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, San Francisco, Miami, San Jose, and Riverside among others. We have data for 107 markets. (Some data included below & more in-depth data is available with an active subscription.)Greenbox Loans 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. Greenbox Loans is typically a high 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 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
871Origination Dollar Volume (All Markets)
$425,625,000Top 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) | 193 | $136,395,000 | $706,710 | $19,390 | 6.51% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 63 | $50,895,000 | $807,857 | $18,415 | 6.57% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 61 | $26,345,000 | $431,885 | $20,976 | 7.04% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 20 | $18,280,000 | $914,000 | $19,691 | 6.34% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 44 | $15,300,000 | $347,727 | $12,100 | 7.16% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 15 | $10,465,000 | $697,667 | $14,657 | 6.43% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 23 | $9,495,000 | $412,826 | $10,930 | 6.71% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 21 | $8,545,000 | $406,905 | $13,830 | 7.23% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 23 | $8,535,000 | $371,087 | $12,657 | 7.26% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 26 | $7,970,000 | $306,538 | $10,781 | 7.29% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 20 | $7,480,000 | $374,000 | $13,308 | 7.36% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 14 | $7,400,000 | $528,571 | $10,672 | 6.65% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 35 | $7,245,000 | $207,000 | $48,794 | 6.95% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 19 | $6,775,000 | $356,579 | $12,637 | 7.39% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 19 | $6,615,000 | $348,158 | $13,022 | 7.32% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 14 | $5,330,000 | $380,714 | $9,914 | 7.18% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 24 | $5,080,000 | $211,667 | $8,873 | 7.07% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 13 | $5,065,000 | $389,615 | $12,607 | 6.74% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 13 | $4,755,000 | $365,769 | $12,075 | 7.11% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $4,350,000 | $543,750 | $15,181 | 6.48% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $4,105,000 | $315,769 | $13,953 | 7.56% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 12 | $4,090,000 | $340,833 | $14,035 | 6.78% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $3,345,000 | $669,000 | $7,540 | 7.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $2,885,000 | $412,143 | $13,813 | 6.59% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 10 | $2,790,000 | $279,000 | $11,356 | 7.41% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $2,580,000 | $430,000 | $14,653 | 6.56% |
| Outside of Metro Areas | 7 | $2,525,000 | $360,714 | $12,742 | 7.38% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $2,390,000 | $1,195,000 | $13,912 | 6.31% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $11,624 | 7.55% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $2,025,000 | $405,000 | $15,792 | 6.30% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $10,433 | 7.46% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $10,103 | 5.50% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $19,655 | 5.99% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $14,372 | 6.42% |
| NAPA, CA (FHA|USDA|VA) | 1 | $1,465,000 | $1,465,000 | $19,496 | 5.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $11,437 | 7.55% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $0 | 7.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $1,305,000 | $1,305,000 | $32,610 | 5.75% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $1,275,000 | $1,275,000 | $0 | 7.25% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $11,689 | 7.29% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $1,175,000 | $1,175,000 | $32,817 | 5.88% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $12,618 | 7.50% |
| Torrington, CT (FHA|USDA|VA) | 1 | $1,145,000 | $1,145,000 | $28,125 | 6.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $17,341 | 7.17% |
| MODESTO, CA (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $8,671 | 7.31% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $10,586 | 7.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $8,345 | 6.13% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $13,064 | 7.83% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $13,682 | 6.44% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $31,151 | 4.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $18,526 | 7.50% |
| BEND, OR (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $12,698 | 6.00% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $10,266 | 7.31% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $10,125 | 7.42% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 8.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $11,949 | 6.31% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $22,679 | 6.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,998 | 7.56% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $11,398 | 5.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,743 | 6.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 6.88% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,828 | 6.94% |
| MADERA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $13,477 | 6.50% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $8,965 | 7.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $7,300 | 6.67% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $16,036 | 6.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,121 | 7.19% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,695 | 7.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,310 | 5.31% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $13,206 | 6.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,425 | 7.38% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.38% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,581 | 7.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $9,208 | 7.38% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,538 | 7.25% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $8,028 | 8.38% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,405 | 8.50% |
| Payson, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,621 | 7.00% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,584 | 5.99% |
| OCALA, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,846 | 8.38% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,783 | 7.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,378 | 6.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,289 | 6.38% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,291 | 6.00% |
| Holland, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 6.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,173 | 5.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,202 | 7.13% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.63% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,450 | 7.63% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,988 | 6.13% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.13% |
| MERCED, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,517 | 7.50% |
| SALEM, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,359 | 9.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,076 | 7.50% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,313 | 7.25% |
| CHICO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,380 | 5.25% |
| TULSA, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,688 | 8.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 7.38% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.00% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,644 | 9.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,752 | 7.38% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,915 | 7.13% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,352 | 5.70% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,332 | 7.00% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,569 | 5.90% |
Similar Lenders
We use machine learning to identify the top lenders compared against Greenbox Loans based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 871 | $425,625,000 | $488,662 | $15,897 | 6.88% |
For 2018, Greenbox Loans's most frequently originated type of loan was Conventional, with 871 originations.
