Wyndham Capital Mortgage Rates, Fees & Info
Raleigh, NCLEI: 549300UVXY7S004OQL53
Tax ID: 56-2237729
2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Wyndham Capital Mortgage is a mid-sized mortgage company specializing in Cash Out Refi and Refi loans. Wyndham Capital Mortgage 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.) They have a low ratio of USDA loans. Their top markets include Charlotte, Washington, Atlanta, Denver, and Los Angeles among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Wyndham Capital Mortgage is typically a low fee lendor.Originations
14,640Origination Dollar Volume (All Markets)
$5,388,190,000Awards
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Wyndham Capital Mortgage - 2020 Certified Lowest Fee Lender
Wyndham Capital Mortgage is a 2020 Certified Lowest Fee Lender due to their exceptionally low average fee structure.
For 2020, less than 7.1% of lenders were eligible for this award.
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Relative Rate
Wyndham Capital Mortgage 's average 30 year fixed rate mortgage was
3.07%.
The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.
This yields a difference of -0.29%.
Relative Fees
Wyndham Capital Mortgage 's average total fees for a 30 year fixed rate
mortgage are $2,424.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $5,021.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 13,326 | $4,910,230,000 | $368,470 | $2,252 | 3.07% |
| VA | 1,097 | $418,485,000 | $381,481 | $3,524 | 2.71% |
| FHA | 209 | $56,735,000 | $271,459 | $7,294 | 3.34% |
| USDA | 8 | $2,740,000 | $342,500 | $3,589 | 3.48% |
For the 2020 period, Wyndham Capital Mortgage 's most frequently originated loan type was Conventional, with 13,326 originations. Their 2nd most popular type is VA, with 1,097 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 7,745 | $2,871,875,000 | $370,804 | $2,357 | 3.06% |
| Refi | 5,677 | $2,116,765,000 | $372,867 | $2,044 | 2.98% |
| Home Purchase | 1,218 | $399,550,000 | $328,038 | $4,578 | 3.20% |
For the 2020, Wyndham Capital Mortgage 's most frequently cited loan purpose was Cash Out Refi, with 7,745 originations. The 2nd most popular reason was Refi, with 5,677 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 12,537 | $4,656,965,000 | $371,458 | $2,424 | 3.07% |
| 15 Year | 1,397 | $485,875,000 | $347,799 | $2,504 | 2.76% |
| 20 Year | 472 | $164,780,000 | $349,110 | $2,296 | 3.16% |
| Other | 202 | $71,090,000 | $351,931 | $1,953 | 3.07% |
| 10 Year | 32 | $9,480,000 | $296,250 | $2,377 | 2.83% |
For the 2020, Wyndham Capital Mortgage 's most frequently cited loan length was 30 Year, with 12,537 originations. The 2nd most popular length was 15 Year, with 1,397 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 11,779 | $4,443,835,000 | $377,268 |
| $1k-2k | 1,288 | $425,030,000 | $329,992 |
| $3k-4k | 615 | $189,535,000 | $308,187 |
| $2k-3k | 574 | $186,200,000 | $324,390 |
| $5k+ | 383 | $143,105,000 | $373,642 |
$2,424 was Wyndham Capital Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 11,779 originations.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 1,637 | $537,795,000 | $328,525 | $2,402 | 3.10% |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 905 | $384,325,000 | $424,669 | $2,176 | 2.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA | 659 | $235,195,000 | $356,897 | $2,166 | 3.05% |
| Outside of Metro Areas | 626 | $205,400,000 | $328,115 | $2,667 | 3.12% |
| DENVER-AURORA-LAKEWOOD, CO | 378 | $151,530,000 | $400,873 | $1,974 | 3.05% |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 331 | $146,065,000 | $441,284 | $2,341 | 3.06% |
| SEATTLE-BELLEVUE-KENT, WA | 297 | $131,385,000 | $442,374 | $2,251 | 2.95% |
| BALTIMORE-COLUMBIA-TOWSON, MD | 339 | $130,975,000 | $386,357 | $2,065 | 2.98% |
