Eagle Home Mortgage Of Ca Rates, Fees & Info

Miami, FL

LEI: 549300SSW7BYB4WN4238

Tax ID: 33-0696414

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
  • Complaints
  • Similar Lenders
  • 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

    Eagle Home Mortgage Of Ca is a small mortgage company specializing in Home Purchase loans. Eagle Home Mortgage Of Ca has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Riverside, Sacramento, Los Angeles, San Diego, and Fresno among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Eagle Home Mortgage Of Ca 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. Eagle Home Mortgage Of Ca is typically an average 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.

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    Originations

    4,020

    Origination Dollar Volume (All Markets)

    $1,614,920,000
    Show all (19) awards

    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
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1,068 $412,080,000 $385,843 $6,542 4.64%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 760 $295,220,000 $388,447 $6,229 4.58%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 302 $168,720,000 $558,675 $6,291 4.52%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 241 $145,745,000 $604,751 $8,063 4.46%
    FRESNO, CA (FHA|USDA|VA) 345 $96,735,000 $280,391 $5,368 4.60%
    RENO, NV (FHA|USDA|VA) 261 $87,785,000 $336,341 $4,518 4.61%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 144 $83,340,000 $578,750 $6,030 4.46%
    BAKERSFIELD, CA (FHA|USDA|VA) 248 $66,250,000 $267,137 $5,876 4.48%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 103 $50,955,000 $494,709 $7,218 4.51%
    STOCKTON, CA (FHA|USDA|VA) 104 $44,690,000 $429,712 $6,220 4.72%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 67 $43,025,000 $642,164 $6,620 4.68%
    VISALIA, CA (FHA|USDA|VA) 103 $30,275,000 $293,932 $5,706 4.71%
    MERCED, CA (FHA|USDA|VA) 63 $17,145,000 $272,143 $5,790 4.68%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 49 $15,375,000 $313,776 $5,243 4.50%
    CARSON CITY, NV (FHA|USDA|VA) 43 $13,175,000 $306,395 $3,949 4.63%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 18 $11,130,000 $618,333 $9,654 4.45%
    MADERA, CA (FHA|USDA|VA) 35 $10,725,000 $306,429 $5,230 4.51%
    Fernley, NV (FHA|USDA|VA) 21 $6,175,000 $294,048 $3,788 4.55%
    YUBA CITY, CA (FHA|USDA|VA) 17 $5,835,000 $343,235 $5,421 4.79%
    VALLEJO, CA (FHA|USDA|VA) 10 $4,880,000 $488,000 $6,714 4.51%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 12 $3,900,000 $325,000 $4,524 4.81%
    SALINAS, CA (FHA|USDA|VA) 2 $780,000 $390,000 $7,757 4.75%
    MODESTO, CA (FHA|USDA|VA) 2 $430,000 $215,000 $3,891 4.50%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $335,000 $335,000 $3,979 4.88%
    Elko, NV (FHA|USDA|VA) 1 $215,000 $215,000 $7,528 5.00%
    Eagle Home Mortgage Of Ca's top markets include Riverside, Sacramento, Los Angeles, San Diego, and Fresno among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Eagle Home Mortgage of CA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SANTA CLARA COUNTY
    Similarity Rank: 20
    FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION
    Similarity Rank: 52
    MYPOINT Credit Union
    Similarity Rank: 55
    Educational Employees Credit Union
    Similarity Rank: 84
    COASTHILLS
    Similarity Rank: 136
    ONE NEVADA CREDIT UNION
    Similarity Rank: 161
    FRONTWAVE
    Similarity Rank: 176
    CBC Federal Credit Union
    Similarity Rank: 189
    Sierra Central Credit Union
    Similarity Rank: 192
    LBS FINANCIAL
    Similarity Rank: 210

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,155 $1,259,025,000 $399,057 $5,428 4.61%
    VA 459 $210,135,000 $457,810 $6,907 4.42%
    FHA 406 $145,760,000 $359,015 $11,136 4.57%

    For 2018, Eagle Home Mortgage Of Ca's most frequently originated type of loan was Conventional, with 3,155 originations. Their 2nd most popular type was VA, with 459 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,971 $1,598,615,000 $402,572 $6,211 4.59%
    Cash Out Refi 23 $7,285,000 $316,739 $3,588 4.77%
    Refi 21 $7,575,000 $360,714 $2,967 4.30%
    Home Improvement 5 $1,445,000 $289,000 $2,266 4.65%

    For 2018, Eagle Home Mortgage Of Ca's most frequently cited loan purpose was Home Purchase, with 3,971 originations. The 2nd most popular reason was Cash Out Refi, with 23 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,787 $1,560,335,000 $412,024 $6,315 4.59%
    15 Year 172 $45,740,000 $265,930 $4,574 4.05%
    20 Year 55 $7,435,000 $135,182 $1,661 6.33%
    10 Year 6 $1,410,000 $235,000 $3,422 4.00%

    For 2018, Eagle Home Mortgage Of Ca's most frequently cited loan duration was 30 Year, with 3,787 originations. The 2nd most popular length was 15 Year, with 172 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,060 $850,300,000 $412,767
    $<1k 652 $237,230,000 $363,850
    $5k+ 371 $171,175,000 $461,388
    $2k-3k 364 $131,640,000 $361,648
    $3k-4k 330 $129,840,000 $393,455
    $4k-5k 241 $93,955,000 $389,855

    Eagle Home Mortgage Of Ca's average total fees were $6,315, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,060 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 3,052 $1,239,080,000 $405,990
    3-4% 514 $213,650,000 $415,661
    5-6% 384 $151,620,000 $394,844
    6-7% 50 $9,100,000 $182,000
    <2.5% 9 $135,000 $15,000
    7-8% 9 $985,000 $109,444
    2.5-3% 2 $350,000 $175,000

