Desjardins Bank Mortgage Rates, Fees & Info
Hallandale Beach, FLLEI: 549300U37SC1LBUJFV92
Tax ID: 65-0315279
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Desjardins Bank is a smaller bank specializing in Home Purchase loans. Desjardins Bank has a high proportion of conventional loans. Their top markets by origination volume include: Miami, Naples, Port St. Lucie, Cape Coral, and North Port among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)Desjardins Bank 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.
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Originations
96Origination Dollar Volume (All Markets)
$35,770,000Top 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 |
|---|---|---|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 52 | $21,090,000 | $405,577 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $3,180,000 | $795,000 | $0 | 0.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 8 | $2,840,000 | $355,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $2,565,000 | $366,429 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,610,000 | $402,500 | $0 | 0.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $0 | 0.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $0 | 0.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 0.00% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $125,000 | $125,000 | $0 | 0.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 96 | $35,770,000 | $372,604 | $0 | 0.00% |
For 2024, Desjardins Bank's most frequently originated type of loan was Conventional, with 96 originations.
Loan Reason
For 2024, Desjardins Bank's most frequently cited loan purpose was Home Purchase, with 87 originations. The 2nd most popular reason was Refi, with 5 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 96 | $35,770,000 | $372,604 | $0 | 0.00% |
For 2024, Desjardins Bank's most frequently cited loan duration was Other, with 96 originations.
Loan Sizing
2024 saw Desjardins Bank place emphasis on $200k-400k loans with 38 originations, totaling $10,380,000 in origination value.
Applicant Income
Desjardins Bank lent most frequently to those with incomes in the $100k-150k range, with 15 originations. The second most popular income band? $250k+, with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 96 | $35,770,000 | $372,604 | $0 | 0.00% |
Desjardins Bank lent most frequently to those with DTI ratios of Exempt%, with 96 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.32%
Desjardins Bank has an average approval rate.
Pick Rate
Approvals leading to origination83.33%
Desjardins Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 96 | $35,770,000 | $372,604 |