marietta, OH (FHA\|USDA\|VA)	2	$340,000	$170,000	$8,779	3.13%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	2	$340,000	$170,000	$13,535	4.06%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	2	$340,000	$170,000	$0	4.81%
WARNER ROBINS, GA (FHA\|USDA\|VA)	2	$330,000	$165,000	$6,382	2.69%
REDDING, CA (FHA\|USDA\|VA)	1	$325,000	$325,000	$0	4.38%
ANN ARBOR, MI (FHA\|USDA\|VA)	1	$325,000	$325,000	$0	5.13%
Chillicothe, OH (FHA\|USDA\|VA)	2	$310,000	$155,000	$5,806	2.81%
Stephenville, TX (FHA\|USDA\|VA)	1	$305,000	$305,000	$0	4.88%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	2	$300,000	$150,000	$7,926	2.56%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	2	$300,000	$150,000	$7,268	3.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	1	$295,000	$295,000	$7,180	2.75%
Ukiah, CA (FHA\|USDA\|VA)	1	$295,000	$295,000	$0	4.38%
DECATUR, AL (FHA\|USDA\|VA)	4	$290,000	$72,500	$4,325	5.25%
Coshocton, OH (FHA\|USDA\|VA)	2	$290,000	$145,000	$7,482	3.19%
Okeechobee, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	5.38%
Big Spring, TX (FHA\|USDA\|VA)	1	$285,000	$285,000	$8,313	3.75%
CARBONDALE-MARION, IL (FHA\|USDA\|VA)	2	$280,000	$140,000	$4,732	2.63%
Sandusky, OH (FHA\|USDA\|VA)	2	$280,000	$140,000	$5,835	4.25%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	2	$270,000	$135,000	$7,656	3.13%
Danville, VA (FHA\|USDA\|VA)	1	$265,000	$265,000	$14,187	3.13%
Wilson, NC (FHA\|USDA\|VA)	2	$260,000	$130,000	$10,050	4.56%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	2	$260,000	$130,000	$7,088	3.31%
LYNCHBURG, VA (FHA\|USDA\|VA)	3	$255,000	$85,000	$2,692	5.17%
BURLINGTON, NC (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	4.75%
Lake City, FL (FHA\|USDA\|VA)	2	$250,000	$125,000	$6,000	2.88%
Bellefontaine, OH (FHA\|USDA\|VA)	2	$250,000	$125,000	$6,340	2.81%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,410	2.63%
Ottawa, IL (FHA\|USDA\|VA)	2	$240,000	$120,000	$6,494	3.75%
New Philadelphia-Dover, OH (FHA\|USDA\|VA)	2	$240,000	$120,000	$6,258	3.13%
Murray, KY (FHA\|USDA\|VA)	2	$240,000	$120,000	$3,552	2.69%
Thomasville, GA (FHA\|USDA\|VA)	1	$235,000	$235,000	$8,700	3.13%
HOUMA-THIBODAUX, LA (FHA\|USDA\|VA)	1	$225,000	$225,000	$9,211	3.63%
MONROE, LA (FHA\|USDA\|VA)	1	$225,000	$225,000	$6,770	3.13%
LUBBOCK, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$8,007	4.38%
Brownsville, TN (FHA\|USDA\|VA)	2	$220,000	$110,000	$14,693	4.94%
LANCASTER, PA (FHA\|USDA\|VA)	1	$215,000	$215,000	$11,455	3.00%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	1	$215,000	$215,000	$6,572	2.63%
Carroll, IA (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,054	2.75%
Morgan City, LA (FHA\|USDA\|VA)	3	$215,000	$71,667	$3,171	4.38%
LAWRENCE, KS (FHA\|USDA\|VA)	1	$205,000	$205,000	$6,288	3.38%
JACKSON, MS (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	4.75%
Branson, MO (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	4.13%
Craig, CO (FHA\|USDA\|VA)	1	$205,000	$205,000	$6,925	2.99%
Nacogdoches, TX (FHA\|USDA\|VA)	2	$200,000	$100,000	$4,325	5.19%
YAKIMA, WA (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	5.13%
Willmar, MN (FHA\|USDA\|VA)	2	$190,000	$95,000	$4,637	5.13%
Georgetown, SC (FHA\|USDA\|VA)	2	$190,000	$95,000	$3,291	5.38%
Defiance, OH (FHA\|USDA\|VA)	1	$185,000	$185,000	$8,490	2.75%
Jefferson, GA (FHA\|USDA\|VA)	1	$185,000	$185,000	$7,135	3.13%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$10,907	4.50%
