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 Francisco, and San Diego among others. We have data for 23 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

    2,400

    Origination Dollar Volume (All Markets)

    $1,003,390,000

    Awards

    Eagle Home Mortgage of CA VA Loans gold Eagle Home Mortgage of CA 30 Year Conventional Loans silver
    Show all (2) 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) 662 $264,560,000 $399,637 $6,990 4.23%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 441 $174,525,000 $395,748 $7,087 4.33%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 150 $80,600,000 $537,333 $7,495 4.31%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 103 $78,685,000 $763,932 $8,695 4.02%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 144 $78,180,000 $542,917 $9,084 4.22%
    FRESNO, CA (FHA|USDA|VA) 172 $51,150,000 $297,384 $6,343 4.45%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 82 $49,310,000 $601,341 $7,078 4.34%
    RENO, NV (FHA|USDA|VA) 126 $44,550,000 $353,571 $4,215 4.43%
    STOCKTON, CA (FHA|USDA|VA) 78 $35,580,000 $456,154 $7,218 4.36%
    BAKERSFIELD, CA (FHA|USDA|VA) 123 $34,525,000 $280,691 $6,519 4.17%
    VISALIA, CA (FHA|USDA|VA) 82 $24,250,000 $295,732 $7,370 4.43%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 30 $19,380,000 $646,000 $8,636 4.11%
    MERCED, CA (FHA|USDA|VA) 68 $18,910,000 $278,088 $6,279 4.27%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 45 $12,915,000 $287,000 $6,085 4.23%
    CARSON CITY, NV (FHA|USDA|VA) 36 $12,780,000 $355,000 $4,660 4.28%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 21 $11,605,000 $552,619 $8,891 4.55%
    MADERA, CA (FHA|USDA|VA) 18 $5,730,000 $318,333 $5,889 4.28%
    YUBA CITY, CA (FHA|USDA|VA) 10 $2,960,000 $296,000 $3,047 4.49%
    Fernley, NV (FHA|USDA|VA) 4 $1,350,000 $337,500 $2,739 3.96%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $595,000 $595,000 $4,588 3.88%
    Outside of Metro Areas 2 $490,000 $245,000 $5,859 4.56%
    VALLEJO, CA (FHA|USDA|VA) 1 $485,000 $485,000 $5,983 4.50%
    MODESTO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $3,213 4.50%
    Eagle Home Mortgage Of Ca's top markets include Riverside, Sacramento, Los Angeles, San Francisco, and San Diego among others.

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

    MYPOINT Credit Union
    Similarity Rank: 147
    FAMILIES AND SCHOOLS TOGETHER FEDERAL CREDIT UNION
    Similarity Rank: 162
    ONE NEVADA CREDIT UNION
    Similarity Rank: 168
    Educational Employees Credit Union
    Similarity Rank: 204
    Christian Community Credit Union
    Similarity Rank: 220
    LONG BEACH CITY EMPLOYEES Federal Credit Union
    Similarity Rank: 290
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 318
    Great Basin Federal Credit Union
    Similarity Rank: 360
    SAFEAMERICA CREDIT UNION
    Similarity Rank: 368
    COASTHILLS
    Similarity Rank: 378

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,858 $781,480,000 $420,603 $6,142 4.31%
    FHA 283 $107,565,000 $380,088 $12,224 4.26%
    VA 259 $114,345,000 $441,486 $7,232 4.11%

    For 2019, Eagle Home Mortgage Of Ca's most frequently originated type of loan was Conventional, with 1,858 originations. Their 2nd most popular type was FHA, with 283 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,344 $984,190,000 $419,876 $7,049 4.29%
    Refi 39 $13,715,000 $351,667 $3,354 4.01%
    Cash Out Refi 14 $4,410,000 $315,000 $5,802 4.39%
    Home Improvement 3 $1,075,000 $358,333 $2,388 4.50%

    For 2019, Eagle Home Mortgage Of Ca's most frequently cited loan purpose was Home Purchase, with 2,344 originations. The 2nd most popular reason was Refi, with 39 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,307 $978,875,000 $424,306 $7,074 4.28%
    15 Year 72 $21,200,000 $294,444 $5,031 3.70%
    20 Year 17 $2,685,000 $157,941 $1,948 6.60%
    10 Year 3 $405,000 $135,000 $1,584 4.38%
    Other 1 $225,000 $225,000 $1,809 4.75%

    For 2019, Eagle Home Mortgage Of Ca's most frequently cited loan duration was 30 Year, with 2,307 originations. The 2nd most popular length was 15 Year, with 72 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,144 $504,880,000 $441,329
    $<1k 380 $135,440,000 $356,421
    $2k-3k 267 $97,155,000 $363,876
    $5k+ 259 $123,995,000 $478,745
    $3k-4k 200 $78,530,000 $392,650
    $4k-5k 149 $62,885,000 $422,047

    Eagle Home Mortgage Of Ca's average total fees were $7,074, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,144 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,362 $574,150,000 $421,549
    3-4% 887 $373,625,000 $421,223
    5-6% 121 $47,965,000 $396,405
    2.5-3% 13 $4,615,000 $355,000
    7-8% 10 $1,110,000 $111,000
    6-7% 7 $1,925,000 $275,000

