Homeside Financial Mortgage Rates, Fees & Info

LUTHERVILLE TIMONIUM, MD

LEI: 549300RN01LBYR8ZVX74

Tax ID: 46-3689142

2020 Data | 2019 Data | 2018 Data


Overview

Homeside Financial is a mid-sized mortgage company specializing in Refi and Home Purchase loans. Homeside Financial 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 Washington, Chicago, Columbus, Raleigh, and Dallas among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Homeside Financial is typically an average fee lendor.


Originations

20,021

Origination Dollar Volume (All Markets)

$5,120,115,000

Relative Rate

Homeside Financial 's average 30 year fixed rate mortgage was 3.23%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.13%.

Relative Fees

Homeside Financial 's average total fees for a 30 year fixed rate mortgage are $5,266.

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 $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 16,237 $4,070,945,000 $250,720 $4,311 3.30%
FHA 2,381 $595,175,000 $249,969 $9,035 3.26%
VA 1,229 $422,455,000 $343,739 $6,269 2.92%
USDA 174 $31,540,000 $181,264 $5,618 3.16%

For the 2020 period, Homeside Financial 's most frequently originated loan type was Conventional, with 16,237 originations. Their 2nd most popular type is FHA, with 2,381 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 9,816 $2,541,140,000 $258,877 $4,249 3.18%
Home Purchase 7,205 $1,916,545,000 $266,002 $6,121 3.21%
Cash Out Refi 3,000 $662,430,000 $220,810 $4,951 3.68%

For the 2020, Homeside Financial 's most frequently cited loan purpose was Refi, with 9,816 originations. The 2nd most popular reason was Home Purchase, with 7,205 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 15,919 $4,316,505,000 $271,154 $5,266 3.23%
15 Year 1,801 $387,685,000 $215,261 $3,643 2.77%
20 Year 1,683 $270,245,000 $160,573 $3,735 3.98%
Other 351 $83,205,000 $237,051 $3,918 3.38%
30+ year 149 $44,645,000 $299,631 $8,745 5.43%
10 Year 114 $17,590,000 $154,298 $3,307 2.72%
1 Year 3 $235,000 $78,333 $2,152 7.00%
5 Year 1 $5,000 $5,000 $0 0.00%

For the 2020, Homeside Financial 's most frequently cited loan length was 30 Year, with 15,919 originations. The 2nd most popular length was 15 Year, with 1,801 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 9,167 $2,396,535,000 $261,431
$3k-4k 3,038 $789,260,000 $259,796
$<1k 2,934 $756,910,000 $257,979
$2k-3k 2,167 $489,515,000 $225,895
$5k+ 1,710 $594,670,000 $347,760

