Hancock Mortgage Partners Rates, Fees & Info

SUGAR LAND, TX

LEI: 549300RAGLSEPN0V3D13

Tax ID: 26-4461592

3.2 stars - out of 5 stars, based on 42 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Hancock Mortgage Partners is a smaller mortgage company specializing in Home Purchase loans. Hancock Mortgage Partners 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 include Houston, Deltona, Kingsport, Duluth, and Minneapolis among others. Hancock Mortgage Partners has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Hancock Mortgage Partners is typically a high fee lendor.


Originations

1,762

Origination Dollar Volume (All Markets)

$417,560,000

Awards

HANCOCK MORTGAGE PARTNERS  VA Loans silver
Show all (1) awards

Relative Rate

Hancock Mortgage Partners 's average 30 year fixed rate mortgage of loans were 3.25%.

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

This yields a difference of 0.1%.

Relative Fees

Hancock Mortgage Partners 's average total fees for a 30 year fixed rate mortgage are $6,240.

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
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 199 $52,855,000 $265,603 $7,330 3.22%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 131 $31,615,000 $241,336 $6,040 3.24%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 135 $26,055,000 $193,000 $5,683 3.13%
DULUTH, MN-WI (FHA|USDA|VA) 131 $25,805,000 $196,985 $5,060 3.22%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 98 $25,600,000 $261,224 $4,983 3.03%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 59 $23,585,000 $399,746 $5,597 3.30%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 58 $17,740,000 $305,862 $8,460 3.14%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 90 $17,410,000 $193,444 $4,318 3.24%
PANAMA CITY, FL (FHA|USDA|VA) 64 $15,710,000 $245,469 $7,860 3.34%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 66 $15,440,000 $233,939 $7,751 3.28%
Outside of Metro Areas 75 $14,085,000 $187,800 $5,216 3.29%
JOHNSON CITY, TN (FHA|USDA|VA) 57 $12,555,000 $220,263 $6,411 3.06%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 45 $11,935,000 $265,222 $6,431 3.26%
ST. LOUIS, MO-IL (FHA|USDA|VA) 61 $11,375,000 $186,475 $4,064 3.16%
JACKSONVILLE, FL (FHA|USDA|VA) 40 $10,440,000 $261,000 $6,769 3.27%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 36 $9,410,000 $261,389 $5,807 3.16%
ROCHESTER, MN (FHA|USDA|VA) 36 $8,360,000 $232,222 $5,384 3.06%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 25 $8,315,000 $332,600 $6,790 3.32%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 27 $5,955,000 $220,556 $6,087 3.34%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 21 $5,945,000 $283,095 $8,183 3.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 17 $4,255,000 $250,294 $7,919 3.19%
WACO, TX (FHA|USDA|VA) 18 $3,380,000 $187,778 $7,011 3.15%
Greeneville, TN (FHA|USDA|VA) 14 $3,020,000 $215,714 $5,023 3.01%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 15 $2,875,000 $191,667 $5,196 3.38%
EL PASO, TX (FHA|USDA|VA) 11 $2,405,000 $218,636 $7,247 3.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $2,140,000 $267,500 $7,028 3.42%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 5 $1,905,000 $381,000 $8,395 3.35%
Sturgis, MI (FHA|USDA|VA) 10 $1,660,000 $166,000 $4,080 3.11%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $1,605,000 $321,000 $10,203 3.38%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 9 $1,445,000 $160,556 $4,891 3.28%
Red Wing, MN (FHA|USDA|VA) 5 $1,285,000 $257,000 $5,969 3.20%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 4 $1,160,000 $290,000 $4,723 3.44%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $1,160,000 $193,333 $6,131 3.33%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,130,000 $282,500 $3,369 2.94%
