Sebastian - Vero Beach Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Sebastian - Vero Beach averaged 5.3% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.37% and one month ago for the week of 2022-04-07, the average rate was 4.72%.

Sebastian - Vero Beach's average rate one year ago was 2.99%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.4%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Sebastian - Vero Beach 30 Year Fixed Rate 2022-05-12 5.3%
Sebastian - Vero Beach 30 Year Fixed Rate Refi 2022-05-12 5.4%
Sebastian - Vero Beach 15 Year Fixed Rate 2022-05-12 4.82%
Sebastian - Vero Beach 15 Year Fixed Rate Refi 2022-05-12 4.66%
Sebastian - Vero Beach 30 Year FHA 2022-05-12 5.2%
Sebastian - Vero Beach 30 Year FHA Refi 2022-05-12 5.23%
Sebastian - Vero Beach 30 Year USDA 2022-05-12 4.98%
Sebastian - Vero Beach 30 Year USDA Refi 2022-05-12 5.26%
Sebastian - Vero Beach 30 Year VA 2022-05-12 5.32%
Sebastian - Vero Beach 30 Year VA Refi 2022-05-12 4.95%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sebastian-Vero Beach, FL.

Sebastian - Vero Beach Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Sebastian-Vero Beach, FL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 474 3.06% $5,280
CALIBER HOME LOANS, INC. 448 3.25% $4,603
UNITED WHOLESALE MORTGAGE, LLC 207 3.05% $4,993
ACADEMY MORTGAGE CORPORATION 154 3.14% $4,918
BAYSHORE MORTGAGE FUNDING, LLC 152 3.13% $4,933
South State Bank 143 3.28% $4,994
DHI MORTGAGE COMPANY, LTD. 139 3.02% $3,369
Wells Fargo Bank 119 3.04% $5,202
MOVEMENT MORTGAGE, LLC 116 3.18% $3,820
LOANDEPOT.COM, LLC 109 3.04% $5,225
JPMorgan Chase Bank 106 2.96% $5,528
SPACE COAST Credit Union 100 3.26% $2,445
Bank of America 93 2.85% $5,154
UNION HOME MORTGAGE CORP. 79 3.01% $4,232
GUARANTEED RATE, INC. 78 3.13% $4,149
FBC MORTGAGE, LLC 73 3.17% $4,264
Mr. Cooper ( Nationstar Mortgage ) 68 3.29% $5,069
Seacoast National Bank 63 2.97% $4,137
AMERISAVE MORTGAGE CORPORATION 57 2.89% $4,982
TOTAL MORTGAGE SERVICES, LLC 56 3.24% $4,462
PENNYMAC LOAN SERVICES, LLC 56 3.16% $6,078
U.S. Bank 51 3.09% $6,577
PNC Bank 50 3.06% $5,176
NEWREZ LLC 47 3.09% $4,838
BETTER MORTGAGE CORPORATION 43 2.92% $3,688
RADIUS FINANCIAL GROUP INC. 41 3.29% $3,899
CROSSCOUNTRY MORTGAGE, LLC 41 3.20% $7,451
TD Bank 40 3.08% $4,131
PULTE MORTGAGE LLC 39 3.12% $2,297
Truist Bank 38 2.93% $4,577
THE MORTGAGE FIRM, INC. 36 3.11% $4,843
Flagstar Bank, FSB 35 3.13% $5,743
FREEDOM MORTGAGE CORPORATION 33 3.23% $2,347
GROUP ONE MORTGAGE, INC. 31 3.12% $4,401
NAVY FEDERAL CREDIT UNION 30 3.33% $3,599
HOME POINT FINANCIAL CORPORATION 30 3.21% $5,265
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 27 3.12% $4,344
SHELTER MORTGAGE COMPANY, L.L.C. 27 3.15% $3,885
NVR Mortgage Finance, Inc. 27 3.13% $6,216
BAY CAPITAL MORTGAGE CORPORATION 26 3.21% $6,829
MIDFLORIDA 26 3.16% $3,614
Morgan Stanley Private Bank 25 2.63% $7,954
MUTUAL OF OMAHA MORTGAGE, INC. 24 3.12% $4,605
Mortgage Lenders Investment Trading Corporation 20 3.53% $3,024
City National Bank of Florida 20 3.15% $5,215
HOMEBRIDGE FINANCIAL SERVICES, INC. 19 3.06% $4,728
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 19 3.20% $4,198
Charles Schwab Bank, SSB 18 2.21% $8,494
BROKER SOLUTIONS, INC. 18 3.11% $5,239
SWBC MORTGAGE CORPORATION 17 2.72% $4,189
Paramount Residential Mortgage Group, Inc. 17 3.42% $5,499
Citizens Bank 17 3.07% $4,146
ITHINK FINANCIAL Credit Union 16 2.87% $5,837
NP, Inc. 15 3.41% $5,087
TrustCo Bank 15 3.01% $2,381
PRIMARY RESIDENTIAL MORTGAGE, INC. 15 3.24% $6,130
PRIMELENDING, A PLAINSCAPITAL COMPANY 14 3.14% $5,046
Chicago Mortgage Solutions LLC 14 3.26% $3,301
HOMESIDE FINANCIAL, LLC 13 3.23% $4,269
Regions Bank 13 3.04% $5,123
HAMILTON HOME LOANS, INC. 13 3.40% $5,815
AMERICAN FINANCING CORPORATION 12 3.15% $4,075
EMM LOANS LLC 12 3.51% $4,413
Valley National Bank 12 3.16% $4,020
GUARANTEED RATE AFFINITY, LLC 12 3.02% $4,156
UBS Bank USA 12 2.73% $7,840
First Republic Bank 11 2.81% $11,953
HARBORONE MORTGAGE, LLC 11 2.93% $3,739
Plains Commerce Bank 10 2.98% $5,738
PROVIDENT FUNDING ASSOCIATES, L.P. 10 2.66% $4,053
PENTAGON FEDERAL CREDIT UNION 10 3.03% $2,661
AMERICAN FINANCIAL NETWORK, INC. 10 3.32% $10,748
EMBRACE HOME LOANS, INC. 10 2.96% $5,106
The Northern Trust Company 10 2.80% $14,461
Citibank 10 2.99% $9,685
Wyndham Capital Mortgage, Inc. 10 2.86% $1,735
ANGEL OAK MORTGAGE SOLUTIONS LLC 9 4.44% $15,318
EVERETT FINANCIAL, INC. 9 3.31% $3,043
The Huntington National Bank 9 2.99% $8,964
Atlantic Coast Mortgage, LLC 9 3.01% $5,593
Third Federal Savings and Loan Association of Cleveland 9 2.81% $2,398
Christensen Financial, Inc. 9 3.15% $4,706
KeyBank 8 2.63% $6,865
ACOPIA, LLC 8 3.22% $5,847
ROYAL UNITED MORTGAGE LLC 8 3.06% $6,719
PLANET HOME LENDING, LLC 8 2.87% $4,378
EAGLE HOME MORTGAGE, LLC 8 3.03% $3,557
NFM, INC. 8 3.16% $5,800
ZILLOW HOME LOANS, LLC 8 3.03% $4,498
First Horizon Bank 8 2.82% $8,520
Goldman Sachs Bank USA 8 2.76% $9,386
SUCCESS MORTGAGE PARTNERS, INC. 7 2.88% $3,807
LAKEVIEW LOAN SERVICING, LLC 7 3.13% $3,731
Arvest Bank 7 3.23% $3,104
First Guaranty Mortgage Corporation 7 3.23% $4,276
AMERICAN PACIFIC MORTGAGE CORPORATION 7 3.36% $4,682
InterContinental Capital Group, Inc 7 3.29% $4,797
Nations Lending Corporation 7 3.41% $6,863
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 7 3.14% $4,285
