13946 Mortgage Rates, Fees & Info

Perry, OK

LEI: 549300RPDWEFBGPJPW67

Tax ID: 73-0398257

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    13946 is a smaller mortgage company specializing in Home Purchase, Refi, and Other loans. 13946 has a high proportion of conventional loans. Their top markets by origination volume include: Enid, Austin, Bartlesville, Tulsa, and Oklahoma City among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)

    13946 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.

    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

    54

    Origination Dollar Volume (All Markets)

    $5,270,000

    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
    Outside of Metro Areas 35 $3,475,000 $99,286 $1,578 6.01%
    ENID, OK (FHA|USDA|VA) 10 $990,000 $99,000 $1,310 5.80%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.13%
    Bartlesville, OK (FHA|USDA|VA) 1 $135,000 $135,000 $1,879 5.25%
    TULSA, OK (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.50%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $110,000 $55,000 $1,001 6.06%
    Ponca City, OK (FHA|USDA|VA) 2 $90,000 $45,000 $1,555 5.50%
    Stillwater, OK (FHA|USDA|VA) 2 $70,000 $35,000 $326 6.25%
    13946's top markets include Enid, Austin, Bartlesville, Tulsa, and Oklahoma City among others.

    Their top states include:
  • Oklahoma (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 53 $5,145,000 $97,075 $1,476 5.93%
    HELOC 1 $125,000 $125,000 n/a 6.50%

    For 2018, 13946's most frequently originated type of loan was Conventional, with 53 originations. Their 2nd most popular type was HELOC, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 24 $2,130,000 $88,750 $1,972 5.97%
    Refi 16 $1,450,000 $90,625 $945 5.95%
    Other 10 $1,240,000 $124,000 $1,434 5.95%
    Home Improvement 4 $450,000 $112,500 $1,252 5.69%

    For 2018, 13946's most frequently cited loan purpose was Home Purchase, with 24 originations. The 2nd most popular reason was Refi, with 16 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 31 $3,165,000 $102,097 $1,661 5.87%
    15 Year 8 $390,000 $48,750 $865 6.16%
    10 Year 8 $360,000 $45,000 $1,401 5.80%
    Other 3 $825,000 $275,000 $2,525 6.29%
    5 Year 2 $50,000 $25,000 $436 6.13%
    1 Year 1 $355,000 $355,000 $869 5.63%
    3 Year 1 $125,000 $125,000 $0 6.50%

    For 2018, 13946's most frequently cited loan duration was 20 Year, with 31 originations. The 2nd most popular length was 15 Year, with 8 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 31 $1,785,000 $57,581
    $1k-2k 9 $1,665,000 $185,000
    $2k-3k 1 $235,000 $235,000

    13946's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 31 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 28 $2,700,000 $96,429
    6-7% 20 $2,040,000 $102,000
    4-5% 4 $460,000 $115,000
    7-8% 2 $70,000 $35,000

    During 2018, 13946's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 28 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 36 $1,710,000 $47,500 $1,256 6.01%
    $100k-200k 12 $1,810,000 $150,833 $2,423 5.73%
    $200k-400k 6 $1,750,000 $291,667 $1,938 5.96%

    2018 saw 13946 place emphasis on $100,000 or less loans with 36 originations, totaling $1,710,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 15 $675,000 $45,000 $1,236 5.97%
    $100k-150k 12 $1,730,000 $144,167 $1,364 5.86%
    $75k-100k 10 $1,000,000 $100,000 $1,630 6.01%
    $50k-75k 9 $755,000 $83,889 $1,759 6.14%
    $150k-250k 2 $180,000 $90,000 $1,706 6.31%

    13946 lent most frequently to those with incomes in the $50k or less range, with 15 originations. The second most popular income band? $100k-150k, with 12 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 14 $920,000 $65,714 $1,505 5.82%
    <20% 11 $675,000 $61,364 $1,435 6.01%
    30-36% 9 $1,545,000 $171,667 $1,430 6.06%
    37% 7 $835,000 $119,286 $1,784 5.61%
    36% 3 $295,000 $98,333 $1,583 5.83%
    40% 2 $140,000 $70,000 $326 6.38%
    43% 1 $195,000 $195,000 $0 6.50%
    39% 1 $45,000 $45,000 $319 5.88%
    41% 1 $25,000 $25,000 $2,294 6.75%
    42% 1 $45,000 $45,000 $1,734 7.50%

    13946 lent most frequently to those with DTI ratios of 20-30%, with 14 originations. The next most common DTI ratio? <20%, with 11 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 44 $4,000,000 $90,909 $1,440 5.98%
    Not applicable 5 $875,000 $175,000 $0 5.40%
    Not provided 2 $150,000 $75,000 $1,711 6.25%
    Asian 1 $135,000 $135,000 $2,869 6.63%
    American Indian 2 $110,000 $55,000 $994 5.88%

    Approval Rates

    Total approvals of all applications
    87.84%

    13946 has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.63%

    13946 has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 54 $5,270,000 $97,593

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $320,000 $160,000
    Single Family (1-4 Units):Manufactured 7 $365,000 $52,143
    Single Family (1-4 Units):Site-Built 45 $4,585,000 $101,889

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 5 $365,000 $73,000 $1,422 5.65%
    40-60% 6 $370,000 $61,667 $1,200 5.65%
    60-80% 17 $1,745,000 $102,647 $1,448 5.90%
    80-100% 24 $2,660,000 $110,833 $1,678 6.07%
    Over 100% 1 $125,000 $125,000 $0 6.50%
    Under 20% 1 $5,000 $5,000 $554 6.38%