KNOXVILLE, TN (FHA|USDA|VA) 4 $1,030,000 $257,500 $8,151 3.13%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,010,000 $252,500 $4,461 3.28%
Seneca, SC (FHA|USDA|VA) 3 $935,000 $311,667 $6,040 3.33%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 5 $815,000 $163,000 $3,836 3.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $800,000 $200,000 $7,838 3.63%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $795,000 $265,000 $7,650 3.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $770,000 $385,000 $5,749 3.44%
Kerrville, TX (FHA|USDA|VA) 2 $760,000 $380,000 $8,177 3.38%
Farmington, MO (FHA|USDA|VA) 3 $725,000 $241,667 $6,012 3.25%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $720,000 $360,000 $6,362 2.94%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 3 $675,000 $225,000 $3,824 3.33%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $615,000 $205,000 $5,048 3.54%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $615,000 $123,000 $3,904 3.35%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $605,000 $605,000 $13,227 3.00%
Palatka, FL (FHA|USDA|VA) 3 $605,000 $201,667 $6,532 3.33%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $600,000 $300,000 $5,235 3.00%
Mount Sterling, KY (FHA|USDA|VA) 3 $585,000 $195,000 $4,322 2.92%
Hutchinson, MN (FHA|USDA|VA) 2 $570,000 $285,000 $5,428 3.44%
Huntsville, TX (FHA|USDA|VA) 2 $560,000 $280,000 $11,884 3.69%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $550,000 $275,000 $9,790 3.25%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $545,000 $545,000 $4,384 3.63%
Big Stone Gap, VA (FHA|USDA|VA) 3 $535,000 $178,333 $3,292 3.17%
Grand Rapids, MN (FHA|USDA|VA) 2 $520,000 $260,000 $7,458 3.94%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $520,000 $260,000 $11,780 3.94%
ASHEVILLE, NC (FHA|USDA|VA) 2 $500,000 $250,000 $6,898 3.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $495,000 $165,000 $4,608 3.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $495,000 $495,000 $6,075 3.75%
ROME, GA (FHA|USDA|VA) 3 $485,000 $161,667 $4,840 3.25%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $475,000 $475,000 $11,666 2.75%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $465,000 $465,000 $8,174 3.25%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $460,000 $230,000 $4,646 3.06%
Faribault-Northfield, MN (FHA|USDA|VA) 2 $460,000 $230,000 $8,682 2.94%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $460,000 $230,000 $3,842 3.50%
Menomonie, WI (FHA|USDA|VA) 2 $450,000 $225,000 $3,978 3.69%
Richmond-Berea, KY (FHA|USDA|VA) 3 $445,000 $148,333 $6,606 3.38%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $440,000 $220,000 $8,907 3.44%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $430,000 $215,000 $6,142 3.06%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $420,000 $210,000 $7,077 3.50%
GAINESVILLE, GA (FHA|USDA|VA) 2 $410,000 $205,000 $4,704 3.13%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $400,000 $200,000 $9,148 3.88%
COLUMBIA, MO (FHA|USDA|VA) 2 $390,000 $195,000 $3,466 3.13%
DOTHAN, AL (FHA|USDA|VA) 1 $385,000 $385,000 $18,531 2.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $385,000 $385,000 $3,142 3.25%
Greenwood, SC (FHA|USDA|VA) 4 $380,000 $95,000 $5,558 3.19%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $375,000 $375,000 $5,032 3.88%
Brainerd, MN (FHA|USDA|VA) 2 $370,000 $185,000 $3,576 3.69%
Crossville, TN (FHA|USDA|VA) 1 $365,000 $365,000 $7,730 3.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $365,000 $365,000 $6,701 3.50%
MORRISTOWN, TN (FHA|USDA|VA) 2 $360,000 $180,000 $9,623 3.00%
Corsicana, TX (FHA|USDA|VA) 2 $360,000 $180,000 $6,021 3.25%
THE VILLAGES, FL (FHA|USDA|VA) 2 $340,000 $170,000 $5,835 2.75%
