Fisher Financial Group Incorporated Mortgage Rates, Fees & Info
GILBERT, AZLEI: 549300REPZK0JXAZ6D94
Tax ID: 86-0766296
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Fisher Financial Group Incorporated is a smaller mortgage company specializing in Refi and Cash Out Refi 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, Los Angeles, San Francisco, Riverside, and Sacramento among others. We have data for 33 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.
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.
Originations
505Origination Dollar Volume (All Markets)
$164,465,000Top 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) | 204 | $56,950,000 | $279,167 | $4,426 | 4.23% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 69 | $26,785,000 | $388,188 | $2,848 | 3.99% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 28 | $11,970,000 | $427,500 | $2,915 | 3.79% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 37 | $11,955,000 | $323,108 | $0 | 3.89% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 35 | $11,685,000 | $333,857 | $2,415 | 3.91% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 24 | $9,490,000 | $395,417 | $2,383 | 4.02% |
| VALLEJO, CA (FHA|USDA|VA) | 10 | $3,730,000 | $373,000 | $0 | 3.99% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 10 | $3,480,000 | $348,000 | $2,255 | 3.86% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $3,070,000 | $307,000 | $2,141 | 4.15% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 7 | $2,815,000 | $402,143 | $0 | 4.18% |
| TUCSON, AZ (FHA|USDA|VA) | 12 | $2,610,000 | $217,500 | $4,944 | 4.08% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $2,245,000 | $449,000 | $3,015 | 4.10% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $0 | 3.85% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $0 | 3.85% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $0 | 4.08% |
| Outside of Metro Areas | 5 | $1,595,000 | $319,000 | $0 | 4.20% |
| REDDING, CA (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $5,025 | 3.91% |
| NAPA, CA (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $0 | 3.79% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $0 | 3.41% |
| CHICO, CA (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $0 | 4.17% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $0 | 3.81% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,315 | 4.06% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $0 | 4.00% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 4.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 3.81% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 3.31% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 3.25% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 4.38% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 3.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 3.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.00% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.75% |
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.
Similarity Rank: 147
Similarity Rank: 220
Similarity Rank: 290
Similarity Rank: 290
Similarity Rank: 318
Similarity Rank: 368
Similarity Rank: 464
Similarity Rank: 546
Similarity Rank: 756
Similarity Rank: 817
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 478 | $155,400,000 | $325,105 | $3,229 | 4.07% |
| VA | 15 | $5,825,000 | $388,333 | $8,587 | 3.99% |
| FHA | 12 | $3,240,000 | $270,000 | $6,742 | 3.79% |
For 2019, Fisher Financial Group Incorporated's most frequently originated type of loan was Conventional, with 478 originations. Their 2nd most popular type was VA, with 15 originations.
Loan Reason
For 2019, Fisher Financial Group Incorporated's most frequently cited loan purpose was Refi, with 273 originations. The 2nd most popular reason was Cash Out Refi, with 169 originations.
Loan Duration/Length
For 2019, Fisher Financial Group Incorporated's most frequently cited loan duration was 30 Year, with 437 originations. The 2nd most popular length was 15 Year, with 35 originations.
Origination Fees/Closing Costs
Fisher Financial Group Incorporated's average total fees were $3,642, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 147 originations.
Interest Rates
During 2019, Fisher Financial Group Incorporated's average interest rate for loans was 4.10%, while their most frequently originated rate bucket for loans was 3-4%, with 317 originations.
Loan Sizing
2019 saw Fisher Financial Group Incorporated place emphasis on $200k-400k loans with 313 originations, totaling $93,335,000 in origination value.
Applicant Income
Fisher Financial Group Incorporated lent most frequently to those with incomes in the $100k-150k range, with 148 originations. The second most popular income band? $150k-250k, with 101 originations.
Applicant Debt to Income Ratio
Fisher Financial Group Incorporated lent most frequently to those with DTI ratios of 20-30%, with 100 originations. The next most common DTI ratio? 30-36%, with 87 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.38%
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 origination8.71%
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 |
|---|---|---|---|
| 0.0 | 3 | $945,000 | $315,000 |
| 1055.95 | 1 | $435,000 | $435,000 |
| 1445.0 | 1 | $215,000 | $215,000 |
| 1790.0 | 2 | $550,000 | $275,000 |
| 1890.0 | 1 | $365,000 | $365,000 |
| 1967.5 | 1 | $325,000 | $325,000 |
| 1990.0 | 2 | $790,000 | $395,000 |
| 2095.0 | 2 | $610,000 | $305,000 |
| 2390.0 | 1 | $205,000 | $205,000 |
| 2495.0 | 2 | $1,150,000 | $575,000 |
| 2768.96 | 1 | $185,000 | $185,000 |
| 2945.0 | 1 | $315,000 | $315,000 |
| 3090.0 | 1 | $115,000 | $115,000 |
| 3831.7 | 1 | $275,000 | $275,000 |
| 3958.0 | 1 | $405,000 | $405,000 |
| 4324.35 | 1 | $255,000 | $255,000 |
| 4897.11 | 1 | $385,000 | $385,000 |
| 495.0 | 7 | $2,055,000 | $293,571 |
| 600.0 | 6 | $2,640,000 | $440,000 |
| 745.0 | 1 | $475,000 | $475,000 |
| 795.0 | 3 | $1,205,000 | $401,667 |
| 966.0 | 1 | $345,000 | $345,000 |
| 990.0 | 1 | $275,000 | $275,000 |
| NA | 463 | $149,945,000 | $323,855 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 505 | $164,465,000 | $325,673 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Fay Servicing, LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 1.7% |
| Fay Servicing, LLC | Conventional home mortgage | Closing on a mortgage | 7 | 2.9% |
| Fay Servicing, LLC | Conventional home mortgage | Incorrect information on your report | 1 | 0.4% |
| Fay Servicing, LLC | Conventional home mortgage | Struggling to pay mortgage | 121 | 50.8% |
| Fay Servicing, LLC | Conventional home mortgage | Trouble during payment process | 69 | 29.0% |
| Fay Servicing, LLC | FHA mortgage | Struggling to pay mortgage | 8 | 3.4% |
| Fay Servicing, LLC | FHA mortgage | Trouble during payment process | 5 | 2.1% |
| Fay Servicing, LLC | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 0.4% |
| Fay Servicing, LLC | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 3 | 1.3% |
| Fay Servicing, LLC | Home equity loan or line of credit (HELOC) | Trouble during payment process | 2 | 0.8% |
| Fay Servicing, LLC | Other type of mortgage | Struggling to pay mortgage | 9 | 3.8% |
| Fay Servicing, LLC | Other type of mortgage | Trouble during payment process | 8 | 3.4% |