Sebastian - Vero Beach Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Sebastian - Vero Beach averaged
6.42%
for the week of 2024-10-10, compared to the national average of
6.32% for the same period.
The average rate for the prior week (2024-10-03) was
6.22% and
one month ago for the week of 2024-09-05, the
average rate was 6.45%.
Sebastian - Vero Beach's average rate one year ago was 7.39%.
For refis of the same type during the week of 2024-10-10, the average rate
was 6.22%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-10-10 | 6.32% |
Sebastian - Vero Beach 30 Year Fixed Rate | 2024-10-10 | 6.42% |
Sebastian - Vero Beach 30 Year Fixed Rate Refi | 2024-10-10 | 6.22% |
Sebastian - Vero Beach 15 Year Fixed Rate | 2024-10-10 | 5.61% |
Sebastian - Vero Beach 15 Year Fixed Rate Refi | 2024-10-10 | 5.81% |
Sebastian - Vero Beach 30 Year FHA | 2024-10-10 | 6.05% |
Sebastian - Vero Beach 30 Year FHA Refi | 2024-10-10 | 6% |
Sebastian - Vero Beach 30 Year USDA | 2024-10-10 | 6.28% |
Sebastian - Vero Beach 30 Year USDA Refi | 2024-10-10 | 5.98% |
Sebastian - Vero Beach 30 Year VA | 2024-10-10 | 5.85% |
Sebastian - Vero Beach 30 Year VA Refi | 2024-10-10 | 5.85% |
Sebastian - Vero Beach Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, 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.).
Sebastian - Vero Beach Average Closing Costs & Other Stats
Sebastian-Vero Beach, FL's 224 lenders originated 3,726
loans during 2023. The total origination value was $1,006,960,000, with an average loan value of
$270,252.
Sebastian - Vero Beach's average closing costs are $5,841.
The top Sebastian - Vero Beach lender as defined by loan originations is QUICKEN LOANS, LLC, with
148 loans originated. Their average total fees are
$7,739, which is $751
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Sebastian - Vero Beach lenders (with over 10 loans originated) are
SPACE COAST Credit Union ($2,551), PULTE MORTGAGE LLC ($2,801), DHI MORTGAGE COMPANY, LTD. ($3,307), MIDFLORIDA ($4,706) and City National Bank of Florida ($5,192).
The lowest rate Sebastian - Vero Beach lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.54%), Morgan Stanley Private Bank (5.80%), SPACE COAST Credit Union (5.85%), EAGLE HOME MORTGAGE, LLC (5.97%) and Wells Fargo Bank (6.20%).
Sebastian-Vero Beach, FL Mortgage 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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
---|---|---|---|---|
UNITED WHOLESALE MORTGAGE, LLC | $70,910,000 | $68,135,000 | -3.9% | 6.8% |
QUICKEN LOANS, LLC | $95,740,000 | $59,670,000 | -37.7% | 5.9% |
South State Bank | $86,585,000 | $41,590,000 | -52.0% | 4.1% |