Waterstone Mortgage Corporation 7 3.32% $5,519
KELLER MORTGAGE, LLC 7 3.20% $2,309
City National Bank 6 2.58% $6,649
Prosperity Home Mortgage, LLC 6 3.27% $3,689
Ally Bank 6 3.04% $4,626
Stifel Bank and Trust 6 2.69% $6,223
VAN DYK MORTGAGE CORPORATION 6 3.33% $4,864
Synovus Bank 6 3.10% $11,842
FINANCE OF AMERICA MORTGAGE LLC 6 3.00% $7,794
STEARNS LENDING, LLC 5 3.07% $4,506
MID AMERICA MORTGAGE, INC. 5 3.13% $5,005
GREAT WESTERN FINANCIAL SERVICES, INC. 5 3.13% $4,498
BNY Mellon 5 2.48% $9,084
FIDELITY FUNDING MORTGAGE CORP. 5 3.20% $5,601
NJ LENDERS CORP. 5 2.90% $7,141
DRAPER AND KRAMER MORTGAGE CORP. 5 2.88% $5,568
Carrington Mortgage Services, LLC 5 4.00% $4,711
RBC Bank, (Georgia) 5 2.85% $4,888
Mortgage Research Center, LLC 5 2.88% $3,850
LADERA LENDING, INC. 5 2.93% $3,040
GENEVA FINANCIAL, LLC 5 3.28% $4,854
BAY EQUITY LLC 4 3.12% $4,184
Alcova Mortgage LLC 4 3.19% $2,837
Manufacturers and Traders Trust Company 4 2.91% $4,331
BMO Harris Bank 4 2.91% $10,577
Bank of England 4 3.25% $6,629
NEXERA HOLDING LLC 4 4.84% $19,813
NETWORK CAPITAL FUNDING CORPORATION 4 3.50% $5,649
NBKC BANK 4 2.78% $2,925
ARC HOME LLC 4 4.21% $8,286
LOANPAL, LLC 4 3.09% $7,186
GUILD MORTGAGE COMPANY 4 3.63% $5,405
NORTHROP GRUMMAN Federal Credit Union 3 3.00% $3,782
RESIDENTIAL MORTGAGE SERVICES, INC. 3 3.13% $3,342
DAS Acquisition Company, LLC 3 3.04% $2,971
Fifth Third Bank 3 3.21% $3,884
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 3.37% $7,592
Raymond James Bank 3 3.25% $6,936
Baxter Credit Union 3 2.88% $4,954
CHURCHILL MORTGAGE CORPORATION 3 3.12% $3,449
HOMEXPRESS MORTGAGE CORP. 3 5.42% $8,136
Advisors Mortgage Group, L.L.C. 3 3.50% $4,383
FM Home Loans, LLC 3 2.92% $5,397
CORNERSTONE HOME LENDING, INC. 3 3.00% $5,208
PHH Mortgage Corporation 3 4.21% $4,475
Pinnacle Bank 3 3.42% $5,532
CAPITAL PARTNERS MORTGAGE, LLC 3 3.29% $5,018
Leader Bank 3 2.67% $6,062
CREDIT UNION MORTGAGE ASSOCIATION, INC. 3 2.96% $3,369
CELEBRITY HOME LOANS, LLC 3 2.96% $2,982
DIGITAL Federal Credit Union 3 3.08% $6,804
LOANSNAP, INC. 3 2.91% $2,916
Quontic Bank 3 4.88% $26,269
AMERIFIRST FINANCIAL CORPORATION 3 2.96% $7,641
North American Savings Bank, F.S.B. 3 3.83% $5,299
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 3.13% $4,156
TIAA, FSB 3 3.13% $12,086
MLD MORTGAGE INC. 2 2.94% $5,078
1ST FINANCIAL, INC. 2 3.43% $6,964
AMERICAN INTERNET MORTGAGE, INC. 2 2.81% $2,752
American Security Mortgage Corp. 2 2.56% $4,491
AmeriHome Mortgage Company, LLC 2 3.06% $3,752
Atlantic Union Bank 2 3.31% $5,452
BancorpSouth Bank 2 3.37% $6,137
Bell Bank 2 3.12% $6,438
Century Mortgage Company DBA Century Lending Company 2 3.13% $3,597
CHAMPIONS MORTGAGE LLC 2 2.81% $5,098
Discover Bank 2 3.99% $0
DYBN FINANCIAL CORP. 2 3.25% $3,563
EQUITY RESOURCES, INC. 2 3.06% $2,918
FAMILY FIRST FUNDING LLC 2 3.06% $6,486
First American Bank 2 2.81% $5,588
FirstBank 2 3.13% $3,633
First Federal Bank 2 2.88% $5,129
First Home Bank 2 3.13% $4,409
First Mortgage Solutions, LLC 2 2.88% $2,991
First State Bank of St. Charles, Missouri 2 3.00% $3,394
Goldwater Bank, N.A. 2 3.06% $6,073
Greenbox Loans, Inc. 2 5.50% $19,168
GSF Mortgage Corporation 2 3.63% $6,066
HANCOCK MORTGAGE PARTNERS, LLC 2 3.50% $7,077
HOMEOWNERS FINANCIAL GROUP USA, LLC 2 3.38% $5,631
IMPAC MORTGAGE CORP. 2 3.12% $3,163
INTERCOASTAL MORTGAGE COMPANY 2 3.38% $7,640
Keystone Funding, Inc. 2 3.00% $2,197
LAKE MICHIGAN CREDIT UNION 2 3.38% $7,322
LENDERFI, INC. 2 3.38% $3,176
MICHIGAN MUTUAL, INC. 2 2.88% $22,536
MidFirst Bank 2 3.35% $5,164
NATIONWIDE MORTGAGE BANKERS, INC. 2 3.88% $4,966
Northpointe Bank 2 3.06% $3,058
PLAZA HOME MORTGAGE, INC. 2 3.38% $3,084
RUOFF MORTGAGE COMPANY, INC. 2 2.63% $3,280
Strong Home Mortgage, LLC 2 2.81% $1,198
Summit Mortgage Corporation 2 3.31% $3,697
TEACHERS 2 2.81% $4,926
The Home Loan Expert LLC 2 3.00% $3,813
Towne Bank 2 3.06% $3,068
USAA Federal Savings Bank 2 2.88% $6,580
WESTERN EXPRESS LENDING 2 3.19% $4,001
WILLIAM RAVEIS MORTGAGE, LLC 2 2.94% $3,819
WINGS FINANCIAL 2 2.88% $3,682
LIBERTY HOME MORTGAGE CORPORATION 1 2.88% $6,798
GREENTREE MORTGAGE COMPANY, L.P. 1 3.38% $2,777
Great Southern Bank 1 3.25% $4,388
Loan Simple, Inc. 1 0.00% $0
Gold Coast Bank 1 2.75% $8,357
Luxury Mortgage Corp. 1 3.63% $3,496
Magnolia Bank 1 3.75% $2,653
George Mason Mortgage, LLC 1 2.99% $2,879
MCLEAN MORTGAGE CORPORATION 1 2.75% $3,606
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 3.13% $6,480
A&D Mortgage LLC 1 3.99% $12,448
Genesee Regional Bank 1 3.63% $4,712
Mid-Continent Funding, Inc. 1 3.38% $7,415
ALTRA 1 3.10% $2,109
Gateway First Bank 1 3.00% $3,385
1st Constitution Bank 1 2.63% $3,636
FUNDLOANS CAPITAL 1 4.38% $12,606
MORTGAGE 1 INCORPORATED 1 3.50% $4,327
MORTGAGE ACCESS CORP. 1 2.88% $4,131
Mortgage Bank of California 1 5.88% $23,175
MORTGAGE EQUITY PARTNERS LLC 1 3.38% $6,899
MORTGAGE INVESTORS GROUP, INC. 1 3.00% $3,833
FRANKLIN MINT 1 3.25% $14,022
Frandsen Bank & Trust 1 2.75% $8,020
FOUNDATION MORTGAGE CORPORATION 1 3.13% $4,765
Forcht Bank 1 3.25% $3,200
First United Bank and Trust Company 1 3.88% $5,766
FIRST STATE MORTGAGE SERVICES, LLC 1 3.25% $4,993
NATIONS RELIABLE LENDING, LLC 1 2.88% $10,121
US MORTGAGE CORPORATION 1 3.13% $3,063
First Savings Bank 1 3.38% $4,262
First Midwest Bank 1 2.88% $2,688
First Internet Bank of Indiana 1 2.38% $5,303
