Xceed Financial Mortgage Rates, Fees & Info
El Segundo, CALEI: 549300RMFYMDOOF4BO45
Tax ID: 95-6100078
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Mortgage Data
Review & Overview
Xceed Financial is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Xceed Financial has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Rochester, San Jose, Riverside, and Denver among others. We have data for 60 markets. (Some data included below & more in-depth data is available with an active subscription.)Xceed Financial 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. Xceed Financial 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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Originations
298Origination Dollar Volume (All Markets)
$78,620,000Awards
XCEED FINANCIAL - 2018
XCEED FINANCIAL is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 57 | $20,725,000 | $363,596 | $2,944 | 5.21% |
| ROCHESTER, NY (FHA|USDA|VA) | 90 | $12,550,000 | $139,444 | $2,025 | 5.03% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 8 | $4,990,000 | $623,750 | $2,992 | 4.86% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 14 | $4,370,000 | $312,143 | $3,628 | 4.96% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $3,190,000 | $797,500 | $5,257 | 4.53% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 6 | $3,030,000 | $505,000 | $2,662 | 4.73% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 18 | $2,800,000 | $155,556 | $1,485 | 4.23% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $2,505,000 | $835,000 | $2,550 | 4.78% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $2,505,000 | $2,505,000 | $0 | 5.13% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 11 | $1,855,000 | $168,636 | $2,517 | 4.98% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $1,555,000 | $1,555,000 | $0 | 5.13% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $1,555,000 | $222,143 | $4,127 | 5.09% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $1,773 | 5.68% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $14,400 | 4.50% |
| Outside of Metro Areas | 4 | $1,020,000 | $255,000 | $3,061 | 4.47% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 4.75% |
| RENO, NV (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $0 | 4.99% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $2,266 | 4.28% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $1,779 | 5.04% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $2,870 | 5.22% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,949 | 4.54% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $3,954 | 4.53% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,826 | 5.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $2,821 | 5.17% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,090 | 3.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $1,656 | 5.46% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $1,509 | 5.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,927 | 4.13% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,555 | 5.25% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,683 | 4.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,328 | 4.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,886 | 4.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,917 | 4.50% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,625 | 4.50% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,991 | 5.25% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,446 | 5.13% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,542 | 3.63% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,326 | 5.13% |
| MERCED, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,320 | 4.75% |
| SALEM, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,846 | 5.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,753 | 4.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,885 | 4.94% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,569 | 4.25% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,578 | 4.63% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,293 | 4.13% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,843 | 4.00% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,393 | 4.13% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,477 | 3.88% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,728 | 4.50% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,751 | 5.50% |
| Malone, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,881 | 4.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,821 | 3.75% |
| Corning, NY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,918 | 4.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,417 | 4.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,413 | 5.00% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $250 | 7.13% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,013 | 5.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $250 | 6.13% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $250 | 6.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $250 | 5.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against XCEED FINANCIAL 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 | 298 | $78,620,000 | $263,826 | $2,611 | 4.94% |
For 2018, Xceed Financial's most frequently originated type of loan was Conventional, with 298 originations.
Loan Reason
For 2018, Xceed Financial's most frequently cited loan purpose was Home Purchase, with 115 originations. The 2nd most popular reason was Cash Out Refi, with 81 originations.
Loan Duration/Length
For 2018, Xceed Financial's most frequently cited loan duration was 30 Year, with 143 originations. The 2nd most popular length was 15 Year, with 98 originations.
Origination Fees/Closing Costs
Xceed Financial's average total fees were $4,021, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 194 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 154 | $48,850,000 | $317,208 |
| 5-6% | 63 | $12,665,000 | $201,032 |
| 3-4% | 42 | $14,120,000 | $336,190 |
| 6-7% | 36 | $2,870,000 | $79,722 |
| 7-8% | 3 | $115,000 | $38,333 |
During 2018, Xceed Financial's average interest rate for loans was 4.63%, while their most frequently originated rate bucket for loans was 4-5%, with 154 originations.
Loan Sizing
2018 saw Xceed Financial place emphasis on $100,000 or less loans with 96 originations, totaling $5,090,000 in origination value.
Applicant Income
Xceed Financial lent most frequently to those with incomes in the $100k-150k range, with 67 originations. The second most popular income band? $50k-75k, with 55 originations.
Applicant Debt to Income Ratio
Xceed Financial lent most frequently to those with DTI ratios of 20-30%, with 41 originations. The next most common DTI ratio? 30-36%, with 34 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.76%
Xceed Financial has an average approval rate.
Pick Rate
Approvals leading to origination56.71%
Xceed Financial 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 | 298 | $78,620,000 | $263,826 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 13 | $17,385,000 | $1,337,308 |
| Single Family (1-4 Units):Site-Built | 285 | $61,235,000 | $214,860 |