| PHOENIX-MESA-CHANDLER, AZ | 344 | $124,250,000 | $361,192 | $2,222 | 3.06% |
| RALEIGH-CARY, NC | 317 | $111,865,000 | $352,886 | $2,108 | 3.05% |
| FREDERICK-GAITHERSBURG-ROCKVILLE, MD | 259 | $109,085,000 | $421,178 | $2,268 | 2.93% |
| DALLAS-PLANO-IRVING, TX | 264 | $96,860,000 | $366,894 | $3,300 | 3.06% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 272 | $96,510,000 | $354,816 | $3,406 | 3.08% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 237 | $88,385,000 | $372,932 | $1,879 | 2.97% |
| OAKLAND-BERKELEY-LIVERMORE, CA | 187 | $84,845,000 | $453,717 | $1,649 | 3.01% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 221 | $84,715,000 | $383,326 | $2,380 | 3.06% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 219 | $84,035,000 | $383,721 | $2,596 | 3.04% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | 187 | $82,825,000 | $442,914 | $2,630 | 3.00% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 198 | $72,550,000 | $366,414 | $1,804 | 3.04% |
| ANAHEIM-SANTA ANA-IRVINE, CA | 152 | $70,510,000 | $463,882 | $2,226 | 2.98% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX | 180 | $68,670,000 | $381,500 | $3,267 | 2.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | 165 | $63,765,000 | $386,455 | $2,223 | 3.03% |
| LAS VEGAS-HENDERSON-PARADISE, NV | 182 | $62,710,000 | $344,560 | $2,267 | 3.14% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 175 | $60,715,000 | $346,943 | $2,549 | 3.05% |
| NEW BRUNSWICK-LAKEWOOD, NJ | 153 | $59,425,000 | $388,399 | $2,922 | 3.09% |
| ORLANDO-KISSIMMEE-SANFORD, FL | 169 | $59,295,000 | $350,858 | $2,526 | 3.05% |
| CHICAGO-NAPERVILLE-EVANSTON, IL | 151 | $55,335,000 | $366,457 | $2,159 | 3.01% |
| RICHMOND, VA | 142 | $53,600,000 | $377,465 | $2,186 | 2.97% |
| NEWARK, NJ-PA | 122 | $48,470,000 | $397,295 | $2,916 | 2.97% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 131 | $45,555,000 | $347,748 | $2,314 | 3.01% |
| CHARLESTON-NORTH CHARLESTON, SC | 125 | $43,845,000 | $350,760 | $2,439 | 3.08% |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL | 112 | $41,090,000 | $366,875 | $3,110 | 3.11% |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 104 | $40,740,000 | $391,731 | $3,339 | 2.95% |
| KANSAS CITY, MO-KS | 121 | $39,655,000 | $327,727 | $1,906 | 3.04% |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 94 | $38,090,000 | $405,213 | $3,081 | 2.97% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 79 | $37,565,000 | $475,506 | $2,651 | 2.96% |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 86 | $37,380,000 | $434,651 | $2,327 | 3.05% |
| BOISE CITY, ID | 94 | $36,930,000 | $392,872 | $4,343 | 2.86% |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 96 | $35,060,000 | $365,208 | $2,771 | 2.96% |
| WARREN-TROY-FARMINGTON HILLS, MI | 102 | $34,970,000 | $342,843 | $2,221 | 3.08% |
| SALT LAKE CITY, UT | 90 | $34,580,000 | $384,222 | $1,927 | 2.98% |
| MIAMI-MIAMI BEACH-KENDALL, FL | 93 | $32,985,000 | $354,677 | $3,013 | 3.18% |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX | 89 | $31,175,000 | $350,281 | $3,673 | 3.02% |
| GREENVILLE-ANDERSON, SC | 96 | $31,000,000 | $322,917 | $3,284 | 3.07% |
| JACKSONVILLE, FL | 84 | $30,090,000 | $358,214 | $2,721 | 3.04% |
| SAN ANTONIO-NEW BRAUNFELS, TX | 77 | $24,725,000 | $321,104 | $3,229 | 3.07% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 75 | $24,715,000 | $329,533 | $1,799 | 3.06% |
| CINCINNATI, OH-KY-IN | 65 | $24,395,000 | $375,308 | $2,015 | 2.90% |
| PROVO-OREM, UT | 62 | $22,840,000 | $368,387 | $2,680 | 2.97% |
| ASHEVILLE, NC | 61 | $20,975,000 | $343,852 | $2,130 | 2.97% |
| COLUMBUS, OH | 56 | $20,320,000 | $362,857 | $2,387 | 3.08% |
| COLORADO SPRINGS, CO | 56 | $20,140,000 | $359,643 | $2,364 | 3.11% |