FIRST HOME MORTGAGE CORPORATION 1 2.25% $15,281
FIRST COMMUNITY MORTGAGE, INC. 1 3.00% $3,673
First Citizens National Bank 1 3.25% $12,600
First-Citizens Bank & Trust Company 1 3.50% $4,702
FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.50% $2,608
Uwharrie Bank 1 3.25% $1,735
NORTHPOINT MORTGAGE, INC. 1 2.88% $3,153
First Bank 1 3.00% $4,667
Northwest Federal Credit Union 1 3.38% $3,688
NORWICH COMMERCIAL GROUP, INC. 1 3.63% $4,689
Notre Dame Federal Credit Union Corporation 1 3.13% $8,415
NOVA FINANCIAL & INVESTMENT CORPORATION 1 2.75% $1,961
FAIRWINDS CREDIT UNION 1 3.25% $3,389
N R L Federal Credit Union 1 2.88% $8,470
NUMARK CREDIT UNION 1 3.25% $2,724
FAIRWAY FUNDING GROUP, INC. 1 2.99% $4,961
OceanFirst Bank 1 2.88% $3,839
OPEN MORTGAGE, LLC 1 2.88% $4,343
Paramount Bank 1 3.13% $5,082
Evolve Bank & Trust 1 2.75% $4,170
PARKSIDE LENDING, LLC 1 3.25% $17,272
Peapack-Gladstone Bank 1 2.88% $3,514
Evesham Mortgage, LLC 1 2.75% $3,161
EVANSVILLE TEACHERS 1 3.25% $4,048
People's United Bank 1 2.88% $5,351
ENVOY MORTGAGE, LTD 1 4.38% $4,499
ENDEAVOR CAPITAL, LLC. 1 2.88% $4,109
Dollar Bank, Federal Savings Bank 1 2.75% $6,050
DIRECT MORTGAGE LOANS, LLC 1 2.75% $3,914
ALLIED MORTGAGE GROUP, INC. 1 2.88% $885
DELMAR FINANCIAL COMPANY 1 2.50% $3,730
POLICE & FIRE 1 3.25% $2,722
DEEPHAVEN MORTGAGE LLC 1 4.63% $10,653
CONTOUR MORTGAGE CORPORATION 1 3.50% $9,388
COMPASS MORTGAGE, INC. 1 3.38% $3,739
Commonwealth Bank and Trust Company 1 3.00% $6,656
Comerica Bank 1 3.13% $6,932
COLUMBUS CAPITAL LENDING, LLC 1 4.50% $6,654
Colonial Savings, F.A. 1 2.88% $3,329
COLONIAL MORTGAGE SERVICE COMPANY OF AMERICA 1 2.75% $5,914
CIBC Bank USA 1 2.38% $16,291
CHEVRON 1 3.25% $11,452
CHERRY CREEK MORTGAGE, LLC 1 2.88% $1,551
RESIDENTIAL HOME MORTGAGE CORPORATION 1 3.63% $9,888
Cf Bank 1 2.50% $1,871
RESOURCE FINANCIAL SERVICES, INC. 1 2.75% $3,007
CERTAINTY HOME LOANS, LLC 1 3.50% $5,440
AHL FUNDING 1 3.63% $4,475
Carrollton Bank 1 3.38% $2,295
SECURITYNATIONAL MORTGAGE COMPANY 1 3.50% $6,024
Servion, Inc. 1 2.75% $4,478
Capital City Home Loans, LLC 1 2.50% $4,386
Sierra Pacific Mortgage Company, Inc. 1 2.75% $8,521
SIGNATURE MORTGAGE CORPORATION 1 2.63% $6,313
Silicon Valley Bank 1 2.25% $19,966
SOFI LENDING CORP. 1 2.88% $4,081
Southern Mass Credit Union 1 3.13% $2,836
SOUTHPOINT FINANCIAL SERVICES, INC. 1 2.75% $5,356
BRIGHTSTAR 1 2.88% $5,888
SOVEREIGN LENDING GROUP INCORPORATED 1 2.88% $6,143
Boston Private Bank & Trust Company 1 2.75% $4,292
BOND STREET MORTGAGE, LLC 1 3.25% $5,738
BOKF 1 3.25% $4,780
STOCKTON MORTGAGE CORPORATION 1 3.50% $4,797
Vibrant Credit Union 1 2.99% $3,207
Bogota Savings Bank 1 3.00% $3,872
AFFINITY 1 3.00% $3,020
Suncoast Credit Union 1 3.00% $1,463
SUN WEST MORTGAGE COMPANY, INC. 1 2.99% $5,146
BLUELEAF LENDING, LLC 1 3.25% $3,427
BEST CAPITAL FUNDING 1 2.75% $3,010
Beeline Loans, Inc. 1 3.13% $1,159
WEBSTER FIRST Federal Credit Union 1 3.25% $4,021
THE BRYN MAWR TRUST COMPANY 1 3.88% $6,541
The Cortland Savings and Banking Company 1 2.75% $3,096
The Federal Savings Bank 1 3.38% $3,661
ADVANCIAL 1 4.88% $13,534
BBVA USA 1 3.50% $7,911
BANKSOUTH MORTGAGE COMPANY, LLC 1 2.75% $1,264
Bank of Ann Arbor 1 2.50% $2,624
Think Mutual Bank 1 3.25% $4,783
Bank-Fund Staff Federal Credit Union 1 3.00% $4,294
Bangor Savings Bank 1 2.75% $3,989
TJC Mortgage, Inc. 1 2.75% $6,772
TOP FLITE FINANCIAL, INC. 1 3.00% $7,865
AXIA FINANCIAL, LLC 1 3.75% $13,325
TOWER 1 2.88% $5,747
ABSOLUTE HOME MORTGAGE CORPORATION 1 2.88% $4,414
TOWNE MORTGAGE COMPANY 1 3.00% $4,784
Assurance Financial Group, L.L.C. 1 3.25% $2,494
Associated Bank 1 2.88% $3,863
ANGEL OAK HOME LOANS LLC 1 3.38% $3,957
Ameris Bank 1 3.13% $2,467
INTELLILOAN, INC. 1 3.25% $3,449
United Community Bank 1 3.00% $2,959
Huntingdon Valley Bank 1 2.63% $5,568
ISERVE RESIDENTIAL LENDING, LLC 1 3.38% $5,383
Hometown Lenders, Inc. 1 3.63% $5,863
Ixonia Bank 1 2.88% $4,555
JMAC LENDING, INC. 1 3.25% $4,568
HOMESTEAD FUNDING CORP. 1 3.00% $3,504
HOMESTAR FINANCIAL CORPORATION 1 2.75% $2,648
HOMESPIRE MORTGAGE CORPORATION 1 3.88% $2,902
UNITED HOME LOANS, INC. 1 2.75% $8,124
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.25% $8,197
Amerifirst Financial, Inc. 1 3.13% $2,978
HALLMARK HOME MORTGAGE, LLC 1 3.63% $13,511
GVC MORTGAGE, INC. 1 3.38% $2,995
LEGEND LENDING CORPORATION 1 3.38% $7,111
UNIVERSITY LENDING GROUP, LLC 1 2.88% $3,859
LENDSURE MORTGAGE CORP. 1 4.25% $9,585
Level One Bank 1 2.75% $4,956

Sebastian-Vero Beach, FL's 346 lenders originated 8,964 loans during 2021. The total origination value was $2,502,360,000, with an average loan value of $279,157.

The top Sebastian - Vero Beach lender as defined by loan originations is QUICKEN LOANS, LLC, with 474 loans originated. Their average total fees are $5,280, which is $677 higher than the next largest lender, CALIBER HOME LOANS, INC..

The lowest fee Sebastian - Vero Beach lenders (with over 10 loans originated) are Wyndham Capital Mortgage, Inc. ($1,735), PULTE MORTGAGE LLC ($2,297), FREEDOM MORTGAGE CORPORATION ($2,347), TrustCo Bank ($2,381) and SPACE COAST Credit Union ($2,445).

The lowest rate Sebastian - Vero Beach lenders (with over 10 loans originated) are Charles Schwab Bank, SSB (2.21%), Morgan Stanley Private Bank (2.63%), PROVIDENT FUNDING ASSOCIATES, L.P. (2.66%), SWBC MORTGAGE CORPORATION (2.72%) and UBS Bank USA (2.73%).

