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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, San Francisco, San Jose, Houston, and Phoenix among others. We have data for 103 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% | 12/30/24 |
| 30 Year Conventional Refi | 8.82% | 12/30/24 |
| 30 Year Cash-out Refi | 9.07% | 12/30/24 |
| 30 Year FHA Purchase | 6.27% | 12/30/24 |
| 15 Year Conventional Purchase | 5.68% | 12/30/24 |
| 15 Year Conventional Refi | 5.68% | 12/30/24 |
| 15 Year Cash-out Refi | 5.68% | 12/30/24 |
| 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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This is not an official calculator from Greenbox Loans. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
861Origination Dollar Volume (All Markets)
$393,825,000Top 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) | 158 | $102,340,000 | $647,722 | $13,980 | 6.06% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 53 | $38,085,000 | $718,585 | $15,663 | 6.63% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 20 | $15,470,000 | $773,500 | $18,510 | 6.46% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 31 | $15,295,000 | $493,387 | $12,296 | 7.47% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 27 | $13,605,000 | $503,889 | $13,172 | 6.98% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 36 | $13,190,000 | $366,389 | $15,225 | 7.11% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 41 | $11,915,000 | $290,610 | $11,111 | 7.59% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 20 | $11,330,000 | $566,500 | $15,664 | 6.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 41 | $11,145,000 | $271,829 | $9,638 | 6.83% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 20 | $11,040,000 | $552,000 | $15,162 | 7.50% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 13 | $8,665,000 | $666,538 | $16,047 | 6.42% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 16 | $8,610,000 | $538,125 | $11,962 | 7.41% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 14 | $8,520,000 | $608,571 | $16,363 | 6.91% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 35 | $7,915,000 | $226,143 | $9,376 | 6.60% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 23 | $6,885,000 | $299,348 | $9,951 | 7.49% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 16 | $6,450,000 | $403,125 | $14,244 | 7.37% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 24 | $6,050,000 | $252,083 | $10,196 | 7.09% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 23 | $5,695,000 | $247,609 | $8,872 | 7.67% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $5,330,000 | $1,332,500 | $6,664 | 5.56% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $5,010,000 | $501,000 | $16,707 | 7.71% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $4,680,000 | $2,340,000 | $124,364 | 7.81% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 9 | $4,615,000 | $512,778 | $14,193 | 6.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 14 | $4,260,000 | $304,286 | $8,804 | 7.18% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 12 | $4,030,000 | $335,833 | $10,167 | 7.26% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $2,985,000 | $597,000 | $19,878 | 6.55% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $2,965,000 | $423,571 | $12,304 | 6.91% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $2,860,000 | $286,000 | $12,287 | 7.07% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $2,725,000 | $545,000 | $13,725 | 7.63% |
| STOCKTON, CA (FHA|USDA|VA) | 11 | $2,595,000 | $235,909 | $10,721 | 7.19% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 9 | $2,475,000 | $275,000 | $9,757 | 7.33% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 9 | $2,385,000 | $265,000 | $10,550 | 7.68% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $2,190,000 | $1,095,000 | $0 | 6.93% |
| MODESTO, CA (FHA|USDA|VA) | 8 | $1,980,000 | $247,500 | $9,380 | 8.06% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 10 | $1,760,000 | $176,000 | $8,286 | 7.41% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 5 | $1,605,000 | $321,000 | $11,547 | 7.37% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $1,520,000 | $760,000 | $20,433 | 6.94% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $1,330,000 | $665,000 | $14,974 | 5.99% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $10,054 | 7.40% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $14,608 | 7.50% |
| BEND, OR (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $18,435 | 6.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $13,098 | 6.38% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $11,653 | 7.19% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $1,075,000 | $1,075,000 | $0 | 7.50% |
| CHICO, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $11,481 | 6.06% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $0 | 5.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $0 | 6.63% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $10,157 | 7.58% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $9,585 | 6.87% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $7,629 | 7.81% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $9,287 | 7.72% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $8,159 | 8.06% |
| SALEM, OR (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $8,351 | 7.67% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $15,800 | 8.38% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $5,385 | 7.69% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $11,044 | 5.62% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $22,024 | 6.63% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $8,032 | 7.79% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,173 | 7.44% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $9,708 | 7.63% |