| COLUMBIA, SC | 60 | $19,940,000 | $332,333 | $2,511 | 2.99% |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 42 | $19,760,000 | $470,476 | $1,827 | 3.05% |
| RENO, NV | 49 | $19,045,000 | $388,673 | $1,607 | 3.00% |
| TACOMA-LAKEWOOD, WA | 51 | $18,805,000 | $368,725 | $2,176 | 3.03% |
| NORTH PORT-SARASOTA-BRADENTON, FL | 51 | $18,245,000 | $357,745 | $2,297 | 3.00% |
| DURHAM-CHAPEL HILL, NC | 56 | $18,230,000 | $325,536 | $1,934 | 3.14% |
| PHILADELPHIA, PA | 52 | $17,360,000 | $333,846 | $3,516 | 3.08% |
| STOCKTON, CA | 45 | $16,985,000 | $377,444 | $2,116 | 3.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA | 37 | $16,625,000 | $449,324 | $2,097 | 2.97% |
| FORT COLLINS, CO | 41 | $15,475,000 | $377,439 | $2,030 | 3.00% |
| BOULDER, CO | 39 | $15,405,000 | $395,000 | $2,120 | 3.05% |
| PITTSBURGH, PA | 45 | $15,165,000 | $337,000 | $3,247 | 3.05% |
| WINSTON-SALEM, NC | 48 | $14,810,000 | $308,542 | $2,163 | 3.03% |
| GREENSBORO-HIGH POINT, NC | 50 | $14,710,000 | $294,200 | $2,301 | 3.12% |
| WILMINGTON, DE-MD-NJ | 42 | $14,480,000 | $344,762 | $2,252 | 3.10% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 42 | $14,210,000 | $338,333 | $2,287 | 3.12% |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 36 | $13,390,000 | $371,944 | $1,734 | 3.04% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 43 | $13,145,000 | $305,698 | $2,480 | 3.17% |
| HILTON HEAD ISLAND-BLUFFTON, SC | 37 | $12,985,000 | $350,946 | $2,797 | 2.99% |
| NEW ORLEANS-METAIRIE, LA | 36 | $12,800,000 | $355,556 | $2,458 | 3.17% |
| WILMINGTON, NC | 40 | $12,300,000 | $307,500 | $2,210 | 3.16% |
| TUCSON, AZ | 36 | $12,200,000 | $338,889 | $2,524 | 3.01% |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 31 | $12,045,000 | $388,548 | $1,539 | 2.96% |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 30 | $11,750,000 | $391,667 | $2,371 | 3.13% |
| OGDEN-CLEARFIELD, UT | 31 | $11,695,000 | $377,258 | $1,842 | 2.93% |
| CHATTANOOGA, TN-GA | 34 | $11,560,000 | $340,000 | $2,711 | 3.10% |
| NAPLES-MARCO ISLAND, FL | 31 | $11,295,000 | $364,355 | $2,107 | 3.03% |
| ST. LOUIS, MO-IL | 31 | $11,275,000 | $363,710 | $1,464 | 2.91% |
| CAMDEN, NJ | 36 | $10,980,000 | $305,000 | $3,327 | 3.06% |
| PORT ST. LUCIE, FL | 31 | $10,895,000 | $351,452 | $2,642 | 3.09% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 31 | $10,535,000 | $339,839 | $2,017 | 2.94% |
| SANTA ROSA-PETALUMA, CA | 24 | $10,510,000 | $437,917 | $2,128 | 2.98% |
| CAPE CORAL-FORT MYERS, FL | 32 | $10,320,000 | $322,500 | $2,227 | 3.12% |
| KNOXVILLE, TN | 27 | $10,095,000 | $373,889 | $1,729 | 3.02% |
| VALLEJO, CA | 24 | $10,070,000 | $419,583 | $2,320 | 3.12% |
| PROVIDENCE-WARWICK, RI-MA | 31 | $9,945,000 | $320,806 | $3,333 | 3.13% |
| CLEVELAND-ELYRIA, OH | 27 | $9,915,000 | $367,222 | $1,846 | 3.11% |
| MEMPHIS, TN-MS-AR | 31 | $9,805,000 | $316,290 | $2,071 | 3.00% |
| COEUR D'ALENE, ID | 28 | $9,660,000 | $345,000 | $2,444 | 3.02% |
| EUGENE-SPRINGFIELD, OR | 27 | $9,545,000 | $353,519 | $2,659 | 3.02% |
| GREELEY, CO | 25 | $9,485,000 | $379,400 | $2,170 | 2.94% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 28 | $9,340,000 | $333,571 | $3,200 | 3.04% |
| HICKORY-LENOIR-MORGANTON, NC | 28 | $9,290,000 | $331,786 | $2,726 | 3.20% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 24 | $9,010,000 | $375,417 | $2,420 | 3.02% |
| SALINAS, CA | 21 | $8,805,000 | $419,286 | $2,146 | 3.12% |
| MANCHESTER-NASHUA, NH | 23 | $8,315,000 | $361,522 | $1,386 | 3.02% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT | 28 | $8,310,000 | $296,786 | $2,851 | 3.28% |
| CHARLOTTESVILLE, VA | 23 | $8,305,000 | $361,087 | $2,074 | 3.07% |
| FRESNO, CA | 24 | $8,060,000 | $335,833 | $2,312 | 3.11% |
| DETROIT-DEARBORN-LIVONIA, MI | 23 | $7,795,000 | $338,913 | $2,154 | 3.08% |