Sebastian-Vero Beach, FL Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $168,365,000 $194,300,000 15.4% 7.8%
CALIBER HOME LOANS, INC. $170,225,000 $184,505,000 8.4% 7.4%
UNITED WHOLESALE MORTGAGE, LLC $38,410,000 $82,135,000 113.8% 3.3%
JPMorgan Chase Bank $54,255,000 $80,895,000 49.1% 3.2%
South State Bank $98,895,000 $78,720,000 -20.4% 3.1%
Bank of America $66,875,000 $74,820,000 11.9% 3.0%
Wells Fargo Bank $49,025,000 $69,625,000 42.0% 2.8%
PNC Bank $50,860,000 $50,900,000 0.1% 2.0%
DHI MORTGAGE COMPANY, LTD. $27,435,000 $50,650,000 84.6% 2.0%
BAYSHORE MORTGAGE FUNDING, LLC $13,535,000 $50,480,000 273.0% 2.0%
ACADEMY MORTGAGE CORPORATION $60,435,000 $50,240,000 -16.9% 2.0%
FREEDOM MORTGAGE CORPORATION $53,760,000 $49,405,000 -8.1% 2.0%
LOANDEPOT.COM, LLC $27,695,000 $47,010,000 69.7% 1.9%
SPACE COAST Credit Union $44,075,000 $39,270,000 -10.9% 1.6%
PENNYMAC LOAN SERVICES, LLC $15,575,000 $37,415,000 140.2% 1.5%
FBC MORTGAGE, LLC $54,595,000 $37,275,000 -31.7% 1.5%
U.S. Bank $18,350,000 $37,230,000 102.9% 1.5%
Seacoast National Bank $29,125,000 $36,990,000 27.0% 1.5%
MOVEMENT MORTGAGE, LLC $38,450,000 $36,430,000 -5.3% 1.5%
UNION HOME MORTGAGE CORP. $14,315,000 $34,950,000 144.1% 1.4%
Marine Bank & Trust Company $30,815,000 $32,800,000 6.4% 1.3%
GUARANTEED RATE, INC. $7,985,000 $31,230,000 291.1% 1.2%
Truist Bank $34,265,000 $28,100,000 -18.0% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $23,660,000 $27,560,000 16.5% 1.1%
Morgan Stanley Private Bank $19,425,000 $26,055,000 34.1% 1.0%
CROSSCOUNTRY MORTGAGE, LLC $16,095,000 $24,580,000 52.7% 1.0%
MIDFLORIDA $12,710,000 $23,895,000 88.0% 1.0%
Mortgage Research Center, LLC $13,865,000 $23,700,000 70.9% 0.9%
First Republic Bank $8,560,000 $22,890,000 167.4% 0.9%
Charles Schwab Bank, SSB $10,030,000 $22,015,000 119.5% 0.9%
TD Bank $23,690,000 $21,805,000 -8.0% 0.9%
Citibank $6,630,000 $21,255,000 220.6% 0.8%
AMERISAVE MORTGAGE CORPORATION $10,035,000 $20,580,000 105.1% 0.8%
BETTER MORTGAGE CORPORATION $7,770,000 $19,070,000 145.4% 0.8%
NEWREZ LLC $9,605,000 $17,785,000 85.2% 0.7%
The Huntington National Bank $4,410,000 $17,095,000 287.6% 0.7%
Flagstar Bank, FSB $12,725,000 $17,020,000 33.8% 0.7%
The Northern Trust Company $4,550,000 $16,240,000 256.9% 0.6%
TOTAL MORTGAGE SERVICES, LLC $5,245,000 $15,485,000 195.2% 0.6%
UBS Bank USA $11,595,000 $15,440,000 33.2% 0.6%
NAVY FEDERAL CREDIT UNION $15,330,000 $14,810,000 -3.4% 0.6%
PULTE MORTGAGE LLC $11,855,000 $14,675,000 23.8% 0.6%
Goldman Sachs Bank USA $13,060,000 $14,620,000 11.9% 0.6%
THE MORTGAGE FIRM, INC. $8,950,000 $14,115,000 57.7% 0.6%
LAKEVIEW LOAN SERVICING, LLC $6,965,000 $14,080,000 102.2% 0.6%
City National Bank of Florida $8,255,000 $12,975,000 57.2% 0.5%
HOME POINT FINANCIAL CORPORATION $11,555,000 $12,695,000 9.9% 0.5%
RADIUS FINANCIAL GROUP INC. $450,000 $12,445,000 2,665.6% 0.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $9,125,000 $12,065,000 32.2% 0.5%
GROUP ONE MORTGAGE, INC. $21,420,000 $11,465,000 -46.5% 0.5%
BAY CAPITAL MORTGAGE CORPORATION $5,030,000 $9,700,000 92.8% 0.4%
KeyBank $1,815,000 $9,190,000 406.3% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $9,990,000 $9,045,000 -9.5% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $5,200,000 $8,660,000 66.5% 0.3%
First Horizon Bank $435,000 $8,600,000 1,877.0% 0.3%
SHELTER MORTGAGE COMPANY, L.L.C. $8,205,000 $8,425,000 2.7% 0.3%
NVR Mortgage Finance, Inc. $6,415,000 $8,380,000 30.6% 0.3%
ITHINK FINANCIAL Credit Union $6,605,000 $8,075,000 22.3% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $10,795,000 $7,755,000 -28.2% 0.3%
TrustCo Bank $5,520,000 $7,715,000 39.8% 0.3%
Mortgage Lenders Investment Trading Corporation $4,330,000 $7,600,000 75.5% 0.3%
Manufacturers and Traders Trust Company $4,330,000 $7,420,000 71.4% 0.3%
First Citizens National Bank $7,245,000 n/a 0.3%
BROKER SOLUTIONS, INC. $3,530,000 $7,100,000 101.1% 0.3%
BNY Mellon $705,000 $7,055,000 900.7% 0.3%
BMO Harris Bank $1,570,000 $6,615,000 321.3% 0.3%
USAA Federal Savings Bank $5,365,000 $6,410,000 19.5% 0.3%
MidFirst Bank $365,000 $6,320,000 1,631.5% 0.3%
Synovus Bank $6,905,000 $5,935,000 -14.0% 0.2%
NEW DAY FINANCIAL, LLC $6,630,000 $5,930,000 -10.6% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $5,255,000 $5,905,000 12.4% 0.2%
Paramount Residential Mortgage Group, Inc. $5,020,000 $5,810,000 15.7% 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,640,000 $5,570,000 239.6% 0.2%
Citizens Bank $5,840,000 $5,485,000 -6.1% 0.2%
PLANET HOME LENDING, LLC $4,685,000 $5,460,000 16.5% 0.2%
NP, Inc. $8,595,000 $5,195,000 -39.6% 0.2%
SWBC MORTGAGE CORPORATION $2,950,000 $5,180,000 75.6% 0.2%
Carrington Mortgage Services, LLC $4,385,000 $5,150,000 17.4% 0.2%
Plains Commerce Bank $3,420,000 $5,110,000 49.4% 0.2%
North American Savings Bank, F.S.B. $2,040,000 $5,100,000 150.0% 0.2%
HARBORONE MORTGAGE, LLC $11,180,000 $4,925,000 -55.9% 0.2%
Regions Bank $3,410,000 $4,900,000 43.7% 0.2%
Valley National Bank $15,015,000 $4,890,000 -67.4% 0.2%
HOMESIDE FINANCIAL, LLC $2,330,000 $4,885,000 109.7% 0.2%
Stifel Bank and Trust $1,260,000 $4,750,000 277.0% 0.2%
City National Bank $3,420,000 $4,700,000 37.4% 0.2%
EMBRACE HOME LOANS, INC. $1,060,000 $4,545,000 328.8% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $6,480,000 $4,475,000 -30.9% 0.2%
PENTAGON FEDERAL CREDIT UNION $3,075,000 $4,280,000 39.2% 0.2%
Ally Bank $1,045,000 $4,275,000 309.1% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $4,165,000 $4,230,000 1.6% 0.2%
Silicon Valley Bank $4,205,000 n/a 0.2%
GUARANTEED RATE AFFINITY, LLC $980,000 $4,190,000 327.6% 0.2%
Wyndham Capital Mortgage, Inc. $2,325,000 $4,140,000 78.1% 0.2%
EVERETT FINANCIAL, INC. $4,165,000 $4,120,000 -1.1% 0.2%