Loan Reason
For 2018, Greenbox Loans's most frequently cited loan purpose was Home Purchase, with 433 originations. The 2nd most popular reason was Cash Out Refi, with 329 originations.
Loan Duration/Length
For 2018, Greenbox Loans's most frequently cited loan duration was 30 Year, with 808 originations. The 2nd most popular length was 30+ year, with 61 originations.
Origination Fees/Closing Costs
Greenbox Loans's average total fees were $15,640, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 479 originations.
Interest Rates
During 2018, Greenbox Loans's average interest rate for loans was 6.87%, while their most frequently originated rate bucket for loans was 7-8%, with 287 originations.
Loan Sizing
2018 saw Greenbox Loans place emphasis on $200k-400k loans with 316 originations, totaling $91,390,000 in origination value.
Applicant Income
Greenbox Loans lent most frequently to those with incomes in the $250k+ range, with 182 originations. The second most popular income band? $50k or less, with 176 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| >60% | 2 | $920,000 | $460,000 | $11,246 | 5.19% |
Greenbox Loans lent most frequently to those with DTI ratios of >60%, with 2 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.22%
Greenbox Loans has an average approval rate.
Pick Rate
Approvals leading to origination-14.70%
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 |
|---|---|---|---|
| 0.0 | 4 | $750,000 | $187,500 |
| 1000.0 | 1 | $1,495,000 | $1,495,000 |
| 10545.5 | 1 | $655,000 | $655,000 |
| 1340.0 | 2 | $780,000 | $390,000 |
| 1485.0 | 1 | $405,000 | $405,000 |
| 1490.0 | 1 | $115,000 | $115,000 |
| 1790.0 | 84 | $35,020,000 | $416,905 |
| 18.0 | 1 | $185,000 | $185,000 |
| 1808.0 | 1 | $155,000 | $155,000 |
| 1840.0 | 1 | $285,000 | $285,000 |
| 18490.0 | 1 | $875,000 | $875,000 |
| 1860.0 | 1 | $235,000 | $235,000 |
| 1904.46 | 1 | $135,000 | $135,000 |
| 1915.0 | 1 | $135,000 | $135,000 |
| 2066.0 | 1 | $365,000 | $365,000 |
| 2070.0 | 1 | $185,000 | $185,000 |
| 2090.0 | 1 | $245,000 | $245,000 |
| 2140.0 | 1 | $305,000 | $305,000 |
| 2290.0 | 8 | $4,610,000 | $576,250 |
| 2485.0 | 1 | $505,000 | $505,000 |
| 2540.0 | 1 | $125,000 | $125,000 |
| 2585.0 | 1 | $355,000 | $355,000 |
| 2685.0 | 1 | $105,000 | $105,000 |
| 2690.0 | 1 | $235,000 | $235,000 |
| 5241.84 | 1 | $115,000 | $115,000 |
| 790.0 | 1 | $525,000 | $525,000 |
| 845.0 | 1 | $225,000 | $225,000 |
| 990.0 | 15 | $11,405,000 | $760,333 |
| 995.0 | 1 | $175,000 | $175,000 |
| NA | 734 | $364,920,000 | $497,166 |