| LEXINGTON-FAYETTE, KY | 20 | $7,770,000 | $388,500 | $1,803 | 3.03% |
| BIRMINGHAM-HOOVER, AL | 23 | $7,765,000 | $337,609 | $2,169 | 3.00% |
| SALISBURY, MD-DE | 24 | $7,440,000 | $310,000 | $2,843 | 3.10% |
| OLYMPIA-LACEY-TUMWATER, WA | 21 | $7,235,000 | $344,524 | $1,681 | 3.10% |
| TRENTON-PRINCETON, NJ | 22 | $7,230,000 | $328,636 | $2,643 | 3.09% |
| GAINESVILLE, GA | 21 | $7,105,000 | $338,333 | $2,488 | 3.12% |
| SANTA MARIA-SANTA BARBARA, CA | 17 | $7,065,000 | $415,588 | $2,305 | 2.80% |
| ELGIN, IL | 22 | $6,990,000 | $317,727 | $1,658 | 3.06% |
| ALBUQUERQUE, NM | 19 | $6,835,000 | $359,737 | $2,449 | 3.03% |
| BATON ROUGE, LA | 20 | $6,790,000 | $339,500 | $3,447 | 3.23% |
| SAVANNAH, GA | 18 | $6,620,000 | $367,778 | $2,280 | 2.93% |
| BEND, OR | 20 | $6,490,000 | $324,500 | $2,081 | 3.23% |
| PENSACOLA-FERRY PASS-BRENT, FL | 19 | $6,415,000 | $337,632 | $2,403 | 2.88% |
| MILWAUKEE-WAUKESHA, WI | 19 | $6,405,000 | $337,105 | $1,288 | 3.01% |
| AKRON, OH | 15 | $6,205,000 | $413,667 | $1,750 | 2.91% |
| CALIFORNIA-LEXINGTON PARK, MD | 17 | $6,095,000 | $358,529 | $2,329 | 2.95% |
| LONGVIEW, WA | 19 | $5,965,000 | $313,947 | $1,755 | 3.18% |
| SALEM, OR | 16 | $5,580,000 | $348,750 | $3,295 | 3.09% |
| PRESCOTT VALLEY-PRESCOTT, AZ | 16 | $5,480,000 | $342,500 | $2,427 | 3.03% |
| DAYTON-KETTERING, OH | 14 | $5,430,000 | $387,857 | $2,282 | 3.01% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA | 16 | $5,350,000 | $334,375 | $1,606 | 3.05% |
| WINCHESTER, VA-WV | 15 | $5,295,000 | $353,000 | $3,411 | 3.07% |
| ATHENS-CLARKE COUNTY, GA | 17 | $5,285,000 | $310,882 | $2,599 | 2.97% |
| HARRISBURG-CARLISLE, PA | 15 | $5,155,000 | $343,667 | $3,389 | 2.96% |
| PUNTA GORDA, FL | 15 | $5,145,000 | $343,000 | $1,763 | 3.20% |
| OKLAHOMA CITY, OK | 14 | $5,080,000 | $362,857 | $3,388 | 2.95% |
| ANN ARBOR, MI | 14 | $4,870,000 | $347,857 | $2,933 | 3.03% |
| LAKELAND-WINTER HAVEN, FL | 16 | $4,750,000 | $296,875 | $1,979 | 3.14% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 16 | $4,750,000 | $296,875 | $3,284 | 2.99% |
| SPARTANBURG, SC | 16 | $4,740,000 | $296,250 | $2,199 | 3.13% |
| BAKERSFIELD, CA | 16 | $4,620,000 | $288,750 | $2,547 | 3.08% |
| ROANOKE, VA | 13 | $4,505,000 | $346,538 | $1,510 | 3.13% |
| SAN RAFAEL, CA | 10 | $4,430,000 | $443,000 | $2,963 | 2.73% |
| FLAGSTAFF, AZ | 11 | $4,395,000 | $399,545 | $1,410 | 2.97% |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 14 | $4,380,000 | $312,857 | $2,833 | 2.92% |
| VISALIA, CA | 14 | $4,370,000 | $312,143 | $1,897 | 3.18% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 14 | $4,360,000 | $311,429 | $3,087 | 3.20% |
| PORTLAND-SOUTH PORTLAND, ME | 14 | $4,310,000 | $307,857 | $1,833 | 3.00% |
| MODESTO, CA | 13 | $4,185,000 | $321,923 | $2,160 | 3.05% |
| GARY, IN | 11 | $4,075,000 | $370,455 | $1,362 | 2.99% |
| GRAND RAPIDS-KENTWOOD, MI | 14 | $4,040,000 | $288,571 | $2,004 | 3.23% |
| SANTA FE, NM | 10 | $3,980,000 | $398,000 | $2,891 | 2.95% |
| OMAHA-COUNCIL BLUFFS, NE-IA | 13 | $3,945,000 | $303,462 | $2,775 | 2.96% |
| MIDLAND, TX | 10 | $3,930,000 | $393,000 | $3,068 | 3.15% |
| TULSA, OK | 11 | $3,855,000 | $350,455 | $2,349 | 3.10% |
| SPOKANE-SPOKANE VALLEY, WA | 13 | $3,815,000 | $293,462 | $2,410 | 2.91% |
| LANCASTER, PA | 10 | $3,660,000 | $366,000 | $3,625 | 2.99% |
| BELLINGHAM, WA | 10 | $3,500,000 | $350,000 | $2,651 | 2.90% |
| GAINESVILLE, FL | 10 | $3,480,000 | $348,000 | $1,966 | 3.08% |
| CORVALLIS, OR | 9 | $3,445,000 | $382,778 | $2,434 | 2.80% |
| YORK-HANOVER, PA | 11 | $3,425,000 | $311,364 | $3,843 | 2.76% |
| CLARKSVILLE, TN-KY | 10 | $3,380,000 | $338,000 | $2,015 | 3.12% |
| STATE COLLEGE, PA | 9 | $3,305,000 | $367,222 | $3,897 | 3.10% |
| SANTA CRUZ-WATSONVILLE, CA | 6 | $3,300,000 | $550,000 | $3,299 | 3.00% |
