Greenbox Loans Mortgage Rates, Fees & Info

Los Angeles, CA

LEI: 549300TMY3OACQC9U777

Tax ID: 95-4830207

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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, Riverside, Houston, and San Francisco among others. We have data for 141 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. 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%	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

Purchase Price:

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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

1,064

Origination Dollar Volume (All Markets)

$563,470,000

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)	197	$183,855,000	$933,274	$21,746	6.50%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	84	$43,030,000	$512,262	$19,087	7.78%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	83	$42,695,000	$514,398	$16,734	7.39%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	60	$22,220,000	$370,333	$14,007	7.69%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	23	$18,455,000	$802,391	$21,272	6.82%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	36	$18,110,000	$503,056	$13,822	7.62%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	39	$16,455,000	$421,923	$15,057	7.82%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	32	$13,260,000	$414,375	$15,575	7.65%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	21	$12,265,000	$584,048	$18,030	6.98%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	29	$10,215,000	$352,241	$15,306	8.19%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	28	$10,210,000	$364,643	$13,370	8.57%
BAKERSFIELD, CA (FHA\|USDA\|VA)	32	$9,940,000	$310,625	$14,278	7.75%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	10	$7,790,000	$779,000	$20,292	7.99%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	18	$7,290,000	$405,000	$14,110	7.94%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	17	$7,255,000	$426,765	$16,947	7.97%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	26	$6,870,000	$264,231	$12,690	7.72%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	10	$6,610,000	$661,000	$14,861	7.81%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	14	$6,580,000	$470,000	$12,562	8.24%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	7	$5,815,000	$830,714	$24,021	6.57%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	9	$5,725,000	$636,111	$24,013	7.74%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	21	$5,575,000	$265,476	$15,359	7.96%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	3	$4,065,000	$1,355,000	$34,725	9.12%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	9	$3,855,000	$428,333	$13,939	8.00%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	10	$3,820,000	$382,000	$12,153	7.52%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	6	$3,080,000	$513,333	$15,440	8.08%
Outside of Metro Areas	8	$2,910,000	$363,750	$15,487	8.66%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	7	$2,735,000	$390,714	$15,581	7.84%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	5	$2,655,000	$531,000	$15,254	7.58%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	7	$2,475,000	$353,571	$17,489	6.86%
Fredericksburg, TX (FHA\|USDA\|VA)	1	$2,455,000	$2,455,000	$51,315	4.88%
Key West, FL (FHA\|USDA\|VA)	2	$2,360,000	$1,180,000	$11,545	9.06%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	2	$2,260,000	$1,130,000	$23,744	7.25%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	7	$2,155,000	$307,857	$15,086	7.87%
STOCKTON, CA (FHA\|USDA\|VA)	5	$2,115,000	$423,000	$12,760	6.55%
VISALIA, CA (FHA\|USDA\|VA)	7	$2,075,000	$296,429	$12,262	7.48%
RENO, NV (FHA\|USDA\|VA)	2	$1,920,000	$960,000	$9,961	6.19%
MODESTO, CA (FHA\|USDA\|VA)	7	$1,915,000	$273,571	$11,734	8.95%