| MADERA, CA (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $7,081 | 7.16% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $15,810 | 7.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $9,407 | 8.04% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $12,659 | 6.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 7.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $12,513 | 7.87% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,090 | 6.31% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,998 | 7.88% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $5,993 | 8.13% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $10,737 | 6.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $17,083 | 5.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,760 | 7.19% |
| Astoria, OR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,426 | 5.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,564 | 7.81% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,277 | 8.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,824 | 8.13% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $8,201 | 6.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,025 | 9.13% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,046 | 7.63% |
| TULSA, OK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,127 | 6.63% |
| MERCED, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,992 | 8.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,568 | 7.13% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,987 | 8.18% |
| RENO, NV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,852 | 8.38% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,606 | 9.13% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,263 | 7.99% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,430 | 7.75% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,732 | 7.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,322 | 7.75% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.50% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,445 | 5.75% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.88% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,918 | 5.63% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,563 | 8.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,383 | 5.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,819 | 5.99% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,738 | 7.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,868 | 7.50% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,095 | 6.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,649 | 9.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,488 | 7.75% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,224 | 8.25% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,478 | 6.88% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 858 | $393,060,000 | $458,112 | $12,765 | 6.94% |
| FHA | 3 | $765,000 | $255,000 | $9,804 | 4.63% |
For 2019, Greenbox Loans's most frequently originated type of loan was Conventional, with 858 originations. Their 2nd most popular type was FHA, with 3 originations.
Loan Reason
For 2019, Greenbox Loans's most frequently cited loan purpose was Home Purchase, with 468 originations. The 2nd most popular reason was Cash Out Refi, with 303 originations.
Loan Duration/Length
For 2019, Greenbox Loans's most frequently cited loan duration was 30 Year, with 804 originations. The 2nd most popular length was 30+ year, with 39 originations.
Origination Fees/Closing Costs
Greenbox Loans's average total fees were $12,643, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 598 originations.
Interest Rates
During 2019, Greenbox Loans's average interest rate for loans was 6.92%, while their most frequently originated rate bucket for loans was 7-8%, with 258 originations.
Loan Sizing
2019 saw Greenbox Loans place emphasis on $200k-400k loans with 323 originations, totaling $90,445,000 in origination value.
Applicant Income
Greenbox Loans lent most frequently to those with incomes in the $50k or less range, with 194 originations. The second most popular income band? $250k+, with 169 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.66%
Greenbox Loans has an average approval rate.
Pick Rate
Approvals leading to origination-50.41%
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 | 7 | $2,155,000 | $307,857 |
| 10545.5 | 1 | $655,000 | $655,000 |
| 1106.33 | 1 | $455,000 | $455,000 |
| 1470.0 | 1 | $155,000 | $155,000 |
| 1490.0 | 1 | $155,000 | $155,000 |
| 1690.0 | 1 | $175,000 | $175,000 |
| 1790.0 | 106 | $53,230,000 | $502,170 |
| 1792.0 | 1 | $315,000 | $315,000 |
| 1794.0 | 1 | $245,000 | $245,000 |
| 1829.95 | 1 | $285,000 | $285,000 |
| 1880.0 | 1 | $345,000 | $345,000 |
| 1915.0 | 1 | $165,000 | $165,000 |
| 2090.0 | 1 | $165,000 | $165,000 |
| 2140.0 | 1 | $265,000 | $265,000 |
| 2185.0 | 1 | $275,000 | $275,000 |
| 2240.0 | 1 | $155,000 | $155,000 |
| 2290.0 | 5 | $2,565,000 | $513,000 |
| 2390.0 | 1 | $255,000 | $255,000 |
| 2540.0 | 1 | $125,000 | $125,000 |
| 270.0 | 1 | $205,000 | $205,000 |
| 2790.0 | 2 | $930,000 | $465,000 |
| 2970.0 | 1 | $435,000 | $435,000 |
| 3024.33 | 1 | $475,000 | $475,000 |
| 3251.38 | 1 | $3,255,000 | $3,255,000 |
| 7737.9 | 1 | $875,000 | $875,000 |
| 890.0 | 1 | $205,000 | $205,000 |
| 990.0 | 10 | $4,180,000 | $418,000 |
| NA | 709 | $321,125,000 | $452,927 |