| NEW HAVEN-MILFORD, CT | 10 | $3,200,000 | $320,000 | $2,930 | 3.06% |
| KENNEWICK-RICHLAND, WA | 10 | $3,160,000 | $316,000 | $1,464 | 2.98% |
| NAPA, CA | 7 | $3,075,000 | $439,286 | $1,584 | 2.80% |
| JACKSON, MS | 11 | $2,915,000 | $265,000 | $1,868 | 3.52% |
| NEW BERN, NC | 8 | $2,750,000 | $343,750 | $3,619 | 2.88% |
| ST. GEORGE, UT | 8 | $2,750,000 | $343,750 | $1,368 | 2.95% |
| READING, PA | 8 | $2,670,000 | $333,750 | $2,531 | 2.83% |
| HAGERSTOWN-MARTINSBURG, MD-WV | 9 | $2,645,000 | $293,889 | $2,788 | 3.22% |
| TOLEDO, OH | 9 | $2,635,000 | $292,778 | $2,539 | 2.85% |
| OCEAN CITY, NJ | 8 | $2,620,000 | $327,500 | $3,015 | 3.28% |
| EL PASO, TX | 7 | $2,595,000 | $370,714 | $3,003 | 3.04% |
| REDDING, CA | 8 | $2,580,000 | $322,500 | $1,297 | 3.06% |
| THE VILLAGES, FL | 8 | $2,580,000 | $322,500 | $2,584 | 2.98% |
| CHEYENNE, WY | 7 | $2,535,000 | $362,143 | $4,362 | 3.23% |
| BRUNSWICK, GA | 8 | $2,480,000 | $310,000 | $3,711 | 3.14% |
| BILLINGS, MT | 7 | $2,465,000 | $352,143 | $2,444 | 3.02% |
| MISSOULA, MT | 7 | $2,455,000 | $350,714 | $1,117 | 3.18% |
| MADISON, WI | 8 | $2,450,000 | $306,250 | $1,932 | 2.91% |
| MEDFORD, OR | 7 | $2,425,000 | $346,429 | $5,099 | 3.04% |
| MOUNT VERNON-ANACORTES, WA | 7 | $2,425,000 | $346,429 | $2,013 | 3.12% |
| DAPHNE-FAIRHOPE-FOLEY, AL | 8 | $2,380,000 | $297,500 | $3,648 | 3.52% |
| WENATCHEE, WA | 6 | $2,330,000 | $388,333 | $1,634 | 2.88% |
| SEBASTIAN-VERO BEACH, FL | 7 | $2,325,000 | $332,143 | $3,276 | 3.36% |
| KINGSPORT-BRISTOL, TN-VA | 7 | $2,275,000 | $325,000 | $2,444 | 3.00% |
| SHREVEPORT-BOSSIER CITY, LA | 7 | $2,215,000 | $316,429 | $2,679 | 3.18% |
| LAWRENCE, KS | 6 | $2,130,000 | $355,000 | $1,619 | 2.85% |
| BURLINGTON, NC | 7 | $2,075,000 | $296,429 | $1,262 | 3.16% |
| FORT WAYNE, IN | 5 | $2,035,000 | $407,000 | $1,577 | 2.98% |
| TALLAHASSEE, FL | 6 | $1,990,000 | $331,667 | $2,319 | 3.08% |
| LANSING-EAST LANSING, MI | 6 | $1,980,000 | $330,000 | $1,937 | 3.02% |
| WACO, TX | 5 | $1,795,000 | $359,000 | $2,481 | 2.88% |
| VALDOSTA, GA | 5 | $1,725,000 | $345,000 | $2,063 | 3.10% |
| EVANSVILLE, IN-KY | 4 | $1,720,000 | $430,000 | $3,068 | 2.63% |
| KILLEEN-TEMPLE, TX | 5 | $1,705,000 | $341,000 | $3,358 | 3.00% |
| PANAMA CITY, FL | 6 | $1,680,000 | $280,000 | $4,023 | 2.92% |
| WARNER ROBINS, GA | 6 | $1,670,000 | $278,333 | $2,836 | 3.06% |
| JACKSONVILLE, NC | 7 | $1,645,000 | $235,000 | $1,999 | 3.61% |
| FAYETTEVILLE, NC | 6 | $1,640,000 | $273,333 | $1,866 | 3.06% |
| CORPUS CHRISTI, TX | 5 | $1,625,000 | $325,000 | $3,611 | 3.08% |
| LYNCHBURG, VA | 5 | $1,625,000 | $325,000 | $1,630 | 3.18% |
| STAUNTON, VA | 5 | $1,605,000 | $321,000 | $2,383 | 3.02% |
| LAKE CHARLES, LA | 5 | $1,605,000 | $321,000 | $3,219 | 3.23% |
| GRAND JUNCTION, CO | 4 | $1,580,000 | $395,000 | $2,396 | 3.00% |
| BOWLING GREEN, KY | 5 | $1,565,000 | $313,000 | $2,351 | 3.17% |
| CANTON-MASSILLON, OH | 4 | $1,550,000 | $387,500 | $1,383 | 2.84% |
| HUNTSVILLE, AL | 5 | $1,545,000 | $309,000 | $2,456 | 2.98% |
| JOHNSON CITY, TN | 4 | $1,540,000 | $385,000 | $1,695 | 3.06% |
| COLUMBUS, GA-AL | 5 | $1,515,000 | $303,000 | $1,769 | 3.25% |
| LOGAN, UT-ID | 4 | $1,410,000 | $352,500 | $735 | 2.69% |
| BURLINGTON-SOUTH BURLINGTON, VT | 4 | $1,400,000 | $350,000 | $1,529 | 3.00% |
| SCRANTON--WILKES-BARRE, PA | 4 | $1,400,000 | $350,000 | $3,009 | 3.03% |
| PUEBLO, CO | 6 | $1,390,000 | $231,667 | $2,859 | 3.54% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 5 | $1,385,000 | $277,000 | $2,310 | 3.38% |
| MORRISTOWN, TN | 5 | $1,385,000 | $277,000 | $2,893 | 2.95% |
| WICHITA, KS | 4 | $1,380,000 | $345,000 | $1,521 | 3.06% |
| LAKE HAVASU CITY-KINGMAN, AZ | 4 | $1,380,000 | $345,000 | $2,707 | 3.13% |