SPARTANBURG, SC (FHA|USDA|VA) 2 $330,000 $165,000 $4,889 3.19%
STOCKTON, CA (FHA|USDA|VA) 1 $325,000 $325,000 $9,233 3.38%
OCALA, FL (FHA|USDA|VA) 2 $310,000 $155,000 $6,967 3.44%
Austin, MN (FHA|USDA|VA) 1 $275,000 $275,000 $13,145 3.25%
Athens, TX (FHA|USDA|VA) 1 $265,000 $265,000 $10,696 3.63%
WILMINGTON, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,904 3.50%
FLINT, MI (FHA|USDA|VA) 1 $245,000 $245,000 $3,916 3.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $245,000 $245,000 $3,921 2.75%
ANN ARBOR, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,397 2.38%
SAN ANGELO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $9,864 3.25%
Waycross, GA (FHA|USDA|VA) 1 $245,000 $245,000 $4,373 3.00%
Winona, MN (FHA|USDA|VA) 1 $245,000 $245,000 $4,491 3.38%
BRUNSWICK, GA (FHA|USDA|VA) 1 $235,000 $235,000 $4,866 2.88%
TUCSON, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $5,232 3.50%
Baraboo, WI (FHA|USDA|VA) 1 $225,000 $225,000 $7,304 3.50%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $225,000 $225,000 $3,571 2.88%
Cookeville, TN (FHA|USDA|VA) 1 $225,000 $225,000 $5,522 2.50%
Gainesville, TX (FHA|USDA|VA) 1 $225,000 $225,000 $7,274 3.00%
MANKATO, MN (FHA|USDA|VA) 1 $225,000 $225,000 $3,194 3.50%
Fergus Falls, MN (FHA|USDA|VA) 2 $220,000 $110,000 $5,560 3.50%
El Campo, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,019 2.88%
JACKSON, MI (FHA|USDA|VA) 1 $205,000 $205,000 $3,391 2.88%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $195,000 $195,000 $5,514 4.13%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $195,000 $195,000 $3,978 3.25%
ST. CLOUD, MN (FHA|USDA|VA) 1 $185,000 $185,000 $4,859 3.75%
HATTIESBURG, MS (FHA|USDA|VA) 1 $185,000 $185,000 $4,130 3.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,460 2.25%
MIDLAND, TX (FHA|USDA|VA) 1 $175,000 $175,000 $8,518 3.25%
Danville, KY (FHA|USDA|VA) 1 $175,000 $175,000 $7,149 3.25%
Tifton, GA (FHA|USDA|VA) 1 $175,000 $175,000 $4,750 4.13%
Holland, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,507 3.25%
Frankfort, KY (FHA|USDA|VA) 1 $165,000 $165,000 $6,268 3.38%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $1,819 3.25%
Shelby, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,996 3.25%
Pampa, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,615 3.25%
FARGO, ND-MN (FHA|USDA|VA) 2 $150,000 $75,000 $2,102 3.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $145,000 $145,000 $4,765 3.25%
Sevierville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $4,115 3.63%
Bluefield, WV-VA (FHA|USDA|VA) 1 $145,000 $145,000 $2,496 3.25%
Jesup, GA (FHA|USDA|VA) 1 $145,000 $145,000 $5,502 3.25%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $145,000 $145,000 $6,918 3.13%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $145,000 $145,000 $5,666 2.88%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,182 2.50%
DECATUR, AL (FHA|USDA|VA) 1 $125,000 $125,000 $1,850 3.25%
LUBBOCK, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,125 3.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $125,000 $125,000 $6,552 3.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $125,000 $125,000 $5,994 3.50%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $115,000 $115,000 $5,818 2.75%
GRAND FORKS, ND-MN (FHA|USDA|VA) 2 $110,000 $55,000 $1,792 1.81%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $105,000 $105,000 $6,054 3.50%
Cedartown, GA (FHA|USDA|VA) 1 $95,000 $95,000 $5,666 3.50%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $95,000 $95,000 $4,773 3.63%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $85,000 $85,000 $3,157 2.63%
Platteville, WI (FHA|USDA|VA) 1 $85,000 $85,000 $4,848 3.88%
Willmar, MN (FHA|USDA|VA) 1 $35,000 $35,000 $3,629 3.88%