$5,266 was Homeside Financial 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 9,167 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 1,975 $720,655,000 $364,889 $6,540 3.11%
CHICAGO-NAPERVILLE-EVANSTON, IL 2,071 $518,685,000 $250,451 $3,258 3.28%
Outside of Metro Areas 1,038 $210,640,000 $202,929 $4,985 3.50%
COLUMBUS, OH 938 $209,570,000 $223,422 $4,114 3.17%
RALEIGH-CARY, NC 629 $181,265,000 $288,180 $3,893 3.11%
DALLAS-PLANO-IRVING, TX 540 $167,130,000 $309,500 $8,951 3.15%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 355 $126,165,000 $355,394 $6,003 3.26%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 572 $124,200,000 $217,133 $3,891 3.19%
BALTIMORE-COLUMBIA-TOWSON, MD 432 $118,680,000 $274,722 $6,225 3.22%
SPOKANE-SPOKANE VALLEY, WA 435 $118,455,000 $272,310 $5,202 2.99%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 413 $101,525,000 $245,823 $4,679 3.37%
ELGIN, IL 439 $100,795,000 $229,601 $3,502 3.28%
GREENVILLE-ANDERSON, SC 442 $97,540,000 $220,679 $6,055 3.25%
YAKIMA, WA 358 $86,160,000 $240,670 $5,000 2.96%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 362 $82,180,000 $227,017 $5,832 3.71%
DURHAM-CHAPEL HILL, NC 274 $69,570,000 $253,905 $4,208 3.20%
SALISBURY, MD-DE 265 $65,975,000 $248,962 $4,928 3.17%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 232 $56,540,000 $243,707 $3,242 3.34%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 177 $51,955,000 $293,531 $8,204 3.13%
DES MOINES-WEST DES MOINES, IA 239 $50,175,000 $209,937 $3,516 3.18%
WILMINGTON, NC 194 $48,600,000 $250,515 $4,444 3.21%
PHOENIX-MESA-CHANDLER, AZ 198 $47,630,000 $240,556 $5,268 3.56%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 220 $47,570,000 $216,227 $4,321 3.24%
WINSTON-SALEM, NC 248 $46,260,000 $186,532 $4,598 3.11%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 158 $43,780,000 $277,089 $4,662 3.05%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 133 $42,685,000 $320,940 $6,501 3.43%
LOS ANGELES-LONG BEACH-GLENDALE, CA 103 $42,525,000 $412,864 $5,204 2.97%
DENVER-AURORA-LAKEWOOD, CO 129 $39,165,000 $303,605 $6,750 3.66%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 156 $39,150,000 $250,962 $5,386 3.32%
CINCINNATI, OH-KY-IN 190 $38,570,000 $203,000 $4,499 3.26%
ORLANDO-KISSIMMEE-SANFORD, FL 149 $34,975,000 $234,732 $4,734 3.29%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 126 $33,370,000 $264,841 $5,013 3.31%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 98 $31,110,000 $317,449 $4,370 2.87%
NEW BRUNSWICK-LAKEWOOD, NJ 105 $27,955,000 $266,238 $5,364 3.31%
JACKSONVILLE, FL 107 $27,005,000 $252,383 $4,590 3.17%
GREENSBORO-HIGH POINT, NC 154 $26,800,000 $174,026 $4,815 2.99%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 102 $26,650,000 $261,275 $5,042 3.42%
CLEVELAND-ELYRIA, OH 134 $26,460,000 $197,463 $4,574 3.32%
RICHMOND, VA 99 $25,775,000 $260,354 $4,355 3.08%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 71 $25,145,000 $354,155 $5,375 2.77%
SEATTLE-BELLEVUE-KENT, WA 71 $24,965,000 $351,620 $5,167 2.98%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 112 $24,630,000 $219,911 $5,981 3.81%
HICKORY-LENOIR-MORGANTON, NC 116 $24,160,000 $208,276 $3,695 3.48%
NEWARK, NJ-PA 81 $23,665,000 $292,160 $6,738 3.31%
GARY, IN 101 $23,135,000 $229,059 $3,290 3.58%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 92 $22,880,000 $248,696 $5,916 3.61%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 89 $22,515,000 $252,978 $4,870 3.05%
OAKLAND-BERKELEY-LIVERMORE, CA 56 $21,680,000 $387,143 $4,232 2.98%
SPARTANBURG, SC 103 $20,655,000 $200,534 $5,872 3.31%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 68 $18,650,000 $274,265 $7,275 3.74%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 53 $17,975,000 $339,151 $7,939 3.67%
ANAHEIM-SANTA ANA-IRVINE, CA 46 $17,860,000 $388,261 $4,265 2.88%
FAYETTEVILLE, NC 69 $16,755,000 $242,826 $5,878 3.53%
NORTH PORT-SARASOTA-BRADENTON, FL 60 $15,640,000 $260,667 $4,115 3.01%
MIAMI-MIAMI BEACH-KENDALL, FL 57 $15,305,000 $268,509 $5,663 3.23%
PROVO-OREM, UT 50 $15,120,000 $302,400 $7,128 2.92%
PITTSBURGH, PA 70 $15,040,000 $214,857 $6,354 3.64%
LEBANON, PA 98 $14,940,000 $152,449 $4,928 2.91%
AKRON, OH 83 $14,935,000 $179,940 $4,051 3.30%
ST. LOUIS, MO-IL 74 $14,730,000 $199,054 $4,482 3.60%
STATE COLLEGE, PA 59 $14,485,000 $245,508 $6,899 3.10%
KANSAS CITY, MO-KS 61 $14,315,000 $234,672 $4,849 3.33%
BAKERSFIELD, CA 55 $13,845,000 $251,727 $5,252 2.88%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 39 $13,075,000 $335,256 $6,389 3.34%
CAMDEN, NJ 57 $12,665,000 $222,193 $5,223 3.43%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 46 $11,830,000 $257,174 $6,253 3.10%