| NILES, MI | 4 | $1,330,000 | $332,500 | $2,110 | 3.09% |
| MONROE, LA | 3 | $1,275,000 | $425,000 | $1,910 | 3.08% |
| GREENVILLE, NC | 4 | $1,230,000 | $307,500 | $2,093 | 3.44% |
| ROCHESTER, MN | 4 | $1,220,000 | $305,000 | $2,978 | 2.97% |
| PEORIA, IL | 4 | $1,210,000 | $302,500 | $1,503 | 3.22% |
| JACKSON, MI | 3 | $1,185,000 | $395,000 | $2,824 | 3.17% |
| MERCED, CA | 4 | $1,160,000 | $290,000 | $2,352 | 3.03% |
| FLINT, MI | 4 | $1,160,000 | $290,000 | $2,337 | 3.00% |
| GETTYSBURG, PA | 4 | $1,150,000 | $287,500 | $3,420 | 2.88% |
| LAFAYETTE, LA | 3 | $1,125,000 | $375,000 | $2,290 | 2.83% |
| CHAMPAIGN-URBANA, IL | 3 | $1,125,000 | $375,000 | $1,794 | 2.63% |
| NORWICH-NEW LONDON, CT | 3 | $1,125,000 | $375,000 | $2,101 | 3.00% |
| VICTORIA, TX | 3 | $1,125,000 | $375,000 | $2,141 | 3.21% |
| DULUTH, MN-WI | 3 | $1,115,000 | $371,667 | $4,378 | 2.79% |
| COLUMBIA, MO | 3 | $1,075,000 | $358,333 | $1,444 | 3.17% |
| CHICO, CA | 3 | $1,045,000 | $348,333 | $1,663 | 3.21% |
| BLACKSBURG-CHRISTIANSBURG, VA | 3 | $1,025,000 | $341,667 | $1,159 | 3.00% |
| LEWISTON, ID-WA | 3 | $995,000 | $331,667 | $3,973 | 3.25% |
| HOMOSASSA SPRINGS, FL | 3 | $995,000 | $331,667 | $1,503 | 2.75% |
| LUBBOCK, TX | 3 | $985,000 | $328,333 | $2,630 | 3.00% |
| OCALA, FL | 3 | $975,000 | $325,000 | $1,793 | 2.88% |
| LONGVIEW, TX | 2 | $950,000 | $475,000 | $2,840 | 3.00% |
| DALTON, GA | 3 | $945,000 | $315,000 | $3,358 | 2.83% |
| WALLA WALLA, WA | 4 | $910,000 | $227,500 | $1,573 | 3.47% |
| FORT SMITH, AR-OK | 3 | $905,000 | $301,667 | $2,337 | 3.29% |
| IDAHO FALLS, ID | 2 | $880,000 | $440,000 | $2,999 | 2.75% |
| ST. CLOUD, MN | 3 | $875,000 | $291,667 | $1,752 | 3.33% |
| BEAUMONT-PORT ARTHUR, TX | 4 | $870,000 | $217,500 | $4,391 | 3.50% |
| SIERRA VISTA-DOUGLAS, AZ | 2 | $860,000 | $430,000 | $2,440 | 2.69% |
| DES MOINES-WEST DES MOINES, IA | 3 | $845,000 | $281,667 | $7,104 | 2.96% |
| CHAMBERSBURG-WAYNESBORO, PA | 3 | $845,000 | $281,667 | $2,316 | 3.71% |
| BLOOMINGTON, IN | 2 | $820,000 | $410,000 | $1,240 | 3.19% |
| KALAMAZOO-PORTAGE, MI | 2 | $800,000 | $400,000 | $2,710 | 2.69% |
| HUNTINGTON-ASHLAND, WV-KY-OH | 3 | $795,000 | $265,000 | $3,571 | 2.66% |
| DOVER, DE | 2 | $790,000 | $395,000 | $1,180 | 2.75% |
| ATLANTIC CITY-HAMMONTON, NJ | 2 | $790,000 | $395,000 | $3,754 | 3.00% |
| MADERA, CA | 3 | $785,000 | $261,667 | $5,624 | 3.42% |
| HARRISONBURG, VA | 3 | $765,000 | $255,000 | $2,780 | 3.50% |
| CHARLESTON, WV | 2 | $750,000 | $375,000 | $1,770 | 3.19% |
| MORGANTOWN, WV | 2 | $740,000 | $370,000 | $2,331 | 3.38% |
| COLLEGE STATION-BRYAN, TX | 2 | $720,000 | $360,000 | $3,067 | 3.93% |
| BISMARCK, ND | 3 | $715,000 | $238,333 | $3,151 | 2.92% |
| YUBA CITY, CA | 2 | $710,000 | $355,000 | $1,762 | 3.69% |
| TYLER, TX | 2 | $670,000 | $335,000 | $2,299 | 2.94% |
| GRANTS PASS, OR | 2 | $660,000 | $330,000 | $3,912 | 3.19% |
| SOUTH BEND-MISHAWAKA, IN-MI | 2 | $640,000 | $320,000 | $1,570 | 3.38% |
| ELIZABETHTOWN-FORT KNOX, KY | 2 | $620,000 | $310,000 | $3,663 | 2.75% |
| LAFAYETTE-WEST LAFAYETTE, IN | 2 | $560,000 | $280,000 | $3,320 | 3.00% |
| CLEVELAND, TN | 2 | $550,000 | $275,000 | $1,552 | 3.25% |
| GOLDSBORO, NC | 2 | $540,000 | $270,000 | $8,059 | 3.06% |
| TOPEKA, KS | 2 | $530,000 | $265,000 | $1,166 | 2.69% |
| COLUMBUS, IN | 2 | $520,000 | $260,000 | $5,117 | 3.56% |
| GULFPORT-BILOXI, MS | 2 | $510,000 | $255,000 | $6,285 | 3.50% |
| HOUMA-THIBODAUX, LA | 2 | $510,000 | $255,000 | $4,791 | 2.63% |
| FLORENCE, SC | 2 | $510,000 | $255,000 | $2,320 | 3.31% |
| SEBRING-AVON PARK, FL | 4 | $500,000 | $125,000 | $4,930 | 3.78% |
| ALBANY-LEBANON, OR | 1 | $485,000 | $485,000 | $1,563 | 3.13% |
| APPLETON, WI | 2 | $480,000 | $240,000 | $1,138 | 3.13% |
| MONTGOMERY, AL | 2 | $480,000 | $240,000 | $4,413 | 2.56% |