NEXERA HOLDING LLC $655,000 $4,095,000 525.2% 0.2%
NFM, INC. $1,930,000 $4,095,000 112.2% 0.2%
HAMILTON HOME LOANS, INC. $3,145,000 $3,870,000 23.1% 0.2%
FINANCE OF AMERICA MORTGAGE LLC $1,000,000 $3,855,000 285.5% 0.2%
Chicago Mortgage Solutions LLC $1,915,000 $3,750,000 95.8% 0.1%
EMM LOANS LLC $4,980,000 $3,750,000 -24.7% 0.1%
ACOPIA, LLC $3,040,000 $3,720,000 22.4% 0.1%
AMERICAN FINANCING CORPORATION $2,905,000 $3,695,000 27.2% 0.1%
Third Federal Savings and Loan Association of Cleveland $2,395,000 $3,695,000 54.3% 0.1%
EAGLE HOME MORTGAGE, LLC $21,800,000 $3,440,000 -84.2% 0.1%
Atlantic Coast Mortgage, LLC $2,680,000 $3,345,000 24.8% 0.1%
LENDINGHOME FUNDING CORPORATION $270,000 $3,090,000 1,044.4% 0.1%
HOMEXPRESS MORTGAGE CORP. $1,290,000 $3,085,000 139.1% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $1,555,000 $3,050,000 96.1% 0.1%
Fifth Third Bank $4,220,000 $3,030,000 -28.2% 0.1%
Raymond James Bank $3,190,000 $3,005,000 -5.8% 0.1%
ZILLOW HOME LOANS, LLC $2,955,000 n/a 0.1%
AMERIFIRST FINANCIAL CORPORATION $885,000 $2,940,000 232.2% 0.1%
InterContinental Capital Group, Inc $7,340,000 $2,860,000 -61.0% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $195,000 $2,825,000 1,348.7% 0.1%
RBC Bank, (Georgia) $1,325,000 $2,805,000 111.7% 0.1%
REVERSE MORTGAGE FUNDING LLC $2,210,000 $2,790,000 26.2% 0.1%
LADERA LENDING, INC. $2,780,000 n/a 0.1%
VAN DYK MORTGAGE CORPORATION $2,290,000 $2,780,000 21.4% 0.1%
MICHIGAN MUTUAL, INC. $2,115,000 $2,775,000 31.2% 0.1%
NJ LENDERS CORP. $350,000 $2,765,000 690.0% 0.1%
Waterstone Mortgage Corporation $570,000 $2,660,000 366.7% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $500,000 $2,650,000 430.0% 0.1%
AmeriHome Mortgage Company, LLC $1,440,000 $2,620,000 81.9% 0.1%
First Guaranty Mortgage Corporation $2,265,000 $2,615,000 15.5% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $1,510,000 $2,610,000 72.8% 0.1%
BM Real Estate Services, Inc. $2,015,000 $2,510,000 24.6% 0.1%
American Bank $2,505,000 n/a 0.1%
The Federal Savings Bank $4,945,000 $2,465,000 -50.2% 0.1%
TIAA, FSB $2,010,000 $2,425,000 20.6% 0.1%
CIBC Bank USA $2,410,000 n/a 0.1%
NBKC BANK $2,300,000 $2,355,000 2.4% 0.1%
Republic Bank $2,705,000 $2,345,000 -13.3% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $1,760,000 $2,230,000 26.7% 0.1%
PROFESSIONAL BANK $445,000 $2,225,000 400.0% 0.1%
AMERICAN ADVISORS GROUP $1,060,000 $2,220,000 109.4% 0.1%
Christensen Financial, Inc. $2,010,000 $2,195,000 9.2% 0.1%
Quontic Bank $2,165,000 n/a 0.1%
KELLER MORTGAGE, LLC $5,375,000 $2,150,000 -60.0% 0.1%
LOANPAL, LLC $755,000 $2,120,000 180.8% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,295,000 $2,120,000 63.7% 0.1%
United Community Bank $925,000 $2,085,000 125.4% 0.1%
Bank of England $2,255,000 $2,060,000 -8.6% 0.1%
Nations Lending Corporation $1,495,000 $2,005,000 34.1% 0.1%
The Fidelity Deposit and Discount Bank $2,005,000 n/a 0.1%
Goldwater Bank, N.A. $1,180,000 $1,985,000 68.2% 0.1%
CLEARPATH LENDING $4,150,000 $1,940,000 -53.3% 0.1%
GREAT WESTERN FINANCIAL SERVICES, INC. $2,155,000 $1,930,000 -10.4% 0.1%
Pinnacle Bank $1,905,000 n/a 0.1%
American Airlines Federal Credit Union $265,000 $1,900,000 617.0% 0.1%
STEARNS LENDING, LLC $1,815,000 $1,880,000 3.6% 0.1%
ARC HOME LLC $1,565,000 $1,865,000 19.2% 0.1%
Equity Prime Mortgage LLC $1,490,000 $1,840,000 23.5% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $750,000 $1,755,000 134.0% 0.1%
ROYAL UNITED MORTGAGE LLC $2,535,000 $1,725,000 -32.0% 0.1%
Arvest Bank $1,785,000 $1,675,000 -6.2% 0.1%
CAPITAL PARTNERS MORTGAGE, LLC $1,635,000 $1,620,000 -0.9% 0.1%
CHURCHILL MORTGAGE CORPORATION $385,000 $1,590,000 313.0% 0.1%
First American Bank $135,000 $1,575,000 1,066.7% 0.1%
Baxter Credit Union $820,000 $1,570,000 91.5% 0.1%
Gold Coast Bank $1,145,000 $1,550,000 35.4% 0.1%
Boston Private Bank & Trust Company $2,525,000 $1,540,000 -39.0% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $930,000 $1,525,000 64.0% 0.1%
LAKE MICHIGAN CREDIT UNION $685,000 $1,505,000 119.7% 0.1%
Leader Bank $225,000 $1,505,000 568.9% 0.1%
Prosperity Home Mortgage, LLC $1,330,000 $1,500,000 12.8% 0.1%
LONGBRIDGE FINANCIAL, LLC $585,000 $1,495,000 155.6% 0.1%
IMPAC MORTGAGE CORP. $385,000 $1,480,000 284.4% 0.1%
PHH Mortgage Corporation $690,000 $1,475,000 113.8% 0.1%
BNC National Bank $525,000 $1,435,000 173.3% 0.1%
Comerica Bank $1,425,000 n/a 0.1%
CORNERSTONE HOME LENDING, INC. $1,380,000 $1,420,000 2.9% 0.1%
First Federal Bank $2,920,000 $1,405,000 -51.9% 0.1%
MID AMERICA MORTGAGE, INC. $1,150,000 $1,360,000 18.3% 0.1%
FM Home Loans, LLC $1,350,000 n/a 0.1%
BAY EQUITY LLC $1,100,000 $1,345,000 22.3% 0.1%
FIDELITY FUNDING MORTGAGE CORP. $965,000 $1,320,000 36.8% 0.1%
ABSOLUTE HOME MORTGAGE CORPORATION $410,000 $1,310,000 219.5% 0.1%
CELEBRITY HOME LOANS, LLC $620,000 $1,310,000 111.3% 0.1%
GENEVA FINANCIAL, LLC $1,100,000 $1,270,000 15.5% 0.1%
GUILD MORTGAGE COMPANY $980,000 $1,240,000 26.5% 0.0%
Greenbox Loans, Inc. $1,230,000 n/a 0.0%
BancorpSouth Bank $1,210,000 n/a 0.0%
INTERCOASTAL MORTGAGE COMPANY $975,000 $1,210,000 24.1% 0.0%
DYBN FINANCIAL CORP. $1,425,000 $1,200,000 -15.8% 0.0%
FINANCE OF AMERICA REVERSE LLC $1,930,000 $1,195,000 -38.1% 0.0%
Northpointe Bank $2,180,000 $1,195,000 -45.2% 0.0%
NATIONWIDE EQUITIES CORPORATION $1,185,000 n/a 0.0%
First Mortgage Solutions, LLC $1,175,000 n/a 0.0%
Strong Home Mortgage, LLC $145,000 $1,165,000 703.4% 0.0%
First Midwest Bank $2,130,000 $1,140,000 -46.5% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $550,000 $1,135,000 106.4% 0.0%
Commerce Home Mortgage, Inc. $800,000 $1,135,000 41.9% 0.0%
CASTLE & COOKE MORTGAGE, LLC $185,000 $1,105,000 497.3% 0.0%