CHARLESTON-NORTH CHARLESTON, SC 44 $11,830,000 $268,864 $5,689 3.63%
COLUMBIA, SC 57 $11,685,000 $205,000 $5,291 3.32%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 57 $11,435,000 $200,614 $6,093 3.32%
ASHEVILLE, NC 48 $11,060,000 $230,417 $4,395 3.43%
CANTON-MASSILLON, OH 63 $10,975,000 $174,206 $4,007 3.45%
WINCHESTER, VA-WV 40 $10,840,000 $271,000 $5,720 3.33%
WARREN-TROY-FARMINGTON HILLS, MI 54 $10,770,000 $199,444 $5,353 3.62%
INDIANAPOLIS-CARMEL-ANDERSON, IN 59 $10,555,000 $178,898 $4,783 4.10%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 48 $10,390,000 $216,458 $4,304 3.30%
CAPE CORAL-FORT MYERS, FL 45 $10,195,000 $226,556 $4,589 3.15%
COEUR D'ALENE, ID 24 $10,160,000 $423,333 $6,644 2.72%
PALM BAY-MELBOURNE-TITUSVILLE, FL 45 $9,975,000 $221,667 $4,116 3.32%
MILWAUKEE-WAUKESHA, WI 43 $9,775,000 $227,326 $4,866 3.58%
STOCKTON, CA 31 $9,465,000 $305,323 $3,771 2.68%
FRESNO, CA 37 $9,175,000 $247,973 $4,461 2.74%
PHILADELPHIA, PA 45 $8,865,000 $197,000 $6,005 3.52%
NAPLES-MARCO ISLAND, FL 31 $8,595,000 $277,258 $4,136 3.19%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 45 $8,305,000 $184,556 $5,079 3.39%
BOSTON, MA 23 $8,125,000 $353,261 $6,148 3.06%
OKLAHOMA CITY, OK 41 $7,945,000 $193,780 $6,732 3.67%
DAYTON-KETTERING, OH 40 $7,230,000 $180,750 $4,078 3.22%
BURLINGTON, NC 34 $7,110,000 $209,118 $4,148 3.31%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 25 $7,055,000 $282,200 $5,458 3.34%
DOVER, DE 29 $7,055,000 $243,276 $7,659 3.40%
HILTON HEAD ISLAND-BLUFFTON, SC 25 $6,935,000 $277,400 $5,103 3.62%
PORT ST. LUCIE, FL 31 $6,845,000 $220,806 $5,163 3.56%
TACOMA-LAKEWOOD, WA 26 $6,820,000 $262,308 $5,367 3.00%
SALT LAKE CITY, UT 21 $6,765,000 $322,143 $7,345 3.40%
COLORADO SPRINGS, CO 28 $6,760,000 $241,429 $5,601 3.33%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 13 $6,615,000 $508,846 $9,966 3.02%
JACKSONVILLE, NC 27 $6,365,000 $235,741 $6,288 3.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 34 $6,310,000 $185,588 $5,693 3.75%
TOLEDO, OH 35 $6,295,000 $179,857 $4,283 3.42%
WORCESTER, MA-CT 27 $6,255,000 $231,667 $6,324 3.25%
BRIDGEPORT-STAMFORD-NORWALK, CT 21 $6,205,000 $295,476 $7,792 3.15%
WILMINGTON, DE-MD-NJ 29 $6,195,000 $213,621 $6,900 3.49%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 13 $6,155,000 $473,462 $6,724 3.23%
KNOXVILLE, TN 34 $6,060,000 $178,235 $4,612 3.68%
PENSACOLA-FERRY PASS-BRENT, FL 24 $5,600,000 $233,333 $4,705 3.10%
BIRMINGHAM-HOOVER, AL 29 $5,535,000 $190,862 $5,738 3.72%
TUCSON, AZ 28 $5,500,000 $196,429 $5,721 3.71%
GREELEY, CO 20 $5,500,000 $275,000 $7,492 3.59%
LAKELAND-WINTER HAVEN, FL 28 $5,380,000 $192,143 $4,909 3.48%
NEW HAVEN-MILFORD, CT 22 $5,260,000 $239,091 $6,202 3.14%
CALIFORNIA-LEXINGTON PARK, MD 16 $5,210,000 $325,625 $7,264 2.89%
HARRISBURG-CARLISLE, PA 25 $5,065,000 $202,600 $6,350 3.44%
HUNTSVILLE, AL 26 $4,990,000 $191,923 $7,036 4.00%
LANCASTER, PA 23 $4,985,000 $216,739 $5,098 3.42%
PUNTA GORDA, FL 26 $4,930,000 $189,615 $4,981 3.57%
OXNARD-THOUSAND OAKS-VENTURA, CA 10 $4,800,000 $480,000 $5,576 2.79%
MEMPHIS, TN-MS-AR 26 $4,780,000 $183,846 $5,979 3.96%
HAGERSTOWN-MARTINSBURG, MD-WV 21 $4,535,000 $215,952 $5,185 3.32%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 33 $4,365,000 $132,273 $4,428 3.12%
BATON ROUGE, LA 24 $4,290,000 $178,750 $6,044 4.06%
OCALA, FL 22 $4,130,000 $187,727 $4,830 3.58%
SAVANNAH, GA 22 $4,070,000 $185,000 $5,643 3.51%
LYNCHBURG, VA 20 $4,040,000 $202,000 $5,379 3.37%
NEW ORLEANS-METAIRIE, LA 15 $3,995,000 $266,333 $6,020 3.93%
TRENTON-PRINCETON, NJ 19 $3,995,000 $210,263 $5,185 3.65%
AUGUSTA-RICHMOND COUNTY, GA-SC 19 $3,985,000 $209,737 $6,274 3.21%
VALLEJO, CA 12 $3,980,000 $331,667 $4,075 2.66%
GRAND RAPIDS-KENTWOOD, MI 19 $3,965,000 $208,684 $6,466 4.05%
SANTA ROSA-PETALUMA, CA 10 $3,920,000 $392,000 $5,139 2.68%
EAST STROUDSBURG, PA 21 $3,905,000 $185,952 $5,423 3.38%
SAN LUIS OBISPO-PASO ROBLES, CA 11 $3,895,000 $354,091 $4,276 2.57%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 11 $3,855,000 $350,455 $5,463 2.98%
MADISON, WI 15 $3,835,000 $255,667 $5,535 3.50%
MODESTO, CA 14 $3,780,000 $270,000 $4,214 3.01%
DETROIT-DEARBORN-LIVONIA, MI 22 $3,710,000 $168,636 $4,269 3.53%
SANTA MARIA-SANTA BARBARA, CA 13 $3,705,000 $285,000 $4,671 2.77%
SAN ANTONIO-NEW BRAUNFELS, TX 15 $3,635,000 $242,333 $5,533 3.13%
KENNEWICK-RICHLAND, WA 15 $3,535,000 $235,667 $4,648 2.71%
OLYMPIA-LACEY-TUMWATER, WA 13 $3,505,000 $269,615 $4,325 2.63%
ROANOKE, VA 16 $3,500,000 $218,750 $4,035 3.17%
AMES, IA 19 $3,495,000 $183,947 $3,722 3.20%
READING, PA 17 $3,475,000 $204,412 $6,327 3.07%
ATHENS-CLARKE COUNTY, GA 19 $3,425,000 $180,263 $4,729 3.46%
VISALIA, CA 14 $3,420,000 $244,286 $4,676 3.29%
ROCKFORD, IL 22 $3,360,000 $152,727 $2,635 3.52%
