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, Cash Out Refi, and Refi loans. Greenbox Loans has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Miami, San Francisco, Riverside, and Phoenix among others. We have data for 99 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% | 4/28/24 |
| 30 Year Conventional Refi | 8.82% | 4/28/24 |
| 30 Year Cash-out Refi | 9.07% | 4/28/24 |
| 30 Year FHA Purchase | 6.27% | 4/28/24 |
| 15 Year Conventional Purchase | 5.68% | 4/28/24 |
| 15 Year Conventional Refi | 5.68% | 4/28/24 |
| 15 Year Cash-out Refi | 5.68% | 4/28/24 |
| 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
712Origination Dollar Volume (All Markets)
$367,910,000Top 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) | 187 | $127,045,000 | $679,385 | $11,969 | 4.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 58 | $37,520,000 | $646,897 | $18,684 | 5.92% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 20 | $16,140,000 | $807,000 | $17,550 | 5.11% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 38 | $15,020,000 | $395,263 | $11,441 | 5.44% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 31 | $13,495,000 | $435,323 | $10,440 | 6.09% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 29 | $12,415,000 | $428,103 | $12,542 | 6.35% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 16 | $10,500,000 | $656,250 | $13,708 | 5.41% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 14 | $8,140,000 | $581,429 | $12,386 | 5.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 16 | $7,610,000 | $475,625 | $15,068 | 6.55% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 8 | $7,050,000 | $881,250 | $18,505 | 6.02% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 23 | $6,725,000 | $292,391 | $10,301 | 6.33% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $6,175,000 | $882,143 | $23,417 | 5.84% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 14 | $4,910,000 | $350,714 | $13,267 | 6.74% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 11 | $4,785,000 | $435,000 | $14,872 | 6.63% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $4,765,000 | $529,444 | $14,554 | 6.04% |
| Outside of Metro Areas | 8 | $4,180,000 | $522,500 | $13,890 | 7.28% |
| STOCKTON, CA (FHA|USDA|VA) | 8 | $3,550,000 | $443,750 | $13,663 | 6.31% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $3,505,000 | $3,505,000 | $76,649 | 5.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $3,305,000 | $472,143 | $13,366 | 6.23% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $3,270,000 | $545,000 | $11,179 | 5.19% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $3,180,000 | $1,590,000 | $30,508 | 6.12% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 8 | $3,020,000 | $377,500 | $10,995 | 6.11% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 8 | $2,800,000 | $350,000 | $8,404 | 7.22% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 7 | $2,775,000 | $396,429 | $6,592 | 4.18% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $2,715,000 | $387,857 | $6,169 | 5.98% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 9 | $2,625,000 | $291,667 | $13,502 | 6.01% |
| Key West, FL (FHA|USDA|VA) | 3 | $2,355,000 | $785,000 | $0 | 6.75% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $2,115,000 | $705,000 | $17,047 | 6.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $2,045,000 | $2,045,000 | $73,344 | 5.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $10,382 | 6.84% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $12,584 | 6.66% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 8 | $1,720,000 | $215,000 | $0 | 4.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $1,695,000 | $1,695,000 | $0 | 4.88% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $9,743 | 6.98% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $1,570,000 | $196,250 | $8,438 | 6.31% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 8 | $1,490,000 | $186,250 | $9,015 | 7.39% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $8,185 | 6.83% |
| MERCED, CA (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $12,334 | 7.31% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $11,774 | 6.41% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $16,263 | 6.21% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $19,566 | 6.75% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $10,413 | 6.88% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $10,296 | 7.18% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $0 | 5.72% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $9,815 | 7.38% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 6.88% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $14,758 | 7.19% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $33,864 | 6.00% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $0 | 6.75% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $9,131 | 7.41% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $14,502 | 6.19% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $11,225 | 6.38% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,432 | 5.31% |
| RENO, NV (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,575 | 6.62% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $11,312 | 6.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 6.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $9,571 | 7.31% |
| SALEM, OR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $12,396 | 6.56% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $13,857 | 5.99% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,537 | 7.62% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $11,729 | 6.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $11,647 | 7.06% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $10,914 | 8.06% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $19,540 | 7.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,092 | 7.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $16,105 | 5.99% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,252 | 6.38% |
| REDDING, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $16,525 | 5.75% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 6.00% |
| MADERA, CA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,337 | 6.49% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $15,195 | 7.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $13,622 | 7.75% |
| Shelton, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,286 | 5.63% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,303 | 5.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,745 | 7.38% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,854 | 5.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,270 | 6.25% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,999 | 4.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,783 | 6.38% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,486 | 6.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,156 | 3.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.00% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,207 | 6.38% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,099 | 5.75% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,161 | 7.25% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,012 | 7.13% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,853 | 6.88% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,311 | 6.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,546 | 8.50% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,490 | 6.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,795 | 5.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.99% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.50% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,706 | 7.99% |
| CHICO, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,918 | 3.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,356 | 8.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.25% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,693 | 2.38% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 712 | $367,910,000 | $516,728 | $12,852 | 5.80% |
For 2020, Greenbox Loans's most frequently originated type of loan was Conventional, with 712 originations.
Loan Reason
For 2020, Greenbox Loans's most frequently cited loan purpose was Home Purchase, with 408 originations. The 2nd most popular reason was Cash Out Refi, with 163 originations.
Loan Duration/Length
For 2020, Greenbox Loans's most frequently cited loan duration was 30 Year, with 684 originations. The 2nd most popular length was 30+ year, with 17 originations.
Origination Fees/Closing Costs
Greenbox Loans's average total fees were $12,914, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 439 originations.
Interest Rates
During 2020, Greenbox Loans's average interest rate for loans was 5.82%, while their most frequently originated rate bucket for loans was 6-7%, with 210 originations.
Loan Sizing
2020 saw Greenbox Loans place emphasis on $200k-400k loans with 264 originations, totaling $74,230,000 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? $150k-250k, with 122 originations.
Applicant Debt to Income Ratio
Greenbox Loans lent most frequently to those with DTI ratios of 20-30%, with 35 originations. The next most common DTI ratio? 30-36%, with 28 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.43%
Greenbox Loans has an average approval rate.
Pick Rate
Approvals leading to origination6.04%
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 | 712 | $367,910,000 | $516,728 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 712 | $367,910,000 | $516,728 |