VALLEJO, CA (FHA\|USDA\|VA)	5	$1,905,000	$381,000	$17,190	7.02%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	4	$1,890,000	$472,500	$16,723	8.47%
Ellensburg, WA (FHA\|USDA\|VA)	2	$1,770,000	$885,000	$34,293	9.62%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	4	$1,580,000	$395,000	$4,275	7.97%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	5	$1,455,000	$291,000	$14,875	9.08%
BOISE CITY, ID (FHA\|USDA\|VA)	2	$1,430,000	$715,000	$12,084	8.50%
GREELEY, CO (FHA\|USDA\|VA)	4	$1,350,000	$337,500	$14,109	9.22%
MERCED, CA (FHA\|USDA\|VA)	4	$1,330,000	$332,500	$14,678	7.75%
FRESNO, CA (FHA\|USDA\|VA)	4	$1,310,000	$327,500	$13,018	8.63%
NEW HAVEN-MILFORD, CT (FHA\|USDA\|VA)	6	$1,270,000	$211,667	$10,852	9.60%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	4	$1,260,000	$315,000	$14,705	7.75%
YAKIMA, WA (FHA\|USDA\|VA)	6	$1,210,000	$201,667	$8,741	7.83%
WORCESTER, MA-CT (FHA\|USDA\|VA)	3	$1,135,000	$378,333	$0	8.71%
Breckenridge, CO (FHA\|USDA\|VA)	1	$1,135,000	$1,135,000	$27,028	5.50%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	5	$1,115,000	$223,000	$10,311	6.93%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	4	$1,100,000	$275,000	$12,268	7.13%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	1	$1,045,000	$1,045,000	$53,497	6.50%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	2	$1,010,000	$505,000	$0	7.63%
Ukiah, CA (FHA\|USDA\|VA)	2	$960,000	$480,000	$19,521	9.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	4	$910,000	$227,500	$9,631	8.38%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	3	$855,000	$285,000	$11,901	6.50%
MADERA, CA (FHA\|USDA\|VA)	3	$825,000	$275,000	$11,370	5.87%
CHICO, CA (FHA\|USDA\|VA)	1	$805,000	$805,000	$21,014	9.75%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	3	$795,000	$265,000	$13,529	7.71%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	2	$780,000	$390,000	$15,694	7.25%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	3	$755,000	$251,667	$11,773	5.17%
WENATCHEE, WA (FHA\|USDA\|VA)	2	$730,000	$365,000	$11,835	6.31%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	2	$730,000	$365,000	$0	11.00%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$725,000	$725,000	$0	5.99%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	2	$710,000	$355,000	$8,571	9.06%
Durango, CO (FHA\|USDA\|VA)	1	$685,000	$685,000	$0	4.13%
Cullowhee, NC (FHA\|USDA\|VA)	1	$675,000	$675,000	$18,880	6.88%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	1	$675,000	$675,000	$17,503	6.25%
Sevierville, TN (FHA\|USDA\|VA)	2	$670,000	$335,000	$0	7.00%
EL CENTRO, CA (FHA\|USDA\|VA)	2	$650,000	$325,000	$12,960	7.75%
WACO, TX (FHA\|USDA\|VA)	2	$640,000	$320,000	$16,379	9.00%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	1	$635,000	$635,000	$6,968	4.50%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$635,000	$635,000	$17,386	9.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	2	$610,000	$305,000	$13,035	7.94%
SALINAS, CA (FHA\|USDA\|VA)	2	$590,000	$295,000	$13,669	8.75%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	1	$555,000	$555,000	$0	10.25%
Holland, MI (FHA\|USDA\|VA)	1	$555,000	$555,000	$0	9.38%
Eureka-Arcata, CA (FHA\|USDA\|VA)	1	$545,000	$545,000	$17,999	6.00%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	1	$535,000	$535,000	$0	7.63%
AMARILLO, TX (FHA\|USDA\|VA)	1	$525,000	$525,000	$23,299	9.00%
Opelousas, LA (FHA\|USDA\|VA)	1	$505,000	$505,000	$13,286	5.38%
NAPA, CA (FHA\|USDA\|VA)	1	$475,000	$475,000	$0	8.00%
Newport, OR (FHA\|USDA\|VA)	1	$475,000	$475,000	$12,687	3.50%
SPARTANBURG, SC (FHA\|USDA\|VA)	1	$475,000	$475,000	$5,868	7.38%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	3	$465,000	$155,000	$2,892	8.92%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	1	$455,000	$455,000	$0	9.13%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	2	$440,000	$220,000	$11,202	6.88%