LEXINGTON-FAYETTE, KY 14 $3,270,000 $233,571 $4,852 3.20%
NORWICH-NEW LONDON, CT 18 $3,140,000 $174,444 $6,101 3.76%
CHARLOTTESVILLE, VA 12 $3,140,000 $261,667 $5,607 3.23%
SPRINGFIELD, MA 14 $3,120,000 $222,857 $5,743 3.13%
CHICO, CA 12 $3,050,000 $254,167 $5,227 3.08%
CHATTANOOGA, TN-GA 19 $2,885,000 $151,842 $4,986 3.80%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 10 $2,870,000 $287,000 $5,911 2.61%
YORK-HANOVER, PA 15 $2,835,000 $189,000 $6,782 3.51%
SALINAS, CA 9 $2,815,000 $312,778 $4,182 2.60%
LAFAYETTE, LA 9 $2,695,000 $299,444 $8,588 4.00%
LAKE HAVASU CITY-KINGMAN, AZ 16 $2,600,000 $162,500 $5,951 4.30%
THE VILLAGES, FL 11 $2,565,000 $233,182 $4,699 2.93%
FORT COLLINS, CO 12 $2,510,000 $209,167 $6,205 3.61%
SALEM, OR 11 $2,495,000 $226,818 $7,385 4.50%
TALLAHASSEE, FL 10 $2,490,000 $249,000 $5,465 2.99%
BEND, OR 8 $2,400,000 $300,000 $10,633 3.20%
MADERA, CA 9 $2,395,000 $266,111 $5,081 2.90%
CLARKSVILLE, TN-KY 11 $2,385,000 $216,818 $4,273 3.78%
DAPHNE-FAIRHOPE-FOLEY, AL 13 $2,345,000 $180,385 $4,771 3.90%
SEBASTIAN-VERO BEACH, FL 10 $2,330,000 $233,000 $3,875 3.27%
ATLANTIC CITY-HAMMONTON, NJ 10 $2,190,000 $219,000 $3,953 3.51%
PEORIA, IL 11 $2,175,000 $197,727 $3,136 3.47%
OMAHA-COUNCIL BLUFFS, NE-IA 10 $2,160,000 $216,000 $4,163 3.19%
RACINE, WI 10 $2,150,000 $215,000 $4,074 3.98%
KANKAKEE, IL 12 $2,120,000 $176,667 $4,089 3.55%
NILES, MI 9 $2,115,000 $235,000 $3,598 3.28%
LANSING-EAST LANSING, MI 11 $2,085,000 $189,545 $5,293 3.82%
PANAMA CITY, FL 10 $2,070,000 $207,000 $4,804 3.54%
SHREVEPORT-BOSSIER CITY, LA 12 $2,010,000 $167,500 $4,163 3.45%
GREENVILLE, NC 11 $1,965,000 $178,636 $4,241 3.78%
GAINESVILLE, FL 13 $1,935,000 $148,846 $4,176 3.80%
MONROE, LA 11 $1,915,000 $174,091 $5,659 3.89%
SOUTH BEND-MISHAWAKA, IN-MI 8 $1,900,000 $237,500 $3,969 3.64%
GOLDSBORO, NC 8 $1,890,000 $236,250 $7,043 3.80%
SCRANTON--WILKES-BARRE, PA 12 $1,830,000 $152,500 $5,813 3.28%
ROCKY MOUNT, NC 10 $1,830,000 $183,000 $4,770 3.46%
NEW BERN, NC 9 $1,815,000 $201,667 $5,634 4.12%
WICHITA, KS 9 $1,655,000 $183,889 $4,109 3.47%
FORT WAYNE, IN 10 $1,640,000 $164,000 $5,675 3.40%
YUBA CITY, CA 7 $1,595,000 $227,857 $4,548 2.68%
PROVIDENCE-WARWICK, RI-MA 6 $1,590,000 $265,000 $5,566 2.77%
MICHIGAN CITY-LA PORTE, IN 8 $1,580,000 $197,500 $3,887 3.12%
MOUNT VERNON-ANACORTES, WA 5 $1,575,000 $315,000 $8,681 3.30%
CEDAR RAPIDS, IA 8 $1,570,000 $196,250 $5,933 2.94%
ELKHART-GOSHEN, IN 11 $1,565,000 $142,273 $4,231 3.75%
BOULDER, CO 4 $1,540,000 $385,000 $5,192 2.63%
SAN RAFAEL, CA 3 $1,535,000 $511,667 $5,671 2.83%
ANN ARBOR, MI 7 $1,495,000 $213,571 $6,560 3.43%
TULSA, OK 10 $1,490,000 $149,000 $6,537 4.08%
PRESCOTT VALLEY-PRESCOTT, AZ 7 $1,435,000 $205,000 $7,114 4.59%
ST. GEORGE, UT 5 $1,395,000 $279,000 $5,270 3.80%
SPRINGFIELD, MO 8 $1,380,000 $172,500 $4,202 3.30%
LONGVIEW, WA 4 $1,350,000 $337,500 $5,430 2.94%
COLUMBUS, GA-AL 7 $1,285,000 $183,571 $5,691 3.05%
STAUNTON, VA 4 $1,270,000 $317,500 $2,127 2.81%
EUGENE-SPRINGFIELD, OR 8 $1,270,000 $158,750 $7,854 4.19%
HUNTINGTON-ASHLAND, WV-KY-OH 7 $1,245,000 $177,857 $4,191 3.14%
WARNER ROBINS, GA 8 $1,200,000 $150,000 $4,510 3.83%
BOWLING GREEN, KY 8 $1,190,000 $148,750 $5,823 3.69%
MONTGOMERY, AL 5 $1,185,000 $237,000 $3,326 3.22%
IOWA CITY, IA 5 $1,185,000 $237,000 $2,847 3.23%
LIMA, OH 9 $1,165,000 $129,444 $4,178 3.62%
ERIE, PA 6 $1,150,000 $191,667 $3,740 3.02%
SPRINGFIELD, OH 6 $1,130,000 $188,333 $3,979 2.94%
ELIZABETHTOWN-FORT KNOX, KY 7 $1,115,000 $159,286 $4,893 4.07%
FLINT, MI 4 $1,090,000 $272,500 $7,376 3.44%
MERCED, CA 5 $1,075,000 $215,000 $2,740 3.37%
MACON-BIBB COUNTY, GA 7 $1,065,000 $152,143 $6,572 4.04%
OGDEN-CLEARFIELD, UT 4 $1,040,000 $260,000 $6,924 2.94%
VINELAND-BRIDGETON, NJ 5 $1,035,000 $207,000 $4,964 3.28%
HOMOSASSA SPRINGS, FL 7 $1,025,000 $146,429 $3,284 3.41%
LAWRENCE, KS 7 $1,005,000 $143,571 $6,611 4.14%
WHEELING, WV-OH 5 $995,000 $199,000 $2,822 3.30%
DECATUR, AL 6 $990,000 $165,000 $5,727 4.04%
GETTYSBURG, PA 4 $980,000 $245,000 $5,344 2.97%
GAINESVILLE, GA 4 $980,000 $245,000 $6,740 2.81%
ALBUQUERQUE, NM 1 $975,000 $975,000 $14,446 2.25%
HARRISONBURG, VA 5 $955,000 $191,000 $4,337 3.85%
GREEN BAY, WI 5 $915,000 $183,000 $3,594 3.95%
REDDING, CA 4 $910,000 $227,500 $3,003 2.88%
HAMMOND, LA 6 $900,000 $150,000 $5,440 3.86%
BLOOMINGTON, IL 6 $890,000 $148,333 $3,849 3.40%
ALBANY-LEBANON, OR 5 $865,000 $173,000 $10,252 4.23%
BEAUMONT-PORT ARTHUR, TX 2 $860,000 $430,000 $8,350 3.13%
ALEXANDRIA, LA 5 $855,000 $171,000 $7,384 3.78%
OCEAN CITY, NJ 3 $845,000 $281,667 $5,999 2.71%
CHAMPAIGN-URBANA, IL 5 $825,000 $165,000 $3,728 3.57%
CARBONDALE-MARION, IL 5 $775,000 $155,000 $6,207 3.18%
MONROE, MI 5 $775,000 $155,000 $5,084 2.82%
