Desjardins Bank Mortgage Rates, Fees & Info
Hallandale Beach, FLLEI: 549300U37SC1LBUJFV92
Tax ID: 65-0315279
Latest/2023 | 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, Cape Coral, Orlando, Port St. Lucie, and Naples among others. We have data for 18 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
198Origination Dollar Volume (All Markets)
$80,050,000Top 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) | 135 | $55,695,000 | $412,556 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 11 | $5,065,000 | $460,455 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $4,285,000 | $329,615 | $0 | 0.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 8 | $3,220,000 | $402,500 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,315,000 | $330,714 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $2,180,000 | $545,000 | $0 | 0.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $0 | 0.00% |
| Key West, FL (FHA|USDA|VA) | 1 | $1,305,000 | $1,305,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $0 | 0.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $0 | 0.00% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $145,000 | $145,000 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 198 | $80,050,000 | $404,293 | $0 | 0.00% |
For 2022, Desjardins Bank's most frequently originated type of loan was Conventional, with 198 originations.
Loan Reason
For 2022, Desjardins Bank's most frequently cited loan purpose was Home Purchase, with 182 originations. The 2nd most popular reason was Other, with 7 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 198 | $80,050,000 | $404,293 | $0 | 0.00% |
For 2022, Desjardins Bank's most frequently cited loan duration was Other, with 198 originations.
Loan Sizing
2022 saw Desjardins Bank place emphasis on $200k-400k loans with 70 originations, totaling $20,160,000 in origination value.
Applicant Income
Desjardins Bank lent most frequently to those with incomes in the $150k-250k range, with 54 originations. The second most popular income band? $250k+, with 35 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 198 | $80,050,000 | $404,293 | $0 | 0.00% |
Desjardins Bank lent most frequently to those with DTI ratios of Exempt%, with 198 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.61%
Desjardins Bank has an average approval rate.
Pick Rate
Approvals leading to origination86.36%
Desjardins Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 198 | $80,050,000 | $404,293 |