CARSON CITY, NV (FHA\|USDA\|VA)	2	$430,000	$215,000	$9,278	7.12%
Moses Lake, WA (FHA\|USDA\|VA)	1	$415,000	$415,000	$0	8.38%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	2	$410,000	$205,000	$0	9.13%
URBAN HONOLULU, HI (FHA\|USDA\|VA)	1	$405,000	$405,000	$0	8.63%
LONGVIEW, WA (FHA\|USDA\|VA)	1	$385,000	$385,000	$13,734	9.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	1	$375,000	$375,000	$14,384	8.50%
Helena, MT (FHA\|USDA\|VA)	1	$375,000	$375,000	$0	6.25%
EL PASO, TX (FHA\|USDA\|VA)	2	$370,000	$185,000	$11,639	8.81%
SALISBURY, MD-DE (FHA\|USDA\|VA)	1	$365,000	$365,000	$12,137	7.00%
MIDLAND, TX (FHA\|USDA\|VA)	1	$365,000	$365,000	$0	8.88%
SAVANNAH, GA (FHA\|USDA\|VA)	2	$360,000	$180,000	$8,309	5.37%
BELLINGHAM, WA (FHA\|USDA\|VA)	1	$355,000	$355,000	$0	9.63%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	1	$355,000	$355,000	$10,315	9.88%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	1	$345,000	$345,000	$11,909	5.25%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$345,000	$345,000	$18,019	10.00%
Fernley, NV (FHA\|USDA\|VA)	1	$345,000	$345,000	$14,064	8.25%
El Campo, TX (FHA\|USDA\|VA)	1	$335,000	$335,000	$0	9.25%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$335,000	$335,000	$0	6.38%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	1	$325,000	$325,000	$12,597	8.50%
Bay City, TX (FHA\|USDA\|VA)	1	$295,000	$295,000	$0	7.75%
ALBANY-LEBANON, OR (FHA\|USDA\|VA)	1	$295,000	$295,000	$8,943	5.88%
TUCSON, AZ (FHA\|USDA\|VA)	1	$295,000	$295,000	$13,306	8.50%
JOHNSON CITY, TN (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	9.75%
PITTSBURGH, PA (FHA\|USDA\|VA)	1	$275,000	$275,000	$12,488	7.75%
SPRINGFIELD, MA (FHA\|USDA\|VA)	1	$265,000	$265,000	$10,595	8.63%
ROCKFORD, IL (FHA\|USDA\|VA)	1	$265,000	$265,000	$7,468	6.13%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	1	$265,000	$265,000	$11,952	8.50%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	1	$255,000	$255,000	$10,869	8.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$255,000	$255,000	$11,629	6.25%
YUBA CITY, CA (FHA\|USDA\|VA)	1	$255,000	$255,000	$11,636	5.63%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	8.25%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$245,000	$245,000	$10,241	6.63%
SALEM, OR (FHA\|USDA\|VA)	1	$235,000	$235,000	$10,200	6.38%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	11.50%
TYLER, TX (FHA\|USDA\|VA)	1	$215,000	$215,000	$14,576	11.38%
Othello, WA (FHA\|USDA\|VA)	1	$215,000	$215,000	$10,207	5.63%
TWIN FALLS, ID (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	4.25%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	8.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	1	$195,000	$195,000	$8,974	9.00%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$185,000	$185,000	$9,359	6.25%
Bainbridge, GA (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	10.88%
COLUMBIA, SC (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	7.50%
Mineral Wells, TX (FHA\|USDA\|VA)	1	$165,000	$165,000	$9,853	8.63%
OCALA, FL (FHA\|USDA\|VA)	1	$165,000	$165,000	$7,646	4.38%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	1	$155,000	$155,000	$7,187	9.13%
DOVER, DE (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	8.38%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	7.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$155,000	$155,000	$8,212	6.88%
THE VILLAGES, FL (FHA\|USDA\|VA)	1	$155,000	$155,000	$8,686	8.50%
JACKSONVILLE, FL (FHA\|USDA\|VA)	1	$155,000	$155,000	$8,090	10.38%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	1	$135,000	$135,000	$7,824	9.50%
RICHMOND, VA (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	6.75%