Hancock Mortgage Partners 's top markets include Houston, Deltona, Kingsport, Duluth, and Minneapolis among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,213 $283,425,000 $233,656 $5,201 3.23%
FHA 295 $63,655,000 $215,780 $8,863 3.27%
VA 224 $65,340,000 $291,696 $7,187 3.10%
USDA 30 $5,140,000 $171,333 $6,189 3.07%

For the 2021 period, Hancock Mortgage Partners 's most frequently originated loan type of loans were Conventional, with 1,213 originations. Their 2nd most popular type is FHA, with 295 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,158 $282,450,000 $243,912 $6,627 3.23%
Refi 328 $73,600,000 $224,390 $4,697 3.04%
Cash Out Refi 276 $61,510,000 $222,862 $5,451 3.34%

For the 2021, Hancock Mortgage Partners 's most frequently cited loan purpose of loans were Home Purchase, with 1,158 originations. The 2nd most popular reason of loans were Refi, with 328 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,600 $386,280,000 $241,425 $6,240 3.25%
15 Year 76 $14,580,000 $191,842 $4,828 2.75%
Other 38 $7,870,000 $207,105 $4,863 3.09%
20 Year 30 $6,520,000 $217,333 $4,457 3.03%
10 Year 18 $2,310,000 $128,333 $2,711 2.78%

For the 2021, Hancock Mortgage Partners 's most frequently cited loan length of loans were 30 Year, with 1,600 originations. The 2nd most popular length of loans were 15 Year, with 76 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 639 $140,675,000 $220,149
$2k-3k 488 $114,410,000 $234,447
$3k-4k 268 $67,220,000 $250,821
$<1k 215 $46,635,000 $216,907
$5k+ 152 $48,620,000 $319,868

$6,240 of loans were Hancock Mortgage Partners 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 639 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 1,120 $264,980,000 $236,589
2.5-3% 476 $115,000,000 $241,597
<2.5% 99 $24,015,000 $242,576
4-5% 67 $13,565,000 $202,463

During 2021, Hancock Mortgage Partners 's average interest rate of loans were 3.25%, while their most frequently originated rate bucket of loans were 3-4%, with 1,120 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 879 $243,275,000 $276,763 $6,856 3.23%
$100k-200k 620 $95,540,000 $154,097 $5,089 3.25%
$400k-600k 132 $62,880,000 $476,364 $7,777 3.15%
$100,000 or less 120 $8,260,000 $68,833 $3,437 2.96%
$600k-1MM 11 $7,605,000 $691,364 $9,012 3.32%

2021 saw Hancock Mortgage Partners place emphasis on $200k-400k loans with 879 originations, totaling $243,275,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 482 $100,610,000 $208,734 $6,283 3.17%
$100k-150k 363 $99,565,000 $274,284 $6,398 3.27%
$75k-100k 352 $86,590,000 $245,994 $6,377 3.29%
$50k or less 286 $42,460,000 $148,462 $5,252 3.17%
$150k-250k 160 $52,700,000 $329,375 $5,973 3.23%
$250k+ 75 $24,235,000 $323,133 $6,659 3.30%

Hancock Mortgage Partners lent most frequently to those with incomes in the $50k-75k range, with 482 originations. The second most popular income band? $100k-150k, with 363 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1 $215,000 $215,000 $7,736 3.25%
40% 1 $165,000 $165,000 $7,481 3.13%
43% 1 $245,000 $245,000 $5,802 3.38%
49% 1 $525,000 $525,000 $5,326 3.00%
50-60% 1 $245,000 $245,000 $8,311 3.25%

Hancock Mortgage Partners lent most frequently to those with DTI ratios of 20-30%, with 1 originations. The next most common DTI ratio? 40%, with 1 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,379 $316,335,000 $229,394 $5,889 3.20%
Not provided 228 $58,440,000 $256,316 $6,397 3.24%
Black 101 $28,415,000 $281,337 $7,831 3.31%
Asian 42 $11,780,000 $280,476 $6,547 3.18%
American Indian 8 $1,840,000 $230,000 $6,010 3.31%
Native Hawaiian 2 $410,000 $205,000 $7,718 3.06%
Other Asian 2 $340,000 $170,000 $5,528 3.63%

Approval Rates

Total approvals of all applications
98.47%

Hancock Mortgage Partners 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
65.59%

Hancock Mortgage Partners has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 1,762 $417,560,000 $236,981

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,762 $417,560,000 $236,981

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
80-100% 5 $1,395,000 $279,000 $6,931 3.20%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
HANCOCK WHITNEY BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 42.9%
HANCOCK WHITNEY BANK Conventional home mortgage Closing on a mortgage 1 14.3%
HANCOCK WHITNEY BANK Conventional home mortgage Trouble during payment process 1 14.3%
HANCOCK WHITNEY BANK Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 14.3%
HANCOCK WHITNEY BANK Other type of mortgage Trouble during payment process 1 14.3%