Beeline Loans Mortgage Rates, Fees & Info
PROVIDENCE, RILEI: 984500F03B9034CQB904
Tax ID: 83-2178626
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Mortgage Data
Review & Overview
Beeline Loans is a smaller mortgage company specializing in Refi and Cash Out Refi loans. Beeline Loans has a high proportion of conventional loans. Their top markets by origination volume include: Washington, Boston, Houston, Dallas, and Phoenix among others. We have data for 119 markets. (Some data included below & more in-depth data is available with an active subscription.)Beeline Loans has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Beeline Loans is typically a low 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/18/24 |
| 30 Year Conventional Purchase | 6.62% | 4/18/24 |
| 30 Year Conventional Refi | 6.17% | 4/18/24 |
| 30 Year Cash-out Refi | 6.50% | 4/18/24 |
| 15 Year Conventional Purchase | 5.84% | 4/18/24 |
| 15 Year Conventional Refi | 5.56% | 4/18/24 |
| 15 Year Cash-out Refi | 5.56% | 4/18/24 |
| 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. | ||
Beeline Loans Mortgage Calculator
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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
1,192Origination Dollar Volume (All Markets)
$352,720,000Awards
Beeline Loans - 2021
Beeline Loans is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 143 | $50,195,000 | $351,014 | $2,190 | 2.51% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 123 | $46,605,000 | $378,902 | $3,084 | 2.60% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 145 | $32,815,000 | $226,310 | $3,719 | 2.89% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 86 | $24,100,000 | $280,233 | $3,500 | 2.66% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 59 | $19,555,000 | $331,441 | $4,328 | 2.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 56 | $16,930,000 | $302,321 | $2,533 | 2.66% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 45 | $13,765,000 | $305,889 | $3,773 | 2.58% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 39 | $11,515,000 | $295,256 | $3,865 | 2.60% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 28 | $7,920,000 | $282,857 | $2,885 | 2.96% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 26 | $7,570,000 | $291,154 | $2,280 | 2.81% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 28 | $7,260,000 | $259,286 | $3,540 | 2.70% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 25 | $7,085,000 | $283,400 | $2,827 | 2.70% |
| RICHMOND, VA (FHA|USDA|VA) | 20 | $7,040,000 | $352,000 | $2,595 | 2.73% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 23 | $6,745,000 | $293,261 | $2,532 | 2.76% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 23 | $6,405,000 | $278,478 | $4,175 | 2.55% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 21 | $6,035,000 | $287,381 | $2,649 | 2.76% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 18 | $5,300,000 | $294,444 | $2,386 | 2.55% |
| Outside of Metro Areas | 17 | $4,705,000 | $276,765 | $3,234 | 2.79% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 14 | $3,750,000 | $267,857 | $1,973 | 2.54% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 12 | $3,510,000 | $292,500 | $2,830 | 2.68% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 10 | $3,410,000 | $341,000 | $2,533 | 2.90% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 9 | $2,855,000 | $317,222 | $2,344 | 2.64% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 8 | $2,460,000 | $307,500 | $3,921 | 2.98% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 8 | $2,200,000 | $275,000 | $1,795 | 2.62% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $2,065,000 | $295,000 | $2,777 | 2.45% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $2,233 | 2.43% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $1,795,000 | $256,429 | $2,765 | 2.39% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $3,167 | 2.75% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $3,093 | 2.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $3,786 | 2.82% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $1,706 | 2.77% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $2,051 | 2.75% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $2,274 | 2.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $2,311 | 2.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $3,988 | 2.69% |
| ROANOKE, VA (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $2,771 | 2.60% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $2,903 | 2.80% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $2,309 | 2.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $4,772 | 2.37% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $1,667 | 2.31% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $2,127 | 3.09% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $2,810 | 2.69% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $5,411 | 2.71% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $3,247 | 2.56% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,597 | 2.33% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $1,733 | 2.41% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $3,259 | 2.96% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,032 | 2.83% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $997 | 2.44% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $1,750 | 3.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $2,001 | 3.46% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $1,702 | 2.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $2,229 | 2.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,011 | 2.67% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,126 | 2.74% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $2,119 | 3.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,193 | 2.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,896 | 2.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,879 | 3.25% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $1,717 | 2.88% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,592 | 2.88% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $1,455 | 3.00% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,402 | 2.31% |