Greenbox Loans's top markets include Los Angeles, Miami, Riverside, Houston, and San Francisco among others.

Their top states include:

California (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Arizona (FHA|USDA|VA)

Nevada (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,064	$563,470,000	$529,577	$16,767	7.52%

For 2022, Greenbox Loans's most frequently originated type of loan was Conventional, with 1,064 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	739	$370,675,000	$501,590	$16,555	7.66%
Cash Out Refi	237	$142,775,000	$602,426	$17,827	7.26%
Refi	88	$50,020,000	$568,409	$16,222	7.08%

For 2022, Greenbox Loans's most frequently cited loan purpose was Home Purchase, with 739 originations. The 2nd most popular reason was Cash Out Refi, with 237 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,044	$545,100,000	$522,126	$16,658	7.52%
30+ year	19	$18,325,000	$964,474	$23,179	7.63%
5 Year	1	$45,000	$45,000	$2,892	10.50%

For 2022, Greenbox Loans's most frequently cited loan duration was 30 Year, with 1,044 originations. The 2nd most popular length was 30+ year, with 19 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$5k+	723	$407,965,000	$564,267
$4k-5k	25	$6,445,000	$257,800
$1k-2k	9	$3,085,000	$342,778
$3k-4k	7	$4,595,000	$656,429
$<1k	6	$4,650,000	$775,000
$2k-3k	4	$3,700,000	$925,000

Greenbox Loans's average total fees were $16,658, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 723 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
Over 8%	470	$213,950,000	$455,213
7-8%	167	$90,175,000	$539,970
6-7%	148	$71,770,000	$484,932
5-6%	136	$82,220,000	$604,559
4-5%	105	$76,555,000	$729,095
3-4%	37	$28,795,000	$778,243
<2.5%	1	$5,000	$5,000

During 2022, Greenbox Loans's average interest rate for loans was 7.52%, while their most frequently originated rate bucket for loans was Over 8%, with 470 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	439	$130,215,000	$296,617	$12,846	7.84%
$400k-600k	219	$106,605,000	$486,781	$16,535	7.63%
$600k-1MM	142	$106,980,000	$753,380	$19,541	6.64%
$100k-200k	138	$23,570,000	$170,797	$8,928	7.91%
$1MM+	124	$196,050,000	$1,581,048	$33,987	6.83%
$100,000 or less	2	$50,000	$25,000	$1,446	5.25%

2022 saw Greenbox Loans place emphasis on $200k-400k loans with 439 originations, totaling $130,215,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$250k+	291	$267,545,000	$919,399	$23,490	7.36%
$150k-250k	179	$88,445,000	$494,106	$16,110	7.32%
$100k-150k	126	$45,630,000	$362,143	$13,953	7.72%
$75k-100k	103	$30,085,000	$292,087	$12,056	7.47%
$50k-75k	86	$20,240,000	$235,349	$11,033	7.61%
$50k or less	25	$5,625,000	$225,000	$8,929	7.60%

Greenbox Loans lent most frequently to those with incomes in the $250k+ range, with 291 originations. The second most popular income band? $150k-250k, with 179 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	6	$2,570,000	$428,333	$11,634	7.75%
<20%	6	$2,440,000	$406,667	$16,937	7.08%
44%	2	$1,170,000	$585,000	$13,802	4.94%
45%	2	$470,000	$235,000	$12,754	8.44%
46%	2	$1,310,000	$655,000	$11,805	5.75%
47%	2	$630,000	$315,000	$15,722	9.63%
42%	1	$385,000	$385,000	$14,765	8.50%
48%	1	$405,000	$405,000	$15,838	8.00%
>60%	1	$175,000	$175,000	$13,932	10.25%
20-30%	1	$635,000	$635,000	$6,968	4.50%
38%	1	$405,000	$405,000	$14,849	3.50%
39%	1	$1,805,000	$1,805,000	$34,820	4.13%
40%	1	$1,505,000	$1,505,000	$27,393	3.50%
41%	1	$245,000	$245,000	$13,407	6.88%

