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 a low 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.06% | 4/19/25 |
| 30 Year Conventional Refi | 6.68% | 4/19/25 |
| 30 Year Cash-out Refi | 7.14% | 4/19/25 |
| 30 Year FHA Purchase | 6.72% | 4/19/25 |
| 30 Year VA Refi | 5.70% | 4/19/25 |
| 15 Year Conventional Refi | 5.66% | 4/19/25 |
| 15 Year Cash-out Refi | 5.66% | 4/19/25 |
| 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. | ||
Fisher Financial Group Incorporated Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
29Origination Dollar Volume (All Markets)
$13,975,000Top 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 |