The Home Loan Expert LLC $325,000 $1,090,000 235.4% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $535,000 $1,085,000 102.8% 0.0%
FAIRWINDS CREDIT UNION $175,000 $1,075,000 514.3% 0.0%
Mid-Continent Funding, Inc. $930,000 $1,065,000 14.5% 0.0%
CONTOUR MORTGAGE CORPORATION $1,080,000 $1,055,000 -2.3% 0.0%
UNITED HOME LOANS, INC. $1,045,000 n/a 0.0%
LOANSNAP, INC. $1,015,000 n/a 0.0%
Arbor Bank $1,005,000 n/a 0.0%
FirstBank $1,330,000 $1,005,000 -24.4% 0.0%
Dollar Bank, Federal Savings Bank $1,000,000 n/a 0.0%
NORTHROP GRUMMAN Federal Credit Union $710,000 $980,000 38.0% 0.0%
QUORUM FEDERAL CREDIT UNION $980,000 n/a 0.0%
Advisors Mortgage Group, L.L.C. $685,000 $970,000 41.6% 0.0%
CityWorth Mortgage LLC $945,000 n/a 0.0%
Century Mortgage Company DBA Century Lending Company $920,000 n/a 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,325,000 $900,000 -32.1% 0.0%
The Central Trust Bank $865,000 n/a 0.0%
AXIA FINANCIAL, LLC $850,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $840,000 n/a 0.0%
OCMBC, INC. $205,000 $830,000 304.9% 0.0%
Discover Bank $560,000 $825,000 47.3% 0.0%
HomeTrust Bank $190,000 $820,000 331.6% 0.0%
ALLIED MORTGAGE GROUP, INC. $1,315,000 $795,000 -39.5% 0.0%
PLAZA HOME MORTGAGE, INC. $1,210,000 $790,000 -34.7% 0.0%
DIGITAL Federal Credit Union $320,000 $785,000 145.3% 0.0%
MLD MORTGAGE INC. $175,000 $780,000 345.7% 0.0%
Notre Dame Federal Credit Union Corporation $225,000 $780,000 246.7% 0.0%
SIGNATURE MORTGAGE CORPORATION $470,000 $770,000 63.8% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $560,000 $760,000 35.7% 0.0%
American Security Mortgage Corp. $400,000 $760,000 90.0% 0.0%
SOUTH CENTRAL BANK, INC. $760,000 n/a 0.0%
American Momentum Bank $755,000 n/a 0.0%
RESIDENTIAL MORTGAGE SERVICES, INC. $735,000 n/a 0.0%
THE BRYN MAWR TRUST COMPANY $730,000 n/a 0.0%
Ameris Bank $465,000 $710,000 52.7% 0.0%
Paramount Bank $385,000 $710,000 84.4% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $690,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $450,000 $685,000 52.2% 0.0%
Lakeview Community Capital, LLC $835,000 $680,000 -18.6% 0.0%
TEACHERS $155,000 $680,000 338.7% 0.0%
ANGEL OAK HOME LOANS LLC $670,000 n/a 0.0%
HOME TOWN FUNDING, INC. $135,000 $665,000 392.6% 0.0%
TOWNE MORTGAGE COMPANY $1,085,000 $660,000 -39.2% 0.0%
Figure Lending LLC $385,000 $655,000 70.1% 0.0%
First Home Bank $1,020,000 $655,000 -35.8% 0.0%
OAKTREE FUNDING CORP. $655,000 n/a 0.0%
FRANKLIN MINT $635,000 n/a 0.0%
OPEN MORTGAGE, LLC $670,000 $635,000 -5.2% 0.0%
Atlantic Union Bank $630,000 n/a 0.0%
Summit Mortgage Corporation $675,000 $630,000 -6.7% 0.0%
Loan Simple, Inc. $625,000 n/a 0.0%
Grundy Bank $620,000 n/a 0.0%
Frandsen Bank & Trust $735,000 $605,000 -17.7% 0.0%
1ST FINANCIAL, INC. $600,000 n/a 0.0%
FIRST STATE MORTGAGE SERVICES, LLC $600,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $265,000 $600,000 126.4% 0.0%
Mortgage Bank of California $585,000 n/a 0.0%
WINGS FINANCIAL $585,000 n/a 0.0%
CMG MORTGAGE, INC. $835,000 $580,000 -30.5% 0.0%
SPRING EQ, LLC $280,000 $580,000 107.1% 0.0%
CHEVRON $575,000 n/a 0.0%
Alcova Mortgage LLC $500,000 $570,000 14.0% 0.0%
Bell Bank $550,000 $550,000 0.0% 0.0%
GEORGIA'S OWN $610,000 $545,000 -10.7% 0.0%
Lincoln FSB of Nebraska $545,000 n/a 0.0%
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $545,000 n/a 0.0%
Presidential Bank, FSB $165,000 $545,000 230.3% 0.0%
WILLIAM RAVEIS MORTGAGE, LLC $540,000 n/a 0.0%
CIT Bank $535,000 n/a 0.0%
Huntingdon Valley Bank $535,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $175,000 $530,000 202.9% 0.0%
N R L Federal Credit Union $455,000 $525,000 15.4% 0.0%
Cf Bank $1,220,000 $515,000 -57.8% 0.0%
First Internet Bank of Indiana $155,000 $515,000 232.3% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $860,000 $505,000 -41.3% 0.0%
DAS Acquisition Company, LLC $570,000 $505,000 -11.4% 0.0%
PARKSIDE LENDING, LLC $3,105,000 $505,000 -83.7% 0.0%
SILVER HILL FUNDING, LLC $505,000 n/a 0.0%
Cornerstone First Mortgage, Inc $500,000 n/a 0.0%
Desjardins Bank $500,000 n/a 0.0%
GSF Mortgage Corporation $445,000 $500,000 12.4% 0.0%
WESTERN EXPRESS LENDING $500,000 n/a 0.0%
BRIGHTSTAR $495,000 n/a 0.0%
Hometown Equity Mortgage, LLC $575,000 $495,000 -13.9% 0.0%
1st Colonial Community Bank $380,000 $485,000 27.6% 0.0%
HomePromise Corporation $485,000 n/a 0.0%
UNIVERSITY LENDING GROUP, LLC $410,000 $480,000 17.1% 0.0%
Centennial Bank $475,000 n/a 0.0%
COLUMBUS CAPITAL LENDING, LLC $440,000 $470,000 6.8% 0.0%
BAYCOAST MORTGAGE COMPANY, LLC $465,000 n/a 0.0%
LOANFLIGHT LENDING, LLC $275,000 $465,000 69.1% 0.0%
AMWEST FUNDING CORP. $460,000 n/a 0.0%
Commonwealth Bank and Trust Company $455,000 n/a 0.0%
George Mason Mortgage, LLC $640,000 $450,000 -29.7% 0.0%
GREENTREE MORTGAGE COMPANY, L.P. $225,000 $450,000 100.0% 0.0%
NEW FED MORTGAGE, CORP. $450,000 n/a 0.0%
EQUITY RESOURCES, INC. $125,000 $440,000 252.0% 0.0%
FAMILY FIRST FUNDING LLC $440,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $205,000 $440,000 114.6% 0.0%
Keystone Funding, Inc. $440,000 n/a 0.0%
Lend Smart Mortgage, LLC $440,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $480,000 $430,000 -10.4% 0.0%
HANCOCK MORTGAGE PARTNERS, LLC $420,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $305,000 $420,000 37.7% 0.0%
Barrington Bank & Trust Company, N.A. $2,460,000 $415,000 -83.1% 0.0%
The Park National Bank $415,000 n/a 0.0%
BOND STREET MORTGAGE, LLC $375,000 $405,000 8.0% 0.0%
First-Citizens Bank & Trust Company $4,555,000 $405,000 -91.1% 0.0%
FUNDLOANS CAPITAL $405,000 n/a 0.0%
Great Southern Bank $965,000 $405,000 -58.0% 0.0%
Ixonia Bank $420,000 $405,000 -3.6% 0.0%
SOUTHERN TRUST MORTGAGE, LLC $405,000 n/a 0.0%
TOWER $65,000 $405,000 523.1% 0.0%
LENDSURE MORTGAGE CORP. $530,000 $400,000 -24.5% 0.0%