COLUMBIA, MO (FHA\|USDA\|VA)	1	$185,000	$185,000	$7,295	2.50%
Salem, OH (FHA\|USDA\|VA)	2	$180,000	$90,000	$5,893	3.31%
Plainview, TX (FHA\|USDA\|VA)	1	$175,000	$175,000	$6,478	3.88%
Sidney, OH (FHA\|USDA\|VA)	1	$175,000	$175,000	$9,639	2.88%
Summerville, GA (FHA\|USDA\|VA)	1	$175,000	$175,000	$5,517	3.13%
Traverse City, MI (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,247	2.38%
Fort Madison-Keokuk, IA-IL-MO (FHA\|USDA\|VA)	2	$170,000	$85,000	$3,702	2.81%
BELLINGHAM, WA (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	4.75%
DOVER, DE (FHA\|USDA\|VA)	1	$165,000	$165,000	$7,107	3.38%
Sanford, NC (FHA\|USDA\|VA)	1	$165,000	$165,000	$7,220	3.00%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$165,000	$165,000	$6,623	3.63%
Palestine, TX (FHA\|USDA\|VA)	1	$165,000	$165,000	$4,264	3.50%
WHEELING, WV-OH (FHA\|USDA\|VA)	1	$155,000	$155,000	$5,137	3.25%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	1	$155,000	$155,000	$8,085	3.75%
Albertville, AL (FHA\|USDA\|VA)	1	$155,000	$155,000	$5,083	3.00%
JACKSON, TN (FHA\|USDA\|VA)	1	$155,000	$155,000	$9,148	3.13%
Dublin, GA (FHA\|USDA\|VA)	2	$150,000	$75,000	$3,863	5.19%
Pontiac, IL (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,802	2.25%
Coos Bay, OR (FHA\|USDA\|VA)	1	$145,000	$145,000	$5,346	3.00%
LAWTON, OK (FHA\|USDA\|VA)	1	$145,000	$145,000	$5,841	2.63%
SUMTER, SC (FHA\|USDA\|VA)	1	$145,000	$145,000	$1,987	3.75%
Toccoa, GA (FHA\|USDA\|VA)	1	$135,000	$135,000	$5,110	3.63%
Albemarle, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.75%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$6,320	3.63%
NILES, MI (FHA\|USDA\|VA)	1	$135,000	$135,000	$5,141	3.75%
WICHITA FALLS, TX (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,239	4.13%
Show Low, AZ (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.75%
Susanville, CA (FHA\|USDA\|VA)	2	$130,000	$65,000	$3,716	4.88%
ROME, GA (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,348	3.13%
Union City, TN (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,220	3.13%
Martin, TN (FHA\|USDA\|VA)	1	$125,000	$125,000	$5,401	3.50%
Americus, GA (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,537	4.13%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	4.50%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,461	3.75%
Wauchula, FL (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,619	2.88%
Newberry, SC (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,303	3.50%
Elizabeth City, NC (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	5.50%
ROCHESTER, NY (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	4.75%
Seneca, SC (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	5.99%
Brevard, NC (FHA\|USDA\|VA)	1	$105,000	$105,000	$6,646	2.75%
HINESVILLE, GA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	5.25%
Tiffin, OH (FHA\|USDA\|VA)	1	$95,000	$95,000	$6,055	3.38%
Mount Vernon, OH (FHA\|USDA\|VA)	1	$95,000	$95,000	$5,889	3.38%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	5.50%
Bucyrus-Galion, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$5,696	3.75%
Natchitoches, LA (FHA\|USDA\|VA)	1	$85,000	$85,000	$5,226	3.50%
Martinsville, VA (FHA\|USDA\|VA)	2	$80,000	$40,000	$6,318	5.38%
Cambridge, OH (FHA\|USDA\|VA)	1	$65,000	$65,000	$5,336	3.75%
LaGrange, GA-AL (FHA\|USDA\|VA)	1	$65,000	$65,000	$4,971	2.75%