    During 2019, Eagle Home Mortgage Of Ca's average interest rate for loans was 4.28%, while their most frequently originated rate bucket for loans was 4-5%, with 1,362 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,114 $349,900,000 $314,093 $6,330 4.27%
    $400k-600k 877 $417,395,000 $475,935 $7,681 4.28%
    $600k-1MM 271 $193,645,000 $714,557 $8,897 4.23%
    $100k-200k 95 $14,405,000 $151,632 $3,186 4.41%
    $1MM+ 22 $26,450,000 $1,202,273 $8,864 4.15%
    $100,000 or less 21 $1,595,000 $75,952 $1,252 5.41%

    2019 saw Eagle Home Mortgage Of Ca place emphasis on $200k-400k loans with 1,114 originations, totaling $349,900,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 809 $331,765,000 $410,093 $7,283 4.26%
    $150k-250k 598 $293,890,000 $491,455 $7,308 4.34%
    $75k-100k 473 $166,215,000 $351,406 $6,855 4.29%
    $50k-75k 243 $70,135,000 $288,621 $6,007 4.22%
    $250k+ 208 $122,940,000 $591,058 $7,209 4.30%
    $50k or less 35 $6,735,000 $192,429 $3,786 4.27%

    Eagle Home Mortgage Of Ca lent most frequently to those with incomes in the $100k-150k range, with 809 originations. The second most popular income band? $150k-250k, with 598 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 364 $154,310,000 $423,929 $6,762 4.24%
    20-30% 253 $102,445,000 $404,921 $6,171 4.22%
    50-60% 221 $93,095,000 $421,244 $9,533 4.14%
    49% 145 $59,235,000 $408,517 $7,023 4.33%
    44% 137 $54,305,000 $396,387 $6,827 4.34%
    42% 133 $62,405,000 $469,211 $7,173 4.31%
    48% 115 $48,925,000 $425,435 $7,358 4.38%
    39% 114 $50,690,000 $444,649 $6,764 4.38%
    46% 107 $44,455,000 $415,467 $6,628 4.43%
    41% 104 $48,170,000 $463,173 $6,733 4.35%
    47% 100 $37,900,000 $379,000 $6,756 4.32%
    43% 97 $40,035,000 $412,732 $6,618 4.35%
    38% 91 $37,565,000 $412,802 $6,180 4.41%
    45% 91 $34,245,000 $376,319 $6,724 4.25%
    40% 88 $41,410,000 $470,568 $7,172 4.29%
    36% 77 $32,885,000 $427,078 $7,027 4.24%
    37% 73 $29,985,000 $410,753 $6,554 4.28%
    <20% 64 $18,880,000 $295,000 $5,093 4.08%
    >60% 25 $11,765,000 $470,600 $7,653 4.13%

    Eagle Home Mortgage Of Ca lent most frequently to those with DTI ratios of 30-36%, with 364 originations. The next most common DTI ratio? 20-30%, with 253 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,166 $465,280,000 $399,039 $6,853 4.30%
    Asian 448 $209,540,000 $467,723 $7,179 4.23%
    Not provided 424 $171,480,000 $404,434 $6,931 4.31%
    Black 117 $50,205,000 $429,103 $7,513 4.29%
    Asian Indian 74 $36,150,000 $488,514 $6,576 4.23%
    Filipino 65 $26,915,000 $414,077 $7,452 4.34%
    Chinese 22 $9,010,000 $409,545 $6,397 4.18%
    American Indian 23 $8,875,000 $385,870 $6,559 4.09%
    Other Asian 19 $7,325,000 $385,526 $6,158 4.20%
    Other Pacific Islander 11 $4,785,000 $435,000 $11,150 4.33%
    Native Hawaiian or Islander 10 $4,630,000 $463,000 $6,767 4.20%
    Vietnamese 11 $4,025,000 $365,909 $5,738 4.24%
    Korean 6 $3,240,000 $540,000 $8,499 4.25%
    Japanese 3 $1,355,000 $451,667 $5,241 4.50%
    Guamanian 1 $575,000 $575,000 $16,443 5.75%

    Approval Rates

    Total approvals of all applications
    92.46%

    Eagle Home Mortgage Of Ca has an average approval rate.

    Pick Rate

    Approvals leading to origination
    48.38%

    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 2,400 $1,003,390,000 $418,079

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 2,400 $1,003,390,000 $418,079

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 103 $21,555,000 $209,272 $3,767 4.26%
    40-60% 209 $70,825,000 $338,876 $5,965 4.11%
    60-80% 674 $307,820,000 $456,706 $6,492 4.29%
    80-100% 1,276 $551,800,000 $432,445 $7,300 4.30%
    Over 100% 99 $45,505,000 $459,646 $12,921 4.07%
    Under 20% 33 $3,675,000 $111,364 $2,263 5.25%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Eagle Home Mortgage, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 8 30.8%
    Eagle Home Mortgage, LLC Conventional home mortgage Closing on a mortgage 6 23.1%
    Eagle Home Mortgage, LLC Conventional home mortgage Struggling to pay mortgage 1 3.8%
    Eagle Home Mortgage, LLC Conventional home mortgage Trouble during payment process 2 7.7%
    Eagle Home Mortgage, LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 7.7%
    Eagle Home Mortgage, LLC FHA mortgage Closing on a mortgage 2 7.7%
    Eagle Home Mortgage, LLC Other type of mortgage Closing on a mortgage 1 3.8%
    Eagle Home Mortgage, LLC VA mortgage Closing on a mortgage 3 11.5%
    Eagle Home Mortgage, LLC VA mortgage Incorrect information on your report 1 3.8%