ADVANCIAL $395,000 n/a 0.0%
Bank Rhode Island $395,000 n/a 0.0%
Gateway First Bank $250,000 $395,000 58.0% 0.0%
The Commercial and Savings Bank of Millersburg Ohio $395,000 n/a 0.0%
BBVA USA $1,235,000 $390,000 -68.4% 0.0%
First State Bank of St. Charles, Missouri $390,000 n/a 0.0%
Visio Financial Services Inc. $85,000 $390,000 358.8% 0.0%
MORTGAGE ACCESS CORP. $640,000 $385,000 -39.8% 0.0%
TRIAD FINANCIAL SERVICES, INC. $125,000 $380,000 204.0% 0.0%
FIRST SAVINGS MORTGAGE CORPORATION $375,000 n/a 0.0%
MORTGAGE INVESTORS GROUP, INC. $370,000 n/a 0.0%
POLICE & FIRE $265,000 $370,000 39.6% 0.0%
SOFI LENDING CORP. $1,415,000 $370,000 -73.9% 0.0%
Associated Bank $690,000 $365,000 -47.1% 0.0%
Capital Bank $375,000 $365,000 -2.7% 0.0%
First Savings Bank $1,690,000 $360,000 -78.7% 0.0%
LENDERFI, INC. $360,000 n/a 0.0%
Towne Bank $720,000 $360,000 -50.0% 0.0%
FIRST HOME MORTGAGE CORPORATION $725,000 $355,000 -51.0% 0.0%
MORTGAGE EQUITY PARTNERS LLC $235,000 $355,000 51.1% 0.0%
CHAMPIONS MORTGAGE LLC $265,000 $350,000 32.1% 0.0%
GREENWAY MORTGAGE FUNDING CORP. $345,000 n/a 0.0%
ISERVE RESIDENTIAL LENDING, LLC $345,000 n/a 0.0%
POLARIS HOME FUNDING CORP. $345,000 n/a 0.0%
A&D Mortgage LLC $1,245,000 $335,000 -73.1% 0.0%
Evesham Mortgage, LLC $335,000 n/a 0.0%
First United Bank and Trust Company $335,000 n/a 0.0%
PREMIA MORTGAGE, LLC $335,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $330,000 n/a 0.0%
Low VA Rates, LLC $685,000 $330,000 -51.8% 0.0%
1st Constitution Bank $515,000 $325,000 -36.9% 0.0%
BOKF $1,045,000 $315,000 -69.9% 0.0%
CALCON MUTUAL MORTGAGE LLC $315,000 n/a 0.0%
EVANSVILLE TEACHERS $315,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $315,000 n/a 0.0%
LOANLEADERS OF AMERICA, INC. $315,000 n/a 0.0%
Santander Bank, N.A. $315,000 n/a 0.0%
Southern Mass Credit Union $315,000 n/a 0.0%
21ST MORTGAGE CORPORATION $45,000 $310,000 588.9% 0.0%
FIRST FLORIDA Credit Union $200,000 $310,000 55.0% 0.0%
Hometown Lenders, Inc. $310,000 n/a 0.0%
Armed Forces Bank $305,000 n/a 0.0%
Bank-Fund Staff Federal Credit Union $245,000 $305,000 24.5% 0.0%
Evolve Bank & Trust $155,000 $305,000 96.8% 0.0%
FAIRWAY FUNDING GROUP, INC. $645,000 $305,000 -52.7% 0.0%
Level One Bank $305,000 n/a 0.0%
ALL REVERSE MORTGAGE, INC. $300,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $550,000 $300,000 -45.5% 0.0%
HOMESTAR FINANCIAL CORPORATION $300,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,740,000 $300,000 -89.1% 0.0%
FOUNDATION MORTGAGE CORPORATION $205,000 $295,000 43.9% 0.0%
KS StateBank $395,000 $295,000 -25.3% 0.0%
MILEND, INC. $325,000 $295,000 -9.2% 0.0%
Peapack-Gladstone Bank $295,000 n/a 0.0%
SRE MORTGAGE ALLIANCE INC. $295,000 n/a 0.0%
ATLANTA POSTAL $380,000 $290,000 -23.7% 0.0%
Colonial Savings, F.A. $290,000 n/a 0.0%
AHL FUNDING $285,000 n/a 0.0%
Bank of Ann Arbor $285,000 n/a 0.0%
COLONIAL MORTGAGE SERVICE COMPANY OF AMERICA $285,000 n/a 0.0%
Lake Area Bank $285,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $340,000 $280,000 -17.6% 0.0%
ACCELERATE MORTGAGE, LLC $275,000 n/a 0.0%
HALLMARK HOME MORTGAGE, LLC $275,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $595,000 $275,000 -53.8% 0.0%
ORLANDO CREDIT UNION $275,000 n/a 0.0%
Suncoast Credit Union $135,000 $270,000 100.0% 0.0%
Berkshire Bank $265,000 n/a 0.0%
CITY-COUNTY CREDIT UNION $265,000 n/a 0.0%
COMPASS MORTGAGE, INC. $265,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $265,000 n/a 0.0%
Servion, Inc. $265,000 n/a 0.0%
First Financial Bank $295,000 $255,000 -13.6% 0.0%
TJC Mortgage, Inc. $235,000 $255,000 8.5% 0.0%
BLUELEAF LENDING, LLC $245,000 n/a 0.0%
INTELLILOAN, INC. $245,000 n/a 0.0%
PUBLIX EMPLOYEES $435,000 $245,000 -43.7% 0.0%
TruHome Solutions, LLC $195,000 $245,000 25.6% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $245,000 n/a 0.0%
Vibrant Credit Union $245,000 n/a 0.0%
WEBSTER FIRST Federal Credit Union $245,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $550,000 $240,000 -56.4% 0.0%
ALTRA $235,000 n/a 0.0%
ENDEAVOR CAPITAL, LLC. $295,000 $235,000 -20.3% 0.0%
JMAC LENDING, INC. $235,000 n/a 0.0%
MORTGAGE 1 INCORPORATED $455,000 $235,000 -48.4% 0.0%
Northwest Federal Credit Union $235,000 n/a 0.0%
PURDUE FEDERAL CREDIT UNION $235,000 n/a 0.0%
RESIDENTIAL HOME MORTGAGE CORPORATION $235,000 n/a 0.0%
Bogota Savings Bank $225,000 n/a 0.0%
Farmers Bank & Trust $225,000 n/a 0.0%
NORTHPOINT MORTGAGE, INC. $225,000 n/a 0.0%
OceanFirst Bank $305,000 $225,000 -26.2% 0.0%
People's United Bank $345,000 $225,000 -34.8% 0.0%
STOCKTON MORTGAGE CORPORATION $235,000 $225,000 -4.3% 0.0%
DIRECT MORTGAGE LOANS, LLC $220,000 n/a 0.0%
BANKSOUTH MORTGAGE COMPANY, LLC $215,000 n/a 0.0%
BECKAM FUNDING CORP. $215,000 n/a 0.0%
Capital City Home Loans, LLC $125,000 $215,000 72.0% 0.0%
NUMARK CREDIT UNION $210,000 n/a 0.0%
Carrollton Bank $205,000 n/a 0.0%
MCLEAN MORTGAGE CORPORATION $775,000 $205,000 -73.5% 0.0%
NATIONS RELIABLE LENDING, LLC $205,000 n/a 0.0%
VYSTAR $135,000 $205,000 51.9% 0.0%
CERTAINTY HOME LOANS, LLC $195,000 n/a 0.0%
LEGEND LENDING CORPORATION $155,000 $195,000 25.8% 0.0%
Luxury Mortgage Corp. $295,000 $195,000 -33.9% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $165,000 $195,000 18.2% 0.0%
The Cortland Savings and Banking Company $195,000 n/a 0.0%
Bangor Savings Bank $485,000 $185,000 -61.9% 0.0%
RESOURCE FINANCIAL SERVICES, INC. $185,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $205,000 $185,000 -9.8% 0.0%
TCF National Bank $340,000 $185,000 -45.6% 0.0%
UNITED MORTGAGE CORP. $1,320,000 $185,000 -86.0% 0.0%
Park Lane Finance Solutions, LLC $180,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $555,000 $175,000 -68.5% 0.0%
ASPIRE FINANCIAL, INC. $175,000 n/a 0.0%
