Greenbox Loans Mortgage Rates, Fees & Info

Los Angeles, CA

LEI: 549300TMY3OACQC9U777

Tax ID: 95-4830207

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 9.48% 3/24/24
30 Year Conventional Refi 8.82% 3/24/24
30 Year Cash-out Refi 9.07% 3/24/24
30 Year FHA Purchase 6.27% 3/24/24
15 Year Conventional Purchase 5.68% 3/24/24
15 Year Conventional Refi 5.68% 3/24/24
15 Year Cash-out Refi 5.68% 3/24/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Greenbox Loans. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

861

Origination Dollar Volume (All Markets)

$393,825,000

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) 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%
Greenbox Loans's top markets include Los Angeles, San Francisco, San Jose, Houston, and Phoenix among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
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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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 468 $181,950,000 $388,782 $11,914 7.13%
    Cash Out Refi 303 $153,435,000 $506,386 $13,539 6.92%
    Refi 90 $58,440,000 $649,333 $14,888 5.92%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 804 $356,810,000 $443,794 $12,643 6.92%
    30+ year 39 $32,355,000 $829,615 $18,116 6.67%
    20 Year 17 $3,955,000 $232,647 $8,760 8.43%
    15 Year 1 $705,000 $705,000 $13,427 3.38%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 598 $283,300,000 $473,746
    $4k-5k 37 $6,365,000 $172,027
    $<1k 28 $14,140,000 $505,000
    $1k-2k 19 $9,315,000 $490,263
    $3k-4k 18 $4,180,000 $232,222
    $2k-3k 6 $2,660,000 $443,333

    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

    Loan Rate Originations Total Value Average Loan
    7-8% 258 $96,030,000 $372,209
    6-7% 217 $105,895,000 $487,995
    Over 8% 163 $46,335,000 $284,264
    5-6% 144 $90,890,000 $631,181
    4-5% 61 $46,245,000 $758,115
    3-4% 18 $8,430,000 $468,333

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 323 $90,445,000 $280,015 $10,107 7.11%
    $100k-200k 220 $35,310,000 $160,500 $7,527 7.47%
    $400k-600k 154 $74,590,000 $484,351 $13,587 6.53%
    $600k-1MM 91 $71,565,000 $786,429 $18,064 6.32%
    $1MM+ 72 $121,820,000 $1,691,944 $32,445 6.09%
    $100,000 or less 1 $95,000 $95,000 $0 6.50%

    2019 saw Greenbox Loans place emphasis on $200k-400k loans with 323 originations, totaling $90,445,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 194 $68,560,000 $353,402 $9,783 7.41%
    $250k+ 169 $156,085,000 $923,580 $21,297 6.33%
    $100k-150k 151 $54,265,000 $359,371 $11,088 6.75%
    $50k-75k 149 $32,485,000 $218,020 $8,344 7.35%
    $150k-250k 110 $50,580,000 $459,818 $12,600 6.64%
    $75k-100k 87 $26,975,000 $310,057 $10,728 6.98%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 584 $262,620,000 $449,692 $12,280 6.88%
    Not provided 128 $58,360,000 $455,938 $14,135 7.09%
    Asian 72 $41,430,000 $575,417 $13,934 6.71%
    Black 67 $27,925,000 $416,791 $13,607 7.27%
    American Indian 6 $2,420,000 $403,333 $12,168 7.35%
    Native Hawaiian or Islander 2 $600,000 $300,000 $9,289 7.25%
    Other Asian 2 $470,000 $235,000 $13,349 7.25%

    Approval Rates

    Total approvals of all applications
    88.66%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 861 $393,825,000 $457,404