| WORCESTER, MA-CT | 1 | $475,000 | $475,000 | $10,813 | 3.38% |
| ELKHART-GOSHEN, IN | 1 | $455,000 | $455,000 | $1,085 | 3.13% |
| BANGOR, ME | 2 | $450,000 | $225,000 | $4,539 | 3.00% |
| LEBANON, PA | 2 | $430,000 | $215,000 | $2,998 | 3.06% |
| KOKOMO, IN | 1 | $425,000 | $425,000 | $1,500 | 2.99% |
| MACON-BIBB COUNTY, GA | 1 | $415,000 | $415,000 | $3,335 | 2.25% |
| ODESSA, TX | 1 | $405,000 | $405,000 | $2,215 | 2.63% |
| ROCKY MOUNT, NC | 1 | $375,000 | $375,000 | $2,418 | 3.00% |
| GRAND FORKS, ND-MN | 1 | $365,000 | $365,000 | $955 | 3.00% |
| BROWNSVILLE-HARLINGEN, TX | 1 | $365,000 | $365,000 | $5,284 | 3.38% |
| MUSKEGON, MI | 1 | $365,000 | $365,000 | $1,305 | 3.00% |
| MOBILE, AL | 1 | $355,000 | $355,000 | $1,215 | 2.75% |
| LAS CRUCES, NM | 1 | $345,000 | $345,000 | $8,161 | 2.25% |
| SHEBOYGAN, WI | 1 | $345,000 | $345,000 | $1,529 | 3.25% |
| TERRE HAUTE, IN | 2 | $340,000 | $170,000 | $6,091 | 4.06% |
| JEFFERSON CITY, MO | 1 | $335,000 | $335,000 | $5,414 | 3.38% |
| TWIN FALLS, ID | 1 | $335,000 | $335,000 | $2,516 | 2.75% |
| TUSCALOOSA, AL | 1 | $325,000 | $325,000 | $1,215 | 3.38% |
| SHERMAN-DENISON, TX | 1 | $315,000 | $315,000 | $3,914 | 3.25% |
| KANKAKEE, IL | 1 | $315,000 | $315,000 | $1,373 | 3.00% |
| MIDLAND, MI | 1 | $315,000 | $315,000 | $955 | 2.75% |
| CASPER, WY | 1 | $315,000 | $315,000 | $2,002 | 3.50% |
| EAST STROUDSBURG, PA | 1 | $315,000 | $315,000 | $3,246 | 3.63% |
| DOTHAN, AL | 1 | $315,000 | $315,000 | $1,430 | 3.13% |
| YUMA, AZ | 1 | $315,000 | $315,000 | $1,546 | 2.75% |
| Outside of Metro Areas | 1 | $315,000 | $315,000 | $2,664 | 2.63% |
| MONROE, MI | 1 | $305,000 | $305,000 | $4,581 | 2.75% |
| BECKLEY, WV | 1 | $305,000 | $305,000 | $1,428 | 2.25% |
| TEXARKANA, TX-AR | 1 | $305,000 | $305,000 | $1,762 | 3.63% |
| GREEN BAY, WI | 1 | $305,000 | $305,000 | $5,810 | 3.25% |
| HANFORD-CORCORAN, CA | 1 | $305,000 | $305,000 | $2,368 | 2.75% |
| ST. JOSEPH, MO-KS | 1 | $305,000 | $305,000 | $3,578 | 2.88% |
| GADSDEN, AL | 1 | $285,000 | $285,000 | $9,864 | 3.49% |
| MANHATTAN, KS | 1 | $265,000 | $265,000 | $1,108 | 3.13% |
| OWENSBORO, KY | 1 | $265,000 | $265,000 | $1,063 | 2.88% |
| HAMMOND, LA | 1 | $245,000 | $245,000 | $1,650 | 3.50% |
| BLOOMSBURG-BERWICK, PA | 1 | $225,000 | $225,000 | $2,692 | 3.13% |
| YAKIMA, WA | 1 | $225,000 | $225,000 | $1,954 | 3.88% |
| MCALLEN-EDINBURG-MISSION, TX | 1 | $225,000 | $225,000 | $3,705 | 3.38% |
| SUMTER, SC | 1 | $205,000 | $205,000 | $1,405 | 3.38% |
| LINCOLN, NE | 1 | $195,000 | $195,000 | $919 | 3.50% |
| AMARILLO, TX | 1 | $175,000 | $175,000 | $3,782 | 3.88% |
| ROCKFORD, IL | 1 | $175,000 | $175,000 | $1,590 | 3.50% |
| HATTIESBURG, MS | 1 | $155,000 | $155,000 | $4,960 | 3.75% |
| JONESBORO, AR | 1 | $155,000 | $155,000 | $2,442 | 3.25% |
| LEWISTON-AUBURN, ME | 1 | $155,000 | $155,000 | $6,492 | 3.00% |
| WILLIAMSPORT, PA | 1 | $135,000 | $135,000 | $4,127 | 2.88% |
Wyndham Capital Mortgage 's top markets include Charlotte, Washington, Atlanta, Denver, and Los Angeles among others.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 6,592 | $2,543,120,000 | $385,789 |
| 3-4% | 6,222 | $2,135,470,000 | $343,213 |
| <2.5% | 1,612 | $651,670,000 | $404,262 |
| 4-5% | 195 | $53,225,000 | $272,949 |
| 5-6% | 18 | $3,730,000 | $207,222 |
| 6-7% | 1 | $975,000 | $975,000 |
During 2020, Wyndham Capital Mortgage 's average interest rate was 3.07%, while their most frequently originated rate bucket was 2.5-3%, with 6,592 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 8,323 | $2,636,395,000 | $316,760 | $2,358 | 3.08% |
| $400k-600k | 5,465 | $2,526,175,000 | $462,246 | $2,293 | 2.92% |
| $100k-200k | 665 | $107,875,000 | $162,218 | $3,537 | 3.46% |
| $600k-1MM | 165 | $112,665,000 | $682,818 | $5,072 | 3.16% |