Hometown Equity Mortgage's top markets include Los Angeles, Riverside, New York, Miami, and San Diego among others.

Their top states include:

California (FHA|USDA|VA)

Florida (FHA|USDA|VA)

New York (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Georgia (FHA|USDA|VA)

Similar Lenders

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

Monterey Credit Union
Similarity Rank: 63

First Central Credit Union
Similarity Rank: 153

Los Angeles Federal Credit Union
Similarity Rank: 170

SAFE 1 CREDIT UNION
Similarity Rank: 228

AMERICA'S CHOICE HOME LOANS LP
Similarity Rank: 264

Town & Country Bank
Similarity Rank: 328

Ozarks Federal Savings and Loan Association
Similarity Rank: 370

HENRICO Federal Credit Union
Similarity Rank: 420

ABNB Federal Credit Union
Similarity Rank: 544

Cedar Point Federal Credit Union
Similarity Rank: 546

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	5,246	$1,955,110,000	$372,686	$6,246	4.08%
FHA	1,951	$603,505,000	$309,331	$12,048	3.42%
VA	203	$90,515,000	$445,887	$10,376	2.97%
USDA	180	$33,250,000	$184,722	$5,976	3.05%

For 2021, Hometown Equity Mortgage's most frequently originated type of loan was Conventional, with 5,246 originations. Their 2nd most popular type was FHA, with 1,951 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	4,389	$1,444,745,000	$329,174	$8,757	4.03%
Cash Out Refi	1,845	$745,625,000	$404,133	$8,760	3.89%
Refi	1,346	$492,010,000	$365,535	$7,140	3.23%

For 2021, Hometown Equity Mortgage's most frequently cited loan purpose was Home Purchase, with 4,389 originations. The 2nd most popular reason was Cash Out Refi, with 1,845 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	6,738	$2,590,710,000	$384,492	$9,455	3.73%
10 Year	550	$7,770,000	$14,127	$642	5.89%
15 Year	166	$43,000,000	$259,036	$5,861	2.57%
20 Year	98	$27,370,000	$279,286	$6,000	2.96%
Other	21	$6,125,000	$291,667	$8,109	2.98%
30+ year	7	$7,405,000	$1,057,857	$20,494	4.48%

For 2021, Hometown Equity Mortgage's most frequently cited loan duration was 30 Year, with 6,738 originations. The 2nd most popular length was 10 Year, with 550 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$5k+	1,889	$817,005,000	$432,507
$<1k	1,408	$256,600,000	$182,244
$1k-2k	1,267	$472,835,000	$373,193
$2k-3k	470	$146,170,000	$311,000
$4k-5k	459	$136,555,000	$297,505
$3k-4k	429	$121,325,000	$282,809

Hometown Equity Mortgage's average total fees were $9,455, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,889 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	2,250	$843,640,000	$374,951
2.5-3%	1,978	$684,800,000	$346,208
4-5%	1,776	$741,880,000	$417,725
5-6%	1,074	$237,920,000	$221,527
<2.5%	404	$135,940,000	$336,485
6-7%	92	$35,700,000	$388,043
7-8%	6	$2,500,000	$416,667

During 2021, Hometown Equity Mortgage's average interest rate for loans was 3.73%, while their most frequently originated rate bucket for loans was 3-4%, with 2,250 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	3,178	$935,660,000	$294,418	$9,032	3.61%
$400k-600k	1,676	$812,840,000	$484,988	$10,214	3.51%
$100k-200k	1,325	$206,195,000	$155,619	$6,563	3.84%
$100,000 or less	646	$14,320,000	$22,167	$1,008	5.63%
$600k-1MM	557	$406,465,000	$729,740	$16,389	3.99%
$1MM+	198	$306,900,000	$1,550,000	$20,718	4.57%

2021 saw Hometown Equity Mortgage place emphasis on $200k-400k loans with 3,178 originations, totaling $935,660,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	1,745	$507,385,000	$290,765	$7,165	3.97%
$50k-75k	1,659	$425,185,000	$256,290	$8,141	3.59%
$100k-150k	1,132	$442,520,000	$390,919	$9,171	3.45%
$75k-100k	1,127	$376,435,000	$334,015	$8,995	3.56%
$150k-250k	472	$227,660,000	$482,331	$9,163	3.45%
$250k+	249	$190,025,000	$763,153	$10,967	3.86%

