Homeside Financial Mortgage Rates, Fees & Info
LUTHERVILLE TIMONIUM, MDLEI: 549300RN01LBYR8ZVX74
Tax ID: 46-3689142
2020 Data | 2019 Data | 2018 Data
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Mortgage 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
20,021Origination Dollar Volume (All Markets)
$5,120,115,000Relative 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 applications90.03%
Homeside Financial has an average approval rate.
Pick Rate
Approvals leading to origination44.21%
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% |