Greenbox Loans lent most frequently to those with DTI ratios of 30-36%, with 6 originations. The next most common DTI ratio? <20%, with 6 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	677	$354,635,000	$523,833	$16,747	7.56%
Not provided	217	$111,225,000	$512,558	$16,989	7.61%
Asian	87	$56,905,000	$654,080	$16,575	6.97%
Black	70	$35,210,000	$503,000	$16,642	7.58%
American Indian	12	$5,300,000	$441,667	$16,059	7.09%
Native Hawaiian or Islander	1	$195,000	$195,000	$13,912	9.00%

Approval Rates

Total approvals of all applications
95.53%

Greenbox Loans has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
33.55%

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	3	$1,375,000	$458,333
13841.88	1	$445,000	$445,000
1490.0	11	$10,835,000	$985,000
15055.0	1	$495,000	$495,000
1685.0	1	$265,000	$265,000
1775.0	1	$155,000	$155,000
1790.0	154	$66,270,000	$430,325
1792.0	1	$335,000	$335,000
1793.0	1	$385,000	$385,000
1800.0	2	$420,000	$210,000
1817.95	1	$265,000	$265,000
1835.0	1	$215,000	$215,000
1837.0	1	$1,125,000	$1,125,000
1940.0	1	$345,000	$345,000
2085.0	4	$1,970,000	$492,500
2140.0	2	$790,000	$395,000
2180.0	1	$425,000	$425,000
2285.0	2	$660,000	$330,000
2290.0	1	$455,000	$455,000
2335.0	1	$395,000	$395,000
2340.0	1	$215,000	$215,000
2360.0	1	$355,000	$355,000
2389.0	2	$550,000	$275,000
2390.0	1	$255,000	$255,000
2449.0	1	$785,000	$785,000
2476.0	1	$275,000	$275,000
2485.0	16	$6,110,000	$381,875
2489.0	1	$305,000	$305,000
2490.0	3	$1,175,000	$391,667
2510.0	1	$285,000	$285,000
2540.0	1	$365,000	$365,000
2585.0	8	$2,830,000	$353,750
2595.0	5	$3,855,000	$771,000
2640.0	1	$505,000	$505,000
2685.0	8	$5,350,000	$668,750
2730.0	1	$415,000	$415,000
2785.0	10	$3,690,000	$369,000
2790.0	10	$4,110,000	$411,000
2795.0	1	$2,005,000	$2,005,000
2865.0	5	$2,445,000	$489,000
2880.0	1	$385,000	$385,000
2885.0	1	$2,205,000	$2,205,000
3040.0	4	$1,250,000	$312,500
3042.0	1	$155,000	$155,000
3085.0	2	$1,020,000	$510,000
3090.0	1	$285,000	$285,000
3185.0	2	$660,000	$330,000
3996.88	1	$145,000	$145,000
4945.0	1	$285,000	$285,000
5090.0	1	$705,000	$705,000
6115.75	1	$155,000	$155,000
6360.0	1	$155,000	$155,000
7640.0	1	$395,000	$395,000
7762.24	1	$1,265,000	$1,265,000
9085.0	1	$235,000	$235,000
965.0	1	$225,000	$225,000
NA	774	$430,440,000	$556,124

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	1,064	$563,470,000	$529,577

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
40-60%	6	$3,840,000	$640,000	$17,952	5.79%
60-80%	20	$9,570,000	$478,500	$13,941	7.49%
80-100%	4	$2,350,000	$587,500	$16,733	5.41%