    During 2018, Eagle Home Mortgage Of Ca's average interest rate for loans was 4.59%, while their most frequently originated rate bucket for loans was 4-5%, with 3,052 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,931 $606,015,000 $313,835 $5,793 4.58%
    $400k-600k 1,361 $637,885,000 $468,688 $6,938 4.59%
    $600k-1MM 432 $298,940,000 $691,991 $7,442 4.47%
    $100k-200k 191 $28,655,000 $150,026 $3,132 4.65%
    $100,000 or less 74 $5,210,000 $70,405 $1,409 5.29%
    $1MM+ 31 $38,215,000 $1,232,742 $8,405 4.34%

    2018 saw Eagle Home Mortgage Of Ca place emphasis on $200k-400k loans with 1,931 originations, totaling $606,015,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,249 $510,005,000 $408,331 $6,463 4.58%
    $150k-250k 951 $446,315,000 $469,311 $6,312 4.63%
    $75k-100k 771 $264,975,000 $343,677 $5,930 4.57%
    $50k-75k 532 $163,040,000 $306,466 $5,832 4.53%
    $250k+ 268 $154,930,000 $578,097 $6,447 4.63%
    $50k or less 221 $64,565,000 $292,149 $5,474 4.57%

    Eagle Home Mortgage Of Ca lent most frequently to those with incomes in the $100k-150k range, with 1,249 originations. The second most popular income band? $150k-250k, with 951 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 562 $227,780,000 $405,302 $5,814 4.58%
    20-30% 427 $154,475,000 $361,768 $5,569 4.50%
    50-60% 374 $154,680,000 $413,583 $8,270 4.51%
    >60% 262 $115,660,000 $441,450 $6,862 4.63%
    49% 238 $95,300,000 $400,420 $6,144 4.63%
    42% 197 $90,125,000 $457,487 $6,135 4.64%
    44% 197 $78,815,000 $400,076 $6,079 4.67%
    48% 177 $71,295,000 $402,797 $6,216 4.58%
    37% 165 $68,835,000 $417,182 $6,020 4.63%
    45% 164 $62,010,000 $378,110 $5,856 4.58%
    41% 159 $66,385,000 $417,516 $6,100 4.58%
    43% 158 $60,330,000 $381,835 $5,876 4.62%
    47% 157 $62,305,000 $396,847 $5,769 4.66%
    40% 154 $60,250,000 $391,234 $6,047 4.68%
    46% 147 $54,885,000 $373,367 $5,899 4.59%
    39% 140 $59,270,000 $423,357 $5,482 4.57%
    38% 130 $55,360,000 $425,846 $6,275 4.55%
    36% 125 $51,275,000 $410,200 $6,274 4.62%
    <20% 86 $25,560,000 $297,209 $4,505 4.42%

    Eagle Home Mortgage Of Ca lent most frequently to those with DTI ratios of 30-36%, with 562 originations. The next most common DTI ratio? 20-30%, with 427 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,885 $736,365,000 $390,645 $6,161 4.60%
    Asian 864 $382,140,000 $442,292 $6,208 4.55%
    Not provided 874 $328,620,000 $375,995 $5,703 4.59%
    Black 212 $87,370,000 $412,123 $7,382 4.62%
    Asian Indian 51 $23,065,000 $452,255 $6,894 4.69%
    Filipino 30 $13,770,000 $459,000 $7,730 4.72%
    American Indian 30 $12,700,000 $423,333 $6,491 4.77%
    Native Hawaiian or Islander 21 $9,715,000 $462,619 $8,304 4.57%
    Chinese 17 $8,615,000 $506,765 $5,902 4.55%
    Other Asian 18 $6,690,000 $371,667 $6,805 4.68%
    Japanese 6 $2,230,000 $371,667 $6,245 4.50%
    Vietnamese 5 $1,415,000 $283,000 $6,821 4.65%
    Not applicable 3 $615,000 $205,000 $5,105 4.04%
    Samoan 1 $465,000 $465,000 $9,835 4.25%
    Other Pacific Islander 1 $425,000 $425,000 $8,894 4.50%
    Korean 1 $415,000 $415,000 $11,919 5.00%
    Guamanian 1 $305,000 $305,000 $3,714 4.75%

    Approval Rates

    Total approvals of all applications
    93.30%

    Eagle Home Mortgage Of Ca has an average approval rate.

    Pick Rate

    Approvals leading to origination
    57.79%

    Eagle Home Mortgage Of Ca 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 4,020 $1,614,920,000 $401,721

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 4,020 $1,614,920,000 $401,721

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 184 $37,700,000 $204,891 $4,054 4.44%
    40-60% 355 $117,245,000 $330,268 $5,217 4.42%
    60-80% 1,215 $534,495,000 $439,914 $5,791 4.57%
    80-100% 2,033 $854,925,000 $420,524 $6,586 4.62%
    Over 100% 114 $50,490,000 $442,895 $12,770 4.41%
    Under 20% 97 $8,915,000 $91,907 $1,609 5.34%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Eagle Home Mortgage, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 9.1%
    Eagle Home Mortgage, LLC Conventional home mortgage Closing on a mortgage 5 45.5%
    Eagle Home Mortgage, LLC Conventional home mortgage Trouble during payment process 1 9.1%
    Eagle Home Mortgage, LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 9.1%
    Eagle Home Mortgage, LLC FHA mortgage Trouble during payment process 1 9.1%
    Eagle Home Mortgage, LLC Other type of mortgage Trouble during payment process 1 9.1%
    Eagle Home Mortgage, LLC VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 9.1%