Proper Rate Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 549300YAYQAARPBTRA72
Tax ID: 84-2904615
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Proper Rate is a small mortgage company specializing in Home Purchase and Refi loans. Proper Rate 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.) Their top markets include Chicago, Denver, Niles, Atlanta, and San Francisco among others. Proper Rate has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Proper Rate is typically an average fee lendor.Originations
3,937Origination Dollar Volume (All Markets)
$1,577,755,000Relative Rate
Proper Rate 's average 30 year fixed rate mortgage of loans were
3.03%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.12%.
Relative Fees
Proper Rate 's average total fees for a 30 year fixed rate
mortgage are $4,411.
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 $4,750.
Top Markets
Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3,478 | $1,377,960,000 | $396,193 | $4,154 | 2.93% |
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 50 | $28,550,000 | $571,000 | $3,320 | 3.02% |
NILES, MI (FHA|USDA|VA) | 39 | $12,085,000 | $309,872 | $3,195 | 3.08% |
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 19 | $10,375,000 | $546,053 | $3,821 | 2.94% |
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 10 | $9,940,000 | $994,000 | $3,670 | 3.05% |
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 16 | $8,390,000 | $524,375 | $3,004 | 2.98% |
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 19 | $8,355,000 | $439,737 | $3,325 | 3.01% |
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 9 | $6,635,000 | $737,222 | $7,293 | 2.86% |
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 11 | $6,145,000 | $558,636 | $6,074 | 3.01% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 14 | $5,730,000 | $409,286 | $5,473 | 3.04% |
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 10 | $4,850,000 | $485,000 | $5,479 | 3.02% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 11 | $4,615,000 | $419,545 | $4,149 | 3.04% |
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 7 | $4,385,000 | $626,429 | $4,187 | 2.96% |
Whitewater, WI (FHA|USDA|VA) | 13 | $3,995,000 | $307,308 | $3,344 | 2.93% |
BOULDER, CO (FHA|USDA|VA) | 3 | $3,735,000 | $1,245,000 | $3,359 | 3.33% |
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 11 | $3,315,000 | $301,364 | $3,349 | 2.98% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 6 | $3,220,000 | $536,667 | $6,023 | 2.81% |
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 7 | $3,045,000 | $435,000 | $2,643 | 2.89% |
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 11 | $3,025,000 | $275,000 | $3,107 | 2.59% |
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $3,020,000 | $377,500 | $4,871 | 3.13% |
Outside of Metro Areas | 11 | $2,795,000 | $254,091 | $3,176 | 3.18% |
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $2,280,000 | $380,000 | $4,360 | 3.06% |
Holland, MI (FHA|USDA|VA) | 6 | $2,270,000 | $378,333 | $3,082 | 3.00% |
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 10 | $2,220,000 | $222,000 | $2,500 | 2.80% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $4,811 | 3.00% |
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $2,919 | 2.71% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,995,000 | $399,000 | $5,133 | 3.02% |
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $1,985,000 | $661,667 | $4,043 | 3.21% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $1,970,000 | $328,333 | $3,910 | 2.94% |
MADISON, WI (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $2,655 | 3.00% |
ST. LOUIS, MO-IL (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $2,803 | 3.08% |
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,775,000 | $591,667 | $4,284 | 3.00% |
PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $1,730,000 | $865,000 | $7,750 | 3.06% |
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 7 | $1,685,000 | $240,714 | $3,083 | 2.96% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,640,000 | $820,000 | $7,499 | 2.94% |
JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $5,319 | 3.13% |
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $3,665 | 2.63% |
FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $2,902 | 3.12% |
FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $1,515,000 | $1,515,000 | $4,563 | 2.88% |
ROCKFORD, IL (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $2,992 | 2.84% |
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $3,471 | 3.16% |
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $5,180 | 2.88% |
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $4,089 | 2.75% |
KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $2,425 | 2.50% |
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $3,322 | 3.00% |
PEORIA, IL (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $2,746 | 2.69% |
BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $3,807 | 3.00% |
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,941 | 3.13% |
WILMINGTON, NC (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 3.50% |
COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,530 | 2.88% |
CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $5,236 | 3.25% |
Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $4,875 | 3.13% |
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $5,977 | 2.99% |
COLUMBIA, MO (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $1,965 | 3.00% |
TUCSON, AZ (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $5,247 | 3.19% |
CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $2,424 | 3.46% |
OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,092 | 2.56% |
WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $4,056 | 3.25% |