| $100,000 or less | 19 | $1,715,000 | $90,263 | $3,923 | 3.90% |
| $1MM+ | 3 | $3,365,000 | $1,121,667 | $8,132 | 2.96% |
2020 saw Wyndham Capital Mortgage place emphasis on $200k-400k loans with 8,323 originations, totaling $2,636,395,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 4,751 | $1,741,455,000 | $366,545 | $2,338 | 3.06% |
| $150k-250k | 4,308 | $1,728,210,000 | $401,163 | $2,309 | 3.02% |
| $75k-100k | 2,095 | $688,455,000 | $328,618 | $2,556 | 3.11% |
| $250k+ | 1,264 | $550,590,000 | $435,593 | $2,365 | 2.96% |
| $50k-75k | 1,214 | $334,950,000 | $275,906 | $2,827 | 3.22% |
| $50k or less | 959 | $329,865,000 | $343,968 | $2,608 | 2.82% |
Wyndham Capital Mortgage lent most frequently to those with incomes in the $100k-150k range, with 4,751 originations. The second most popular income band? $150k-250k, with 4,308 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 4,383 | $1,618,945,000 | $369,369 | $2,214 | 3.02% |
| 30-36% | 2,736 | $1,005,150,000 | $367,379 | $2,433 | 3.06% |
| <20% | 2,560 | $951,100,000 | $371,523 | $2,138 | 2.89% |
| 37% | 446 | $160,160,000 | $359,103 | $2,700 | 3.14% |
| 38% | 436 | $163,180,000 | $374,266 | $2,492 | 3.11% |
| 41% | 428 | $157,370,000 | $367,687 | $2,580 | 3.15% |
| 42% | 422 | $155,290,000 | $367,986 | $2,526 | 3.19% |
| 40% | 416 | $154,300,000 | $370,913 | $2,525 | 3.12% |
| 36% | 410 | $154,240,000 | $376,195 | $2,511 | 3.06% |
| 44% | 408 | $145,810,000 | $357,377 | $2,890 | 3.18% |
| 43% | 407 | $144,635,000 | $355,369 | $2,596 | 3.14% |
| 39% | 401 | $150,415,000 | $375,100 | $2,580 | 3.09% |
| 45% | 230 | $82,360,000 | $358,087 | $2,622 | 3.17% |
| 49% | 215 | $79,435,000 | $369,465 | $2,999 | 3.14% |
| 47% | 212 | $72,690,000 | $342,877 | $3,216 | 3.17% |
| 46% | 198 | $73,140,000 | $369,394 | $2,748 | 3.13% |
| 48% | 193 | $70,315,000 | $364,326 | $2,904 | 3.11% |
| 50-60% | 113 | $39,025,000 | $345,354 | $5,919 | 3.25% |
| >60% | 21 | $8,995,000 | $428,333 | $3,593 | 2.81% |
Wyndham Capital Mortgage lent most frequently to those with DTI ratios of 20-30%, with 4,383 originations. The next most common DTI ratio? 30-36%, with 2,736 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 11,006 | $3,997,860,000 | $363,244 | $2,384 | 3.05% |
| Not provided | 1,620 | $610,740,000 | $377,000 | $2,547 | 3.01% |
| Asian | 1,312 | $531,590,000 | $405,175 | $2,315 | 2.98% |
| Black | 558 | $194,100,000 | $347,849 | $2,989 | 3.14% |
| American Indian | 73 | $26,005,000 | $356,233 | $2,626 | 3.13% |
| Native Hawaiian | 29 | $10,975,000 | $378,448 | $2,198 | 2.95% |
| Filipino | 11 | $4,805,000 | $436,818 | $3,407 | 2.97% |
| Chinese | 8 | $3,460,000 | $432,500 | $2,095 | 2.86% |
| Asian Indian | 8 | $3,140,000 | $392,500 | $1,721 | 2.88% |
| Other Asian | 7 | $2,285,000 | $326,429 | $4,277 | 3.00% |
| Vietnamese | 5 | $2,095,000 | $419,000 | $1,863 | 3.08% |
| Korean | 2 | $840,000 | $420,000 | $1,228 | 2.94% |
| Guamanian | 1 | $295,000 | $295,000 | $2,317 | 2.38% |
Approval Rates
Total approvals of all applications93.80%
Wyndham Capital Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination71.99%
Wyndham Capital Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 14,640 | $5,388,190,000 | $368,046 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 5 | $795,000 | $159,000 |
| Single Family (1-4 Units):Site-Built | 14,635 | $5,387,395,000 | $368,117 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 297 | $98,205,000 | $330,657 | $2,463 | 3.03% |
| 40-60% | 3,171 | $1,189,725,000 | $375,189 | $1,943 | 2.93% |
| 60-80% | 7,441 | $2,766,055,000 | $371,732 | $2,226 | 3.06% |
| 80-100% | 3,678 | $1,313,800,000 | $357,205 | $3,105 | 3.11% |
| Over 100% | 36 | $14,030,000 | $389,722 | $14,577 | 2.93% |
| Under 20% | 17 | $6,375,000 | $375,000 | $2,288 | 2.92% |