Fisher Financial Group Incorporated Mortgage Rates, Fees & Info
GILBERT, AZLEI: 549300REPZK0JXAZ6D94
Tax ID: 86-0766296
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Mortgage Data
Review & Overview
Fisher Financial Group Incorporated is a smaller mortgage company specializing in Home Purchase loans. Fisher Financial Group Incorporated has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Phoenix, San Francisco, Los Angeles, Flagstaff, and Prescott Valley among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Fisher Financial Group Incorporated has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Fisher Financial Group Incorporated is typically an average 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.
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Originations
29Origination Dollar Volume (All Markets)
$13,975,000Relative Rate
Fisher Financial Group Incorporated's average 30 year fixed mortgage rate was
6.67%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.19%.
Relative Fees (Closing Costs)
Fisher Financial Group Incorporated's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,283.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 17 | $9,115,000 | $536,176 | $7,556 | 6.53% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $7,112 | 6.69% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $10,345 | 7.25% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $6,223 | 7.06% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,355 | 6.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,964 | 7.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,740 | 7.13% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,485 | 7.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,638 | 5.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,205 | 6.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against FISHER FINANCIAL GROUP INCORPORATED based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 27 | $13,095,000 | $485,000 | $6,888 | 6.73% |
| FHA | 1 | $525,000 | $525,000 | $12,470 | 6.25% |
| VA | 1 | $355,000 | $355,000 | $12,747 | 5.50% |
For 2023, Fisher Financial Group Incorporated's most frequently originated type of loan was Conventional, with 27 originations. Their 2nd most popular type was FHA, with 1 originations.
Loan Reason
For 2023, Fisher Financial Group Incorporated's most frequently cited loan purpose was Home Purchase, with 20 originations. The 2nd most popular reason was Cash Out Refi, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 29 | $13,975,000 | $481,897 | $7,283 | 6.67% |
For 2023, Fisher Financial Group Incorporated's most frequently cited loan duration was 30 Year, with 29 originations.
Origination Fees/Closing Costs
Fisher Financial Group Incorporated's average total fees were $7,283, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 10 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 18 | $7,780,000 | $432,222 |
| 7-8% | 7 | $4,745,000 | $677,857 |
| 5-6% | 4 | $1,450,000 | $362,500 |
During 2023, Fisher Financial Group Incorporated's average interest rate for loans was 6.67%, while their most frequently originated rate bucket for loans was 6-7%, with 18 originations.
Loan Sizing
2023 saw Fisher Financial Group Incorporated place emphasis on $200k-400k loans with 12 originations, totaling $3,970,000 in origination value.
Applicant Income
Fisher Financial Group Incorporated lent most frequently to those with incomes in the $100k-150k range, with 8 originations. The second most popular income band? $150k-250k, with 8 originations.
Applicant Debt to Income Ratio
Fisher Financial Group Incorporated lent most frequently to those with DTI ratios of 20-30%, with 9 originations. The next most common DTI ratio? 30-36%, with 6 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Fisher Financial Group Incorporated has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination51.72%
Fisher Financial Group Incorporated 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 | 29 | $13,975,000 | $481,897 |