Beeline Loans, Inc. $215,000 $175,000 -18.6% 0.0%
DEVELOPER'S MORTGAGE COMPANY $175,000 $175,000 0.0% 0.0%
First Bank $995,000 $175,000 -82.4% 0.0%
GVC MORTGAGE, INC. $175,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $990,000 $175,000 -82.3% 0.0%
ALLIANT CREDIT UNION $790,000 $170,000 -78.5% 0.0%
AFFINITY $285,000 $165,000 -42.1% 0.0%
Amerifirst Financial, Inc. $165,000 n/a 0.0%
BLG HOLDINGS, INC. $165,000 n/a 0.0%
Florida Capital Bank $165,000 n/a 0.0%
Financial Freedom Mortgage, LLC $470,000 $155,000 -67.0% 0.0%
Hancock Whitney Bank $35,000 $155,000 342.9% 0.0%
Home Mortgage Alliance Corp $155,000 n/a 0.0%
I. H. MISSISSIPPI VALLEY CREDIT UNION $155,000 n/a 0.0%
Metro City Bank $165,000 $155,000 -6.1% 0.0%
OCEANSIDE MORTGAGE COMPANY $385,000 $155,000 -59.7% 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $125,000 $155,000 24.0% 0.0%
Think Mutual Bank $155,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $310,000 $155,000 -50.0% 0.0%
Forcht Bank $145,000 n/a 0.0%
Genesee Regional Bank $145,000 n/a 0.0%
PROPER RATE, LLC $145,000 n/a 0.0%
SUMMIT FUNDING, INC. $145,000 n/a 0.0%
AmRes Corporation $900,000 $135,000 -85.0% 0.0%
Axiom Bank, N.A. $135,000 n/a 0.0%
BayCoast Bank $65,000 $135,000 107.7% 0.0%
BEST CAPITAL FUNDING $125,000 $135,000 8.0% 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $255,000 $135,000 -47.1% 0.0%
RELIANCE FIRST CAPITAL, LLC $515,000 $135,000 -73.8% 0.0%
Sierra Pacific Mortgage Company, Inc. $135,000 n/a 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $135,000 n/a 0.0%
UNITED NORTHERN MORTGAGE BANKERS LIMITED $245,000 $135,000 -44.9% 0.0%
DOMINION FINANCIAL SERVICES, LLC $125,000 n/a 0.0%
FAY SERVICING, LLC $125,000 n/a 0.0%
First Merchants Bank $125,000 n/a 0.0%
Magnolia Bank $580,000 $125,000 -78.4% 0.0%
TELHIO $125,000 n/a 0.0%
US MORTGAGE CORPORATION $405,000 $125,000 -69.1% 0.0%
Uwharrie Bank $125,000 n/a 0.0%
SHELTER HOME MORTGAGE, LLC $205,000 $115,000 -43.9% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $110,000 n/a 0.0%
DELTA COMMUNITY CREDIT UNION $325,000 $105,000 -67.7% 0.0%
FINANCIAL RESOURCES FEDERAL CREDIT UNION $105,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $305,000 $105,000 -65.6% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $105,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $105,000 $105,000 0.0% 0.0%
ENVOY MORTGAGE, LTD $95,000 n/a 0.0%
HOMESPIRE MORTGAGE CORPORATION $690,000 $95,000 -86.2% 0.0%
LENDINGONE, LLC $370,000 $95,000 -74.3% 0.0%
Bethpage Federal Credit Union $420,000 $90,000 -78.6% 0.0%
AMERANT BANK, NATIONAL ASSOCIATION $85,000 n/a 0.0%
DUPACO COMMUNITY $85,000 n/a 0.0%
SIS BANCORP, MHC $85,000 n/a 0.0%
Centra Credit Union $75,000 n/a 0.0%
First State Bank $135,000 $75,000 -44.4% 0.0%
GREENWOOD $75,000 n/a 0.0%
MASSMUTUAL $75,000 $75,000 0.0% 0.0%
GTE Federal Credit Union $65,000 n/a 0.0%
Service Federal Credit Union $65,000 n/a 0.0%
Assurance Financial Group, L.L.C. $55,000 n/a 0.0%
Guardians Credit Union $55,000 n/a 0.0%
HANSCOM $515,000 $35,000 -93.2% 0.0%
HUDSON HERITAGE $55,000 $35,000 -36.4% 0.0%
FLORIDA $25,000 n/a 0.0%

Sebastian - Vero Beach's top lender by overall market share is QUICKEN LOANS, LLC, with 7.8% market share. In second place, with 7.4%, is CALIBER HOME LOANS, INC., having originated $184,505,000 in loans. In third place, with 3.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $82,135,000 in loans. In third place, with 3.2%, is JPMorgan Chase Bank, having originated $80,895,000 in loans. In third place, with 3.1%, is South State Bank, having originated $78,720,000 in loans.


Sebastian-Vero Beach, FL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,979 $1,307,805,000 $328,677
Refi 2,540 $629,330,000 $247,768
Cash Out Refi 1,698 $408,580,000 $240,624
Home Improvement 472 $52,110,000 $110,403
Other 275 $104,535,000 $380,127

Sebastian - Vero Beach's most frequently cited loan purpose was Home Purchase, with 3,979 originations. The 2nd most popular reason was Refi, with 2,540 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 3,445 $1,031,605,000 $299,450
3-4% 3,314 $853,110,000 $257,426
<2.5% 1,594 $496,140,000 $311,255
4-5% 357 $81,085,000 $227,129
5-6% 93 $16,975,000 $182,527
Over 8% 90 $9,210,000 $102,333
6-7% 41 $5,365,000 $130,854
7-8% 11 $795,000 $72,273

During 2021, Sebastian - Vero Beach's most frequently originated rate bucket was 2.5-3%, with 3,445 originations.

Loan Sizing (Sebastian-Vero Beach, FL MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 3,822 $1,035,250,000 $270,866
$100k-200k 3,043 $465,675,000 $153,032
$100,000 or less 941 $58,365,000 $62,024
$400k-600k 699 $335,905,000 $480,551
$600k-1000k 244 $185,440,000 $760,000
$Over $1MM 215 $421,725,000 $1,961,512

Sebastian - Vero Beach's loan sizing saw the bucket of loans from $200k-400k with 3,822 originations, totaling $1,035,250,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 3,033 $951,785,000 $313,810
80-100% 2,769 $811,975,000 $293,238
40-60% 1,525 $440,095,000 $288,587
20-40% 761 $136,255,000 $179,047
Under 20% 423 $32,845,000 $77,648
Over 100% 61 $18,875,000 $309,426

Sebastian - Vero Beach's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 3,033 originations, totaling $951,785,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Sebastian - Vero Beach (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $349,995 (0.0%) $697,857 (0.6%) 1.29 1,666
2018-02-01 $346,750 (0.5%) $692,011 (-0.2%) 1.25 1,786
2018-03-01 $349,000 (2.4%) $687,533 (0.3%) 1.21 1,903
2018-04-01 $350,338 (0.1%) $688,548 (-0.5%) 1.18 1,940
2018-05-01 $335,500 (-3.9%) $672,215 (-0.6%) 1.12 1,855
2018-06-01 $329,000 (-6.0%) $653,512 (-7.9%) 1.10 1,818
2018-07-01 $327,500 (-4.4%) $669,061 (-2.8%) 1.09 1,720
2018-08-01 $332,000 (-2.6%)