JOHNSON CITY, TN 4 $760,000 $190,000 $5,221 2.47%
EL PASO, TX 3 $745,000 $248,333 $4,667 2.71%
TYLER, TX 3 $745,000 $248,333 $7,108 2.79%
OSHKOSH-NEENAH, WI 5 $735,000 $147,000 $4,464 4.28%
WAUSAU-WESTON, WI 6 $730,000 $121,667 $3,675 4.31%
CLEVELAND, TN 4 $720,000 $180,000 $5,923 3.88%
DALTON, GA 3 $715,000 $238,333 $6,188 3.66%
HOUMA-THIBODAUX, LA 3 $705,000 $235,000 $8,434 3.33%
HANFORD-CORCORAN, CA 3 $685,000 $228,333 $3,607 3.08%
EL CENTRO, CA 3 $685,000 $228,333 $3,190 2.71%
BARNSTABLE TOWN, MA 3 $675,000 $225,000 $6,565 2.92%
BRUNSWICK, GA 4 $670,000 $167,500 $5,935 3.09%
MANSFIELD, OH 6 $660,000 $110,000 $3,741 3.33%
TOPEKA, KS 4 $660,000 $165,000 $3,907 3.97%
JEFFERSON CITY, MO 4 $660,000 $165,000 $6,440 3.91%
SANTA CRUZ-WATSONVILLE, CA 2 $650,000 $325,000 $4,162 2.75%
ALTOONA, PA 3 $615,000 $205,000 $5,461 3.33%
KALAMAZOO-PORTAGE, MI 4 $610,000 $152,500 $5,353 3.31%
VALDOSTA, GA 4 $590,000 $147,500 $4,288 2.88%
COLLEGE STATION-BRYAN, TX 3 $545,000 $181,667 $5,982 3.17%
KILLEEN-TEMPLE, TX 3 $545,000 $181,667 $5,349 2.75%
WATERLOO-CEDAR FALLS, IA 4 $540,000 $135,000 $3,485 2.94%
FARGO, ND-MN 2 $530,000 $265,000 $6,232 2.69%
ROCHESTER, MN 4 $520,000 $130,000 $3,680 3.49%
JACKSON, TN 2 $520,000 $260,000 $6,013 3.06%
BOISE CITY, ID 2 $500,000 $250,000 $6,570 3.06%
GRAND JUNCTION, CO 3 $495,000 $165,000 $4,355 5.04%
SHERMAN-DENISON, TX 2 $490,000 $245,000 $5,869 3.56%
LAFAYETTE-WEST LAFAYETTE, IN 3 $475,000 $158,333 $3,040 2.58%
BLACKSBURG-CHRISTIANSBURG, VA 2 $470,000 $235,000 $4,325 2.81%
DULUTH, MN-WI 1 $465,000 $465,000 $11,820 4.12%
LAKE CHARLES, LA 2 $460,000 $230,000 $4,075 2.88%
MORRISTOWN, TN 2 $450,000 $225,000 $10,905 3.38%
ST. JOSEPH, MO-KS 3 $445,000 $148,333 $4,575 4.92%
SEBRING-AVON PARK, FL 3 $445,000 $148,333 $5,684 3.79%
PUEBLO, CO 3 $445,000 $148,333 $4,111 3.50%
TUSCALOOSA, AL 4 $440,000 $110,000 $7,545 4.38%
DOTHAN, AL 1 $435,000 $435,000 $4,378 2.63%
GRANTS PASS, OR 2 $410,000 $205,000 $8,023 3.75%
FLORENCE, SC 3 $405,000 $135,000 $5,029 5.29%
CORPUS CHRISTI, TX 2 $400,000 $200,000 $3,023 2.94%
KOKOMO, IN 2 $380,000 $190,000 $3,105 3.44%
JOPLIN, MO 3 $355,000 $118,333 $4,585 4.00%
FARMINGTON, NM 1 $355,000 $355,000 $3,523 2.38%
CORVALLIS, OR 2 $350,000 $175,000 $8,558 5.31%
LEWISTON, ID-WA 1 $345,000 $345,000 $7,603 2.50%
OWENSBORO, KY 2 $340,000 $170,000 $4,699 3.06%
YUMA, AZ 3 $335,000 $111,667 $4,735 3.62%
LONGVIEW, TX 2 $330,000 $165,000 $3,616 2.88%
MANKATO, MN 2 $330,000 $165,000 $5,509 4.06%
LOGAN, UT-ID 1 $325,000 $325,000 $4,980 2.75%
COLUMBUS, IN 3 $325,000 $108,333 $5,767 4.75%
NAPA, CA 1 $325,000 $325,000 $9,196 2.25%
MEDFORD, OR 2 $320,000 $160,000 $7,314 4.06%
BLOOMINGTON, IN 2 $320,000 $160,000 $3,821 3.38%
LAWTON, OK 1 $305,000 $305,000 $2,891 2.38%
DANVILLE, IL 3 $305,000 $101,667 $3,458 3.71%
EVANSVILLE, IN-KY 2 $300,000 $150,000 $5,107 2.94%
KINGSPORT-BRISTOL, TN-VA 4 $300,000 $75,000 $5,486 4.50%
PARKERSBURG-VIENNA, WV 2 $300,000 $150,000 $4,315 4.00%
SIERRA VISTA-DOUGLAS, AZ 2 $290,000 $145,000 $3,901 2.75%
GADSDEN, AL 1 $285,000 $285,000 $3,246 2.85%
BROWNSVILLE-HARLINGEN, TX 1 $285,000 $285,000 $2,688 3.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 2 $270,000 $135,000 $2,109 2.81%
JOHNSTOWN, PA 2 $270,000 $135,000 $5,902 3.50%
CHARLESTON, WV 2 $270,000 $135,000 $2,861 2.88%
DUBUQUE, IA 1 $265,000 $265,000 $3,061 2.88%
MOBILE, AL 2 $260,000 $130,000 $3,854 3.18%
ROME, GA 2 $250,000 $125,000 $5,610 3.31%
FOND DU LAC, WI 1 $235,000 $235,000 $3,031 2.88%
MIDLAND, TX 1 $235,000 $235,000 $2,610 2.63%
SHEBOYGAN, WI 1 $225,000 $225,000 $2,689 2.63%
JANESVILLE-BELOIT, WI 2 $220,000 $110,000 $3,345 4.19%
ENID, OK 2 $220,000 $110,000 $5,606 4.25%
BELLINGHAM, WA 1 $215,000 $215,000 $5,910 1.99%
Outside of Metro Areas 1 $205,000 $205,000 $6,553 4.13%
BISMARCK, ND 1 $205,000 $205,000 $7,290 2.50%
MIDLAND, MI 1 $195,000 $195,000 $3,674 3.50%
ST. CLOUD, MN 1 $195,000 $195,000 $6,874 3.63%
WENATCHEE, WA 1 $195,000 $195,000 $2,644 2.63%
CHAMBERSBURG-WAYNESBORO, PA 1 $175,000 $175,000 $3,541 2.63%
MUNCIE, IN 1 $175,000 $175,000 $3,488 2.38%
AUBURN-OPELIKA, AL 1 $175,000 $175,000 $4,202 2.99%
MUSKEGON, MI 1 $165,000 $165,000 $4,851 3.38%
IDAHO FALLS, ID 1 $165,000 $165,000 $4,261 3.25%
COLUMBIA, MO 1 $165,000 $165,000 $2,645 2.25%
MCALLEN-EDINBURG-MISSION, TX 1 $155,000 $155,000 $4,121 3.38%
ALBANY, GA 2 $150,000 $75,000 $5,743 5.56%
WACO, TX 1 $145,000 $145,000 $3,408 2.75%
SUMTER, SC 2 $140,000 $70,000 $4,864 5.63%
WILLIAMSPORT, PA 1 $135,000 $135,000 $3,347 3.38%
SPRINGFIELD, IL 1 $135,000 $135,000 $1,932 2.75%
BECKLEY, WV 1 $135,000 $135,000 $3,835 3.00%
AMARILLO, TX 1 $115,000 $115,000 $3,555 3.00%
PITTSFIELD, MA 1 $105,000 $105,000 $3,185 2.38%
GULFPORT-BILOXI, MS 1 $105,000 $105,000 $2,459 3.75%