| FLINT, MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $1,100 | 3.06% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,136 | 2.44% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,489 | 2.56% |
| Wooster, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,592 | 3.12% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,611 | 3.19% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,252 | 2.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $9,353 | 2.38% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,899 | 1.99% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $1,468 | 2.56% |
| Montrose, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,399 | 2.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,020 | 2.56% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $1,804 | 2.56% |
| Danville, VA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,612 | 2.56% |
| TYLER, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,119 | 1.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,101 | 1.75% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,501 | 2.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,178 | 1.75% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,042 | 2.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,738 | 2.13% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,926 | 2.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,895 | 2.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,186 | 1.88% |
| Alpena, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,411 | 1.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,886 | 2.13% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,170 | 2.88% |
| Boone, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,317 | 3.00% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,339 | 2.75% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,401 | 1.99% |
| Newberry, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,929 | 2.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,204 | 2.88% |
| Easton, MD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,040 | 2.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $941 | 2.63% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,807 | 2.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,965 | 2.63% |
| Granbury, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,150 | 2.13% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,552 | 2.99% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,141 | 2.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,905 | 2.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,731 | 2.88% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,169 | 2.88% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,761 | 2.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,968 | 1.99% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,159 | 3.13% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,666 | 2.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,433 | 2.00% |
| Seneca, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,990 | 2.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,070 | 3.25% |
| MONROE, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $854 | 2.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,254 | 2.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,269 | 2.00% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $869 | 2.63% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,909 | 3.38% |
| OCALA, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,281 | 3.50% |
| Dixon, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,547 | 3.25% |
| NILES, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $854 | 3.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,577 | 2.63% |
Similar Lenders
We use machine learning to identify the top lenders compared against Beeline Loans based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,192 | $352,720,000 | $295,906 | $3,066 | 2.69% |
For 2021, Beeline Loans's most frequently originated type of loan was Conventional, with 1,192 originations.
Loan Reason
For 2021, Beeline Loans's most frequently cited loan purpose was Refi, with 577 originations. The 2nd most popular reason was Cash Out Refi, with 484 originations.
Loan Duration/Length
For 2021, Beeline Loans's most frequently cited loan duration was 30 Year, with 799 originations. The 2nd most popular length was 15 Year, with 255 originations.
Origination Fees/Closing Costs
Beeline Loans's average total fees were $3,239, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 862 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 528 | $159,230,000 | $301,572 |
| <2.5% | 445 | $140,145,000 | $314,933 |
| 3-4% | 214 | $52,260,000 | $244,206 |
| 4-5% | 5 | $1,085,000 | $217,000 |
During 2021, Beeline Loans's average interest rate for loans was 2.90%, while their most frequently originated rate bucket for loans was 2.5-3%, with 528 originations.
Loan Sizing
2021 saw Beeline Loans place emphasis on $200k-400k loans with 667 originations, totaling $191,895,000 in origination value.
Applicant Income
Beeline Loans lent most frequently to those with incomes in the $100k-150k range, with 391 originations. The second most popular income band? $150k-250k, with 301 originations.
Applicant Debt to Income Ratio
Beeline Loans lent most frequently to those with DTI ratios of 20-30%, with 67 originations. The next most common DTI ratio? 30-36%, with 50 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.57%
Beeline Loans has a below average approval rate.
Pick Rate
Approvals leading to origination-15.69%
Beeline 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 |
|---|---|---|---|
| NA | 1,192 | $352,720,000 | $295,906 |