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,813 | 2.81% |
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,078 | 3.00% |
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $2,508 | 2.88% |
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,097 | 2.94% |
SALINAS, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,508 | 3.25% |
Ludington, MI (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,293 | 3.25% |
Lake City, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,171 | 3.13% |
IOWA CITY, IA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $9,086 | 2.63% |
GREELEY, CO (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $928 | 2.25% |
Traverse City, MI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,993 | 2.50% |
JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,832 | 2.93% |
CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,264 | 2.88% |
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,111 | 2.93% |
RACINE, WI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,821 | 2.81% |
SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,659 | 2.25% |
PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,819 | 2.38% |
GAINESVILLE, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,073 | 3.00% |
Madison, IN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,884 | 2.38% |
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,843 | 3.00% |
BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,659 | 2.75% |
COLUMBUS, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,374 | 2.88% |
Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,368 | 2.25% |
Key West, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,161 | 2.50% |
KNOXVILLE, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,268 | 2.99% |
Dayton, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,909 | 3.25% |
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,328 | 2.88% |
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,333 | 3.00% |
Shawano, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,903 | 3.25% |
Ottawa, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,316 | 3.13% |
Marquette, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,098 | 2.25% |
ASHEVILLE, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,111 | 2.75% |
Rochelle, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,023 | 2.99% |
Cedartown, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,349 | 3.25% |
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,332 | 2.99% |
RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.50% |
TYLER, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,614 | 3.13% |
Baraboo, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,132 | 3.63% |
FORT WAYNE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,348 | 2.00% |
Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 2.88% |
DECATUR, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,541 | 2.99% |
TOLEDO, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.38% |
Proper Rate 's top markets include Chicago, Denver, Niles, Atlanta, and San Francisco among others.
Product Mix
Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Conventional | 3,849 | $1,550,255,000 | $402,768 | $4,008 | 2.94% |
FHA | 65 | $18,365,000 | $282,538 | $9,278 | 2.93% |
VA | 23 | $9,135,000 | $397,174 | $6,567 | 2.83% |
For the 2021 period, Proper Rate 's most frequently originated loan type of loans were Conventional, with 3,849 originations. Their 2nd most popular type is FHA, with 65 originations.
Loan Reason
Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Home Purchase | 2,089 | $858,585,000 | $411,003 | $5,484 | 2.99% |
Refi | 1,464 | $581,550,000 | $397,234 | $2,414 | 2.83% |
Cash Out Refi | 384 | $137,620,000 | $358,385 | $2,882 | 3.08% |
For the 2021, Proper Rate 's most frequently cited loan purpose of loans were Home Purchase, with 2,089 originations. The 2nd most popular reason of loans were Refi, with 1,464 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
30 Year | 3,208 | $1,364,110,000 | $425,221 | $4,411 | 3.03% |
15 Year | 522 | $151,930,000 | $291,054 | $2,851 | 2.45% |
20 Year | 146 | $44,200,000 | $302,740 | $2,525 | 2.82% |
10 Year | 40 | $8,690,000 | $217,250 | $2,311 | 2.34% |
Other | 21 | $8,825,000 | $420,238 | $2,453 | 2.83% |
For the 2021, Proper Rate 's most frequently cited loan length of loans were 30 Year, with 3,208 originations. The 2nd most popular length of loans were 15 Year, with 522 originations.
Origination Fees
Origination Fee | Originations | Total Value | Average Loan |
---|---|---|---|
$1k-2k | 3,451 | $1,399,445,000 | $405,519 |
$2k-3k | 126 | $47,610,000 | $377,857 |
$3k-4k | 82 | $37,580,000 | $458,293 |
$5k+ | 42 | $26,820,000 | $638,571 |
$<1k | 40 | $12,200,000 | $305,000 |
$4,411 of loans were Proper Rate 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 3,451 originations.
Interest Rates
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
2.5-3% | 2,139 | $902,205,000 | $421,788 |
3-4% | 1,269 | $499,665,000 | $393,747 |
<2.5% | 506 | $167,120,000 | $330,277 |
4-5% | 23 | $8,765,000 | $381,087 |
During 2021, Proper Rate 's average interest rate of loans were 3.03%, while their most frequently originated rate bucket of loans were 2.5-3%, with 2,139 originations.
Loan Sizing
Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
$200k-400k | 1,718 | $508,750,000 | $296,129 | $3,909 | 2.93% |
$400k-600k | 1,011 | $492,305,000 | $486,949 | $4,296 | 2.95% |
$100k-200k | 596 | $93,530,000 | $156,930 | $3,622 | 2.94% |
$600k-1MM | 427 | $319,235,000 | $747,623 | $4,621 | 3.02% |
$1MM+ | 124 | $158,960,000 | $1,281,935 | $5,950 | 2.92% |
$100,000 or less | 61 | $4,975,000 | $81,557 | $3,229 | 2.79% |
2021 saw Proper Rate place emphasis on $200k-400k loans with 1,718 originations, totaling $508,750,000 in origination value.