Hometown Equity Mortgage lent most frequently to those with incomes in the $50k or less range, with 1,745 originations. The second most popular income band? $50k-75k, with 1,659 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	792	$246,880,000	$311,717	$7,405	3.51%
50-60%	742	$233,640,000	$314,879	$11,460	3.61%
20-30%	604	$185,590,000	$307,268	$6,783	3.61%
44%	354	$121,580,000	$343,446	$8,583	3.49%
42%	313	$106,105,000	$338,994	$8,425	3.50%
49%	311	$118,275,000	$380,305	$9,283	3.54%
43%	300	$100,950,000	$336,500	$7,945	3.56%
47%	243	$86,125,000	$354,424	$9,691	3.49%
48%	239	$77,235,000	$323,159	$9,054	3.53%
46%	234	$78,300,000	$334,615	$9,193	3.59%
45%	233	$78,715,000	$337,833	$9,212	3.52%
<20%	226	$82,360,000	$364,425	$5,599	3.98%
41%	224	$70,340,000	$314,018	$7,884	3.56%
40%	217	$67,845,000	$312,650	$8,152	3.50%
39%	212	$73,870,000	$348,443	$7,970	3.44%
38%	205	$63,425,000	$309,390	$7,628	3.47%
37%	174	$56,310,000	$323,621	$7,287	3.54%
36%	168	$54,200,000	$322,619	$6,903	3.51%
>60%	39	$5,625,000	$144,231	$4,319	5.27%

Hometown Equity Mortgage lent most frequently to those with DTI ratios of 30-36%, with 792 originations. The next most common DTI ratio? 50-60%, with 742 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	4,437	$1,551,605,000	$349,697	$8,464	3.73%
Not provided	1,236	$504,280,000	$407,994	$8,486	3.98%
Black	1,302	$342,560,000	$263,103	$8,383	4.10%
Asian	534	$258,930,000	$484,888	$8,087	3.94%
American Indian	51	$16,865,000	$330,686	$8,179	4.12%
Native Hawaiian or Islander	15	$5,895,000	$393,000	$9,584	3.08%
Vietnamese	1	$675,000	$675,000	$0	4.13%
Asian Indian	1	$675,000	$675,000	$23,835	2.38%
Filipino	1	$545,000	$545,000	$4,706	3.13%
	2	$350,000	$175,000	$6,603	4.31%

Approval Rates

Total approvals of all applications
77.71%

Hometown Equity Mortgage has a below average approval rate.

Pick Rate

Approvals leading to origination
71.56%

Hometown Equity Mortgage has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
12240.3	1	$175,000	$175,000
13475.91	1	$165,000	$165,000
13857.5	1	$325,000	$325,000
13959.2	1	$205,000	$205,000
14982.32	1	$205,000	$205,000
152154.89	1	$2,625,000	$2,625,000
20411.7	1	$315,000	$315,000
22740.77	1	$365,000	$365,000
23351.98	1	$385,000	$385,000
24102.8	1	$365,000	$365,000
24639.44	1	$395,000	$395,000
25827.51	1	$415,000	$415,000
26085.2	1	$425,000	$425,000
27228.73	1	$445,000	$445,000
27493.12	1	$415,000	$415,000
27717.44	1	$425,000	$425,000
304455.79	1	$3,095,000	$3,095,000
32695.83	1	$565,000	$565,000
33999.65	1	$555,000	$555,000
34013.72	1	$585,000	$585,000
35262.35	1	$635,000	$635,000
36013.84	1	$595,000	$595,000
37008.12	1	$635,000	$635,000
38287.21	1	$645,000	$645,000
38971.24	1	$735,000	$735,000
39340.99	1	$625,000	$625,000
43731.53	1	$745,000	$745,000
46385.34	1	$805,000	$805,000
47892.3	1	$825,000	$825,000
4884.0	1	$375,000	$375,000
50463.59	1	$695,000	$695,000
59772.76	1	$975,000	$975,000
63818.58	1	$715,000	$715,000
74289.99	1	$1,205,000	$1,205,000
9658.76	1	$125,000	$125,000
NA	7,545	$2,659,595,000	$352,498

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	7,580	$2,682,380,000	$353,876

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	205	$55,295,000	$269,732	$6,003	3.27%
40-60%	734	$273,810,000	$373,038	$6,774	3.26%
60-80%	2,775	$1,172,275,000	$422,441	$8,274	3.99%
80-100%	3,255	$1,144,665,000	$351,664	$10,269	3.57%
Over 100%	57	$26,455,000	$464,123	$17,910	2.96%
Under 20%	551	$8,595,000	$15,599	$566	5.92%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
HomeTown Lenders, LLC	Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	1	100.0%