Homeside Financial 's top markets include Washington, Chicago, Columbus, Raleigh, and Dallas among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 7,731 $2,109,165,000 $272,819
3-4% 7,392 $1,911,460,000 $258,585
<2.5% 2,287 $618,655,000 $270,509
4-5% 1,779 $335,205,000 $188,423
5-6% 680 $134,330,000 $197,544
6-7% 151 $11,195,000 $74,139
7-8% 1 $105,000 $105,000

During 2020, Homeside Financial 's average interest rate was 3.23%, while their most frequently originated rate bucket was 2.5-3%, with 7,731 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 10,124 $2,846,390,000 $281,153 $5,362 3.16%
$100k-200k 5,902 $930,370,000 $157,636 $4,081 3.31%
$400k-600k 2,190 $1,023,620,000 $467,406 $6,223 3.14%
$100,000 or less 1,497 $101,035,000 $67,492 $2,994 4.05%
$600k-1MM 301 $211,385,000 $702,276 $8,782 3.17%
$1MM+ 7 $7,315,000 $1,045,000 $12,348 3.52%

2020 saw Homeside Financial place emphasis on $200k-400k loans with 10,124 originations, totaling $2,846,390,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 4,937 $1,357,375,000 $274,939 $5,118 3.33%
$50k-75k 4,437 $930,245,000 $209,656 $5,046 3.23%
$75k-100k 3,895 $935,185,000 $240,099 $5,213 3.29%
$150k-250k 3,063 $1,007,035,000 $328,774 $5,137 3.37%
$50k or less 2,173 $341,555,000 $157,181 $4,524 3.15%
$250k+ 913 $343,665,000 $376,413 $5,033 3.37%

Homeside Financial lent most frequently to those with incomes in the $100k-150k range, with 4,937 originations. The second most popular income band? $50k-75k, with 4,437 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 4,173 $1,057,425,000 $253,397 $4,242 3.13%
30-36% 3,591 $913,055,000 $254,262 $4,696 3.26%
<20% 1,467 $365,275,000 $248,995 $3,787 2.99%
44% 974 $241,960,000 $248,419 $5,628 3.56%
50-60% 844 $234,870,000 $278,282 $9,034 3.24%
39% 791 $194,375,000 $245,733 $5,321 3.52%
42% 762 $189,390,000 $248,543 $5,243 3.40%
43% 761 $193,155,000 $253,817 $5,274 3.51%
41% 727 $184,225,000 $253,404 $5,109 3.37%
40% 707 $179,915,000 $254,477 $5,215 3.36%
37% 693 $172,505,000 $248,925 $4,934 3.33%
38% 674 $168,550,000 $250,074 $4,986 3.37%
36% 650 $157,920,000 $242,954 $4,995 3.39%
49% 589 $150,045,000 $254,745 $6,178 3.41%
45% 554 $146,030,000 $263,592 $5,640 3.29%
46% 502 $128,690,000 $256,355 $5,829 3.34%
48% 485 $118,005,000 $243,309 $5,751 3.44%
47% 459 $113,455,000 $247,179 $5,747 3.43%
>60% 15 $6,215,000 $414,333 $10,181 3.31%

Homeside Financial lent most frequently to those with DTI ratios of 20-30%, with 4,173 originations. The next most common DTI ratio? 30-36%, with 3,591 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 14,933 $3,734,055,000 $250,054 $4,808 3.29%
Not provided 2,811 $741,495,000 $263,783 $5,183 3.16%
Black 1,532 $422,420,000 $275,731 $7,115 3.33%
Asian 667 $202,625,000 $303,786 $4,808 3.10%
American Indian 58 $13,330,000 $229,828 $5,649 3.07%
Native Hawaiian 19 $6,035,000 $317,632 $5,034 3.34%
Filipino 1 $155,000 $155,000 $2,489 2.63%

Approval Rates

Total approvals of all applications
90.03%

Homeside Financial has an average approval rate.

Pick Rate

Approvals leading to origination
44.21%

Homeside 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 20,021 $5,120,115,000 $255,737

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 76 $14,240,000 $187,368
Single Family (1-4 Units):Site-Built 19,945 $5,105,875,000 $255,998

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,125 $150,885,000 $134,120 $3,311 4.06%
40-60% 2,350 $564,410,000 $240,174 $3,698 3.00%
60-80% 7,795 $2,092,915,000 $268,495 $4,481 3.25%
80-100% 8,084 $2,214,970,000 $273,994 $5,975 3.21%
Over 100% 185 $67,725,000 $366,081 $12,310 3.33%
Under 20% 480 $28,780,000 $59,958 $906 3.95%