Applicant Income
Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
$150k-250k | 1,164 | $502,880,000 | $432,027 | $4,003 | 2.94% |
$100k-150k | 939 | $316,725,000 | $337,300 | $3,941 | 2.92% |
$250k+ | 786 | $506,680,000 | $644,631 | $4,258 | 2.92% |
$75k-100k | 508 | $140,630,000 | $276,831 | $4,200 | 2.98% |
$50k-75k | 414 | $91,070,000 | $219,976 | $4,400 | 2.96% |
$50k or less | 121 | $17,755,000 | $146,736 | $4,098 | 3.00% |
Proper Rate lent most frequently to those with incomes in the $150k-250k range, with 1,164 originations. The second most popular income band? $100k-150k, with 939 originations.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
20-30% | 1,181 | $477,625,000 | $404,424 | $3,871 | 2.91% |
30-36% | 778 | $339,990,000 | $437,005 | $4,173 | 2.96% |
<20% | 485 | $189,385,000 | $390,485 | $3,466 | 2.80% |
42% | 143 | $62,555,000 | $437,448 | $4,607 | 3.03% |
38% | 131 | $49,655,000 | $379,046 | $4,053 | 3.02% |
40% | 128 | $53,290,000 | $416,328 | $4,530 | 3.04% |
41% | 128 | $59,850,000 | $467,578 | $4,549 | 2.98% |
39% | 124 | $51,030,000 | $411,532 | $4,156 | 3.03% |
36% | 121 | $49,155,000 | $406,240 | $4,296 | 3.03% |
37% | 114 | $42,030,000 | $368,684 | $4,031 | 3.02% |
44% | 107 | $37,485,000 | $350,327 | $4,744 | 3.03% |
43% | 93 | $30,635,000 | $329,409 | $4,472 | 2.98% |
49% | 86 | $28,800,000 | $334,884 | $5,099 | 2.91% |
45% | 83 | $26,875,000 | $323,795 | $4,448 | 2.95% |
47% | 75 | $23,195,000 | $309,267 | $4,475 | 2.94% |
48% | 65 | $21,945,000 | $337,615 | $4,349 | 3.00% |
46% | 62 | $22,880,000 | $369,032 | $4,502 | 2.95% |
50-60% | 27 | $8,885,000 | $329,074 | $7,574 | 2.94% |
>60% | 1 | $475,000 | $475,000 | $4,297 | 3.63% |
Proper Rate lent most frequently to those with DTI ratios of 20-30%, with 1,181 originations. The next most common DTI ratio? 30-36%, with 778 originations.
Ethnicity Mix
Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
White | 3,130 | $1,254,850,000 | $400,911 | $4,026 | 2.94% |
Not provided | 451 | $181,595,000 | $402,650 | $4,291 | 2.93% |
Asian | 195 | $81,045,000 | $415,615 | $4,540 | 2.93% |
Black | 90 | $30,670,000 | $340,778 | $4,862 | 2.99% |
Asian Indian | 22 | $10,500,000 | $477,273 | $5,129 | 2.84% |
American Indian | 18 | $5,640,000 | $313,333 | $4,086 | 2.99% |
Filipino | 8 | $3,570,000 | $446,250 | $4,516 | 2.95% |
Other Asian | 7 | $2,995,000 | $427,857 | $4,173 | 2.82% |
Korean | 5 | $2,195,000 | $439,000 | $5,255 | 2.80% |
Japanese | 3 | $1,945,000 | $648,333 | $5,214 | 3.62% |
Chinese | 4 | $1,370,000 | $342,500 | $5,263 | 3.03% |
Native Hawaiian | 2 | $920,000 | $460,000 | $4,367 | 3.18% |
Vietnamese | 2 | $460,000 | $230,000 | $2,391 | 2.38% |
Approval Rates
Total approvals of all applications98.26%
Proper Rate has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination60.07%
Proper Rate 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 | 3,937 | $1,577,755,000 | $400,751 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
3,937 | $1,577,755,000 | $400,751 |
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
20-40% | 149 | $40,055,000 | $268,826 | $3,230 | 2.74% |
40-60% | 566 | $199,850,000 | $353,092 | $2,924 | 2.74% |
60-80% | 1,815 | $776,875,000 | $428,030 | $3,675 | 2.97% |
80-100% | 1,391 | $556,585,000 | $400,133 | $5,167 | 3.01% |
Over 100% | 1 | $705,000 | $705,000 | $28,521 | 2.75% |
Under 20% | 15 | $3,685,000 | $245,667 | $3,037 | 2.36% |
Complaints
Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
PREFERRED MORTGAGE CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |