Greenbox Loans Mortgage Rates, Fees & Info
Los Angeles, CALEI: 549300TMY3OACQC9U777
Tax ID: 95-4830207
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Mortgage Data
Review & Overview
Greenbox Loans is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Greenbox Loans has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Miami, Las Vegas, Houston, and Riverside among others. We have data for 124 markets. (Some data included below & more in-depth data is available with an active subscription.)Greenbox Loans 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. They typically have relatively high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 9.48% | 4/21/24 |
| 30 Year Conventional Refi | 8.82% | 4/21/24 |
| 30 Year Cash-out Refi | 9.07% | 4/21/24 |
| 30 Year FHA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 5.68% | 4/21/24 |
| 15 Year Conventional Refi | 5.68% | 4/21/24 |
| 15 Year Cash-out Refi | 5.68% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Greenbox Loans Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
748Origination Dollar Volume (All Markets)
$357,090,000Relative Rate
Greenbox Loans's average 30 year fixed mortgage rate was
9.39%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 2.91%.
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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 84 | $58,980,000 | $702,143 | $0 | 9.43% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 49 | $32,655,000 | $666,429 | $0 | 9.32% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 42 | $20,570,000 | $489,762 | $0 | 8.94% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 54 | $19,990,000 | $370,185 | $0 | 9.39% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 40 | $19,480,000 | $487,000 | $0 | 9.34% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $13,550,000 | $2,258,333 | $0 | 8.85% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 36 | $13,290,000 | $369,167 | $0 | 9.68% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 11 | $9,695,000 | $881,364 | $0 | 8.86% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 28 | $9,440,000 | $337,143 | $0 | 9.36% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 17 | $8,005,000 | $470,882 | $0 | 9.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 12 | $7,180,000 | $598,333 | $0 | 9.85% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 17 | $6,525,000 | $383,824 | $0 | 9.84% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 10 | $5,840,000 | $584,000 | $0 | 9.15% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 7 | $5,555,000 | $793,571 | $0 | 8.78% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 15 | $4,835,000 | $322,333 | $0 | 9.57% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 10 | $4,770,000 | $477,000 | $0 | 9.70% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 13 | $4,555,000 | $350,385 | $0 | 9.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 11 | $4,535,000 | $412,273 | $0 | 9.61% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 14 | $4,260,000 | $304,286 | $0 | 10.05% |
| MODESTO, CA (FHA|USDA|VA) | 9 | $4,135,000 | $459,444 | $0 | 9.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 11 | $4,105,000 | $373,182 | $0 | 9.32% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 12 | $4,060,000 | $338,333 | $0 | 9.27% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $4,000,000 | $2,000,000 | $0 | 9.56% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $3,900,000 | $390,000 | $0 | 9.60% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 12 | $3,690,000 | $307,500 | $0 | 9.64% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $3,670,000 | $611,667 | $0 | 8.71% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 6 | $3,600,000 | $600,000 | $0 | 9.46% |
| FRESNO, CA (FHA|USDA|VA) | 12 | $3,210,000 | $267,500 | $0 | 9.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $3,000,000 | $750,000 | $0 | 9.44% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $2,820,000 | $1,410,000 | $0 | 8.81% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $2,610,000 | $435,000 | $0 | 9.48% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $2,480,000 | $413,333 | $0 | 9.67% |
| Kapaa, HI (FHA|USDA|VA) | 3 | $2,375,000 | $791,667 | $0 | 8.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 9 | $2,345,000 | $260,556 | $0 | 9.58% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $2,210,000 | $368,333 | $0 | 10.27% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $2,180,000 | $1,090,000 | $0 | 8.94% |
| Outside of Metro Areas | 6 | $1,840,000 | $306,667 | $0 | 9.37% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $1,795,000 | $598,333 | $0 | 9.08% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $0 | 9.39% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $0 | 9.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $0 | 9.30% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $0 | 9.33% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $1,370,000 | $685,000 | $0 | 7.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $0 | 9.04% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $0 | 10.50% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $0 | 10.04% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $0 | 9.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $0 | 9.83% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $0 | 10.37% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $0 | 9.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $0 | 9.04% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $0 | 9.28% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $0 | 9.54% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $0 | 8.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $0 | 10.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $0 | 9.75% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $0 | 9.21% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $0 | 10.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 9.88% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $0 | 10.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 9.88% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 8.56% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $0 | 10.81% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $0 | 9.42% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 6 | $630,000 | $105,000 | $0 | 8.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $0 | 10.17% |
| Outside of Metro Areas | 1 | $545,000 | $545,000 | $0 | 9.50% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 7.50% |
| READING, PA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.50% |
| MADERA, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 10.50% |
| WACO, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 8.38% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 10.44% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 9.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 10.81% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 8.63% |
| Hilo, HI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 8.38% |
| OCALA, FL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 9.00% |
| Forest City, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 10.88% |
| TYLER, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 10.19% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 11.88% |
| El Campo, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 9.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 10.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 11.75% |
| SALEM, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 9.38% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 10.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 9.13% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 10.31% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 8.75% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 8.63% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 10.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.88% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 9.25% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 9.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 8.88% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 10.75% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 8.63% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 10.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 10.88% |
| GADSDEN, AL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 9.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 9.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 11.25% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 9.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 11.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 10.13% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 11.13% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 9.25% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 9.13% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 10.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 10.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.25% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 12.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.50% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.38% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 10.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.38% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.75% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.38% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 10.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.63% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.25% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 552 | $276,760,000 | $501,377 | $0 | 9.47% |
| Reverse Mortgage | 196 | $80,330,000 | $409,847 | $0 | 9.42% |
For 2023, Greenbox Loans's most frequently originated type of loan was Conventional, with 552 originations. Their 2nd most popular type was Reverse Mortgage, with 196 originations.
Loan Reason
For 2023, Greenbox Loans's most frequently cited loan purpose was Home Purchase, with 558 originations. The 2nd most popular reason was Cash Out Refi, with 142 originations.
Loan Duration/Length
For 2023, Greenbox Loans's most frequently cited loan duration was 30 Year, with 414 originations. The 2nd most popular length was Other, with 324 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 677 | $312,755,000 | $461,972 |
| 7-8% | 67 | $41,485,000 | $619,179 |
| 6-7% | 4 | $2,850,000 | $712,500 |
During 2023, Greenbox Loans's average interest rate for loans was 9.39%, while their most frequently originated rate bucket for loans was Over 8%, with 677 originations.
Loan Sizing
2023 saw Greenbox Loans place emphasis on $200k-400k loans with 329 originations, totaling $96,565,000 in origination value.
Applicant Income
Greenbox Loans lent most frequently to those with incomes in the $250k+ range, with 219 originations. The second most popular income band? $150k-250k, with 103 originations.
Applicant Debt to Income Ratio
Greenbox Loans lent most frequently to those with DTI ratios of 20-30%, with 18 originations. The next most common DTI ratio? 30-36%, with 18 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.51%
Greenbox Loans has an average approval rate.
Pick Rate
Approvals leading to origination16.18%
Greenbox Loans 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 | 748 | $357,090,000 | $477,393 |