SPACE COAST Credit Union | $28,905,000 | $31,050,000 | 7.4% | 3.1% |
CALIBER HOME LOANS, INC. | $110,735,000 | $30,570,000 | -72.4% | 3.0% |
Bank of America | $46,820,000 | $29,450,000 | -37.1% | 2.9% |
DHI MORTGAGE COMPANY, LTD. | $32,910,000 | $29,210,000 | -11.2% | 2.9% |
PNC Bank | $53,840,000 | $28,375,000 | -47.3% | 2.8% |
BAYSHORE MORTGAGE FUNDING, LLC | $37,560,000 | $27,585,000 | -26.6% | 2.7% |
JPMorgan Chase Bank | $31,335,000 | $24,450,000 | -22.0% | 2.4% |
MOVEMENT MORTGAGE, LLC | $21,000,000 | $20,210,000 | -3.8% | 2.0% |
CARDINAL FINANCIAL | $8,890,000 | $19,945,000 | 124.4% | 2.0% |
ACADEMY MORTGAGE CORPORATION | $26,320,000 | $19,670,000 | -25.3% | 2.0% |
Marine Bank & Trust Company | $56,085,000 | $16,655,000 | -70.3% | 1.7% |
CROSSCOUNTRY MORTGAGE, LLC | $17,585,000 | $15,810,000 | -10.1% | 1.6% |
Wells Fargo Bank | $43,600,000 | $15,480,000 | -64.5% | 1.5% |
Truist | $17,380,000 | $14,600,000 | -16.0% | 1.4% |
Mortgage Research Center, LLC | $14,005,000 | $14,470,000 | 3.3% | 1.4% |
TOTAL MORTGAGE SERVICES, LLC | $14,550,000 | $13,810,000 | -5.1% | 1.4% |
Seacoast National Bank | $22,350,000 | $13,640,000 | -39.0% | 1.4% |
TD Bank | $14,620,000 | $10,970,000 | -25.0% | 1.1% |
NAVY FEDERAL CREDIT UNION | $15,110,000 | $10,240,000 | -32.2% | 1.0% |
NEWREZ LLC | $3,195,000 | $9,715,000 | 204.1% | 1.0% |
EAGLE HOME MORTGAGE, LLC | $225,000 | $9,440,000 | 4,095.6% | 0.9% |
EVERETT FINANCIAL, INC. | $12,455,000 | $9,310,000 | -25.3% | 0.9% |
LOANDEPOT.COM, LLC | $22,395,000 | $9,255,000 | -58.7% | 0.9% |
U.S. Bank | $17,925,000 | $8,615,000 | -51.9% | 0.9% |
Morgan Stanley Private Bank | $24,985,000 | $8,585,000 | -65.6% | 0.9% |
MIDFLORIDA | $17,815,000 | $8,540,000 | -52.1% | 0.8% |
Raymond James Bank | $1,810,000 | $7,880,000 | 335.4% | 0.8% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $15,310,000 | $7,470,000 | -51.2% | 0.7% |
THE MORTGAGE FIRM, INC. | $7,565,000 | $6,740,000 | -10.9% | 0.7% |
PENNYMAC LOAN SERVICES, LLC | $15,935,000 | $6,640,000 | -58.3% | 0.7% |
PULTE MORTGAGE LLC | $19,890,000 | $6,585,000 | -66.9% | 0.7% |
FBC MORTGAGE, LLC | $13,840,000 | $6,440,000 | -53.5% | 0.6% |
Goldman Sachs Bank USA | $16,190,000 | $6,240,000 | -61.5% | 0.6% |
Flagstar Bank, FSB | $9,220,000 | $6,110,000 | -33.7% | 0.6% |
First Horizon Bank | $10,175,000 | $6,055,000 | -40.5% | 0.6% |
City National Bank of Florida | $9,145,000 | $5,435,000 | -40.6% | 0.5% |
Citizens Bank | $14,330,000 | $5,140,000 | -64.1% | 0.5% |
The Northern Trust Company | $17,680,000 | $4,835,000 | -72.7% | 0.5% |
RADIUS FINANCIAL GROUP INC. | $9,940,000 | $4,810,000 | -51.6% | 0.5% |
BNY Mellon | $5,375,000 | $4,735,000 | -11.9% | 0.5% |
MUTUAL OF OMAHA MORTGAGE, INC. | $4,700,000 | $4,655,000 | -1.0% | 0.5% |
The Huntington National Bank | $1,800,000 | $4,430,000 | 146.1% | 0.4% |
FREEDOM MORTGAGE CORPORATION | $11,305,000 | $4,380,000 | -61.3% | 0.4% |
Prosperity Home Mortgage, LLC | $2,180,000 | $4,365,000 | 100.2% | 0.4% |
FINANCE OF AMERICA REVERSE LLC | $2,465,000 | $4,330,000 | 75.7% | 0.4% |
Northbrook Bank & Trust | $4,245,000 | n/a | 0.4% | |
ITHINK FINANCIAL Credit Union | $7,165,000 | $4,200,000 | -41.4% | 0.4% |
Waterstone Mortgage Corporation | $1,515,000 | $4,160,000 | 174.6% | 0.4% |
GUARANTEED RATE AFFINITY, LLC | $3,220,000 | $4,150,000 | 28.9% | 0.4% |
Citibank | $970,000 | $4,095,000 | 322.2% | 0.4% |
USAA Federal Savings Bank | $4,635,000 | $3,965,000 | -14.5% | 0.4% |
GUARANTEED RATE, INC. | $12,225,000 | $3,905,000 | -68.1% | 0.4% |
LENDINGHOME FUNDING CORPORATION | $5,105,000 | $3,685,000 | -27.8% | 0.4% |
BROKER SOLUTIONS, INC. | $3,540,000 | $3,585,000 | 1.3% | 0.4% |
SWBC MORTGAGE CORPORATION | $2,395,000 | $3,470,000 | 44.9% | 0.3% |
Third Federal Savings and Loan Association of Cleveland | $5,620,000 | $3,470,000 | -38.3% | 0.3% |
First Republic Bank | $28,745,000 | $3,345,000 | -88.4% | 0.3% |
AMERISAVE MORTGAGE CORPORATION | $7,895,000 | $3,295,000 | -58.3% | 0.3% |
BAY CAPITAL MORTGAGE CORPORATION | $2,015,000 | $3,210,000 | 59.3% | 0.3% |
Fifth Third Bank | $3,115,000 | $3,195,000 | 2.6% | 0.3% |
NEW DAY FINANCIAL, LLC | $3,305,000 | $3,165,000 | -4.2% | 0.3% |
EMM LOANS LLC | $3,265,000 | $2,815,000 | -13.8% | 0.3% |
MidFirst Bank | $405,000 | $2,600,000 | 542.0% | 0.3% |
NP, Inc. | $2,070,000 | $2,600,000 | 25.6% | 0.3% |
Paramount Residential Mortgage Group, Inc. | $7,710,000 | $2,540,000 | -67.1% | 0.3% |
Synovus Bank | $1,695,000 | $2,535,000 | 49.6% | 0.3% |
ACOPIA, LLC | $4,000,000 | $2,510,000 | -37.3% | 0.2% |
Mr. Cooper ( Nationstar Mortgage ) | $14,260,000 | $2,375,000 | -83.3% | 0.2% |
BAY EQUITY LLC | $1,435,000 | $2,370,000 | 65.2% | 0.2% |
NVR Mortgage Finance, Inc. | $19,060,000 | $2,295,000 | -88.0% | 0.2% |
HOMESIDE FINANCIAL, LLC | $1,640,000 | $2,255,000 | 37.5% | 0.2% |
Charles Schwab Bank, SSB | $8,920,000 | $2,250,000 | -74.8% | 0.2% |
ANGEL OAK MORTGAGE SOLUTIONS LLC | $6,865,000 | $2,230,000 | -67.5% | 0.2% |
EMBRACE HOME LOANS, INC. | $3,290,000 | $2,205,000 | -33.0% | 0.2% |
Vista Bank | $2,205,000 | n/a | 0.2% | |
Hometown Equity Mortgage, LLC | $190,000 | $2,200,000 | 1,057.9% | 0.2% |
M&T Bank | $4,105,000 | $2,170,000 | -47.1% | 0.2% |
A&D Mortgage LLC | $3,010,000 | $2,110,000 | -29.9% | 0.2% |
UNION HOME MORTGAGE CORP. | $6,500,000 | $2,085,000 | -67.9% | 0.2% |
PLAZA HOME MORTGAGE, INC. | $755,000 | $2,035,000 | 169.5% | 0.2% |
Machias Savings Bank | $2,005,000 | n/a | 0.2% | |
First National Bank of Pennsylvania | $1,090,000 | $1,945,000 | 78.4% | 0.2% |
AMERICAN FINANCIAL NETWORK, INC. | $1,895,000 | n/a | 0.2% | |
ARC HOME LLC | $2,170,000 | $1,885,000 | -13.1% | 0.2% |
CMG MORTGAGE, INC. | $1,790,000 | $1,870,000 | 4.5% | 0.2% |
First-Citizens Bank & Trust Company | $3,770,000 | $1,855,000 | -50.8% | 0.2% |
Prosperity Bank | $1,825,000 | n/a | 0.2% | |
United Community Bank | $2,475,000 | $1,815,000 | -26.7% | 0.2% |
Discover Bank | $1,200,000 | $1,775,000 | 47.9% | 0.2% |
Plains Commerce Bank | $3,290,000 | $1,715,000 | -47.9% | 0.2% |
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $1,705,000 | n/a | 0.2% | |
Univest Bank and Trust Co. | $1,045,000 | $1,705,000 | 63.2% | 0.2% |
Figure Lending LLC | $1,705,000 | $1,680,000 | -1.5% | 0.2% |
Commerce Home Mortgage, Inc. | $4,105,000 | $1,665,000 | -59.4% | 0.2% |
JMAC LENDING, INC. | $285,000 | $1,610,000 | 464.9% | 0.2% |
PLANET HOME LENDING, LLC | $4,560,000 | $1,530,000 | -66.4% | 0.2% |
BAY-VALLEY MORTGAGE GROUP | $1,525,000 | n/a | 0.2% | |
UBS Bank USA | $9,395,000 | $1,505,000 | -84.0% | 0.1% |
Valley National Bank | $3,815,000 | $1,505,000 | -60.6% | 0.1% |
Cornerstone First Mortgage, Inc | $730,000 | $1,495,000 | 104.8% | 0.1% |
ZILLOW HOME LOANS, LLC | $1,175,000 | $1,490,000 | 26.8% | 0.1% |
PENTAGON FEDERAL CREDIT UNION | $1,515,000 | $1,485,000 | -2.0% | 0.1% |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $365,000 | $1,440,000 | 294.5% | 0.1% |
First Financial Bank | $1,430,000 | n/a | 0.1% | |
NFM, INC. | $2,330,000 | $1,415,000 | -39.3% | 0.1% |
Regions Bank | $2,600,000 | $1,410,000 | -45.8% | 0.1% |
STAUNTON FINANCIAL, INC. | $1,385,000 | n/a | 0.1% | |
FIRST HOME MORTGAGE CORPORATION | $1,360,000 | n/a | 0.1% | |
BANKSOUTH MORTGAGE COMPANY, LLC | $1,275,000 | n/a | 0.1% | |
FIRST EQUITY MORTGAGE BANKERS, INC. | $1,330,000 | $1,255,000 | -5.6% | 0.1% |
VELOCITY COMMERCIAL CAPITAL, LLC | $335,000 | $1,240,000 | 270.1% | 0.1% |
Ally Bank | $825,000 | $1,195,000 | 44.8% | 0.1% |
GUILD MORTGAGE COMPANY | $1,070,000 | $1,190,000 | 11.2% | 0.1% |
Stifel Bank and Trust | $7,125,000 | $1,190,000 | -83.3% | 0.1% |
DEEPHAVEN MORTGAGE LLC | $285,000 | $1,175,000 | 312.3% | 0.1% |
GENEVA FINANCIAL, LLC | $725,000 | $1,160,000 | 60.0% | 0.1% |
NBKC BANK | $560,000 | $1,140,000 | 103.6% | 0.1% |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,915,000 | $1,140,000 | -40.5% | 0.1% |
COMPASS MORTGAGE, INC. | $545,000 | $1,130,000 | 107.3% | 0.1% |
First United Bank and Trust Company | $365,000 | $1,105,000 | 202.7% | 0.1% |
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,370,000 | $1,100,000 | -19.7% | 0.1% |
Carrington Mortgage Services, LLC | $3,210,000 | $1,075,000 | -66.5% | 0.1% |
ROSS MORTGAGE CORPORATION | $305,000 | $1,070,000 | 250.8% | 0.1% |
TrustCo Bank | $3,730,000 | $1,040,000 | -72.1% | 0.1% |
Equity Prime Mortgage LLC | $2,850,000 | $1,010,000 | -64.6% | 0.1% |
OCMBC, INC. | $1,805,000 | $995,000 | -44.9% | 0.1% |
VILLAGE CAPITAL MORTGAGE | $495,000 | $995,000 | 101.0% | 0.1% |
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,605,000 | $990,000 | -38.3% | 0.1% |
ON Q FINANCIAL, INC. | $990,000 | n/a | 0.1% | |
TEACHERS | $985,000 | n/a | 0.1% | |
MICHIGAN MUTUAL, INC. | $295,000 | $970,000 | 228.8% | 0.1% |
RBC Bank, (Georgia) | $300,000 | $965,000 | 221.7% | 0.1% |
Mid-Continent Funding, Inc. | $620,000 | $960,000 | 54.8% | 0.1% |
BETTER MORTGAGE CORPORATION | $4,080,000 | $945,000 | -76.8% | 0.1% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,380,000 | $930,000 | -60.9% | 0.1% |
Sierra Pacific Mortgage Company, Inc. | $1,575,000 | $930,000 | -41.0% | 0.1% |
First Merchants Bank | $905,000 | n/a | 0.1% | |
TOGETHER CREDIT UNION | $880,000 | n/a | 0.1% | |
21ST MORTGAGE CORPORATION | $705,000 | $860,000 | 22.0% | 0.1% |
American Mortgage & Equity Consultants, Inc. | $845,000 | n/a | 0.1% | |
Leader Bank | $345,000 | $820,000 | 137.7% | 0.1% |
NATIONWIDE MORTGAGE BANKERS, INC. | $835,000 | $820,000 | -1.8% | 0.1% |
NEW FED MORTGAGE, CORP. | $805,000 | n/a | 0.1% | |
LIMA ONE CAPITAL, LLC | $255,000 | $800,000 | 213.7% | 0.1% |
MY MORTGAGE, INC. | $1,720,000 | $800,000 | -53.5% | 0.1% |
LAKEVIEW LOAN SERVICING, LLC | $5,575,000 | $785,000 | -85.9% | 0.1% |
Republic Bank & Trust Company | $1,070,000 | $765,000 | -28.5% | 0.1% |
Webster Bank | $430,000 | $765,000 | 77.9% | 0.1% |
DIGITAL Federal Credit Union | $110,000 | $750,000 | 581.8% | 0.1% |
LONGBRIDGE FINANCIAL, LLC | $3,820,000 | $750,000 | -80.4% | 0.1% |
TRIAD FINANCIAL SERVICES, INC. | $835,000 | $750,000 | -10.2% | 0.1% |
NJ LENDERS CORP. | $735,000 | n/a | 0.1% | |
PROVIDENT FUNDING ASSOCIATES, L.P. | $2,395,000 | $735,000 | -69.3% | 0.1% |
Barrington Bank & Trust Company, N.A. | $1,660,000 | $730,000 | -56.0% | 0.1% |
Financial Federal Bank | $725,000 | n/a | 0.1% | |
Signature Bank, N.A. | $725,000 | n/a | 0.1% | |
Old National Bank | $2,750,000 | $715,000 | -74.0% | 0.1% |
S1L, Inc. | $705,000 | n/a | 0.1% | |
UMB Bank | $705,000 | n/a | 0.1% | |
Grow Financial Federal Credit Union | $690,000 | n/a | 0.1% | |
HOMESTEAD FUNDING CORP. | $740,000 | $680,000 | -8.1% | 0.1% |
NEXERA HOLDING LLC | $3,820,000 | $675,000 | -82.3% | 0.1% |
Strong Home Mortgage, LLC | $1,070,000 | $670,000 | -37.4% | 0.1% |
BNC National Bank | $505,000 | $660,000 | 30.7% | 0.1% |
Keystone Funding, Inc. | $650,000 | n/a | 0.1% | |
SPRING EQ, LLC | $2,100,000 | $630,000 | -70.0% | 0.1% |
AMERICAN PACIFIC MORTGAGE CORPORATION | $2,205,000 | $625,000 | -71.7% | 0.1% |
Centennial Bank | $125,000 | $625,000 | 400.0% | 0.1% |
NETWORK CAPITAL FUNDING CORPORATION | $980,000 | $625,000 | -36.2% | 0.1% |
American Security Mortgage Corp. | $305,000 | $605,000 | 98.4% | 0.1% |
CHURCHILL MORTGAGE CORPORATION | $735,000 | $605,000 | -17.7% | 0.1% |
Goldwater Bank, N.A. | $365,000 | $600,000 | 64.4% | 0.1% |
University Bank | $600,000 | n/a | 0.1% | |
MLD MORTGAGE INC. | $595,000 | n/a | 0.1% | |
Advisors Mortgage Group, L.L.C. | $1,115,000 | $590,000 | -47.1% | 0.1% |
Bethpage Federal Credit Union | $630,000 | $590,000 | -6.3% | 0.1% |
Loan Simple, Inc. | $355,000 | $575,000 | 62.0% | 0.1% |
SOUTH CENTRAL BANK, INC. | $255,000 | $575,000 | 125.5% | 0.1% |
BRIGHTSTAR | $560,000 | n/a | 0.1% | |
ALL REVERSE MORTGAGE, INC. | $535,000 | n/a | 0.1% | |
HOMEXPRESS MORTGAGE CORP. | $450,000 | $530,000 | 17.8% | 0.1% |
LOANPAL, LLC | $1,945,000 | $530,000 | -72.8% | 0.1% |
COMMUNITY CREDIT UNION OF FLORIDA | $1,175,000 | $520,000 | -55.7% | 0.1% |
KeyBank | $1,260,000 | $510,000 | -59.5% | 0.1% |
Mortgage Lenders Investment Trading Corporation | $5,300,000 | $510,000 | -90.4% | 0.1% |
CNB Bank | $505,000 | n/a | 0.1% | |
GTE Federal Credit Union | $35,000 | $495,000 | 1,314.3% | 0.0% |
Coastal Community Bank | $490,000 | n/a | 0.0% | |
LEADERONE FINANCIAL CORPORATION | $245,000 | $490,000 | 100.0% | 0.0% |
VERITAS FUNDING, LLC | $680,000 | $490,000 | -27.9% | 0.0% |
ROYAL UNITED MORTGAGE LLC | $995,000 | $480,000 | -51.8% | 0.0% |
Citadel Servicing Corporation | $890,000 | $470,000 | -47.2% | 0.0% |
Bell Bank | $750,000 | $455,000 | -39.3% | 0.0% |
Gateway First Bank | $1,180,000 | $455,000 | -61.4% | 0.0% |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,300,000 | $455,000 | -80.2% | 0.0% |
Bank of Springfield | $605,000 | $440,000 | -27.3% | 0.0% |
OPEN MORTGAGE, LLC | $975,000 | $435,000 | -55.4% | 0.0% |
ALLIANT CREDIT UNION | $1,010,000 | $430,000 | -57.4% | 0.0% |
Service Federal Credit Union | $425,000 | n/a | 0.0% | |
TOP FLITE FINANCIAL, INC. | $105,000 | $425,000 | 304.8% | 0.0% |
CASTLE & COOKE MORTGAGE, LLC | $880,000 | $420,000 | -52.3% | 0.0% |
NORTHPOINT MORTGAGE, INC. | $420,000 | n/a | 0.0% | |
TOWNE MORTGAGE COMPANY | $175,000 | $420,000 | 140.0% | 0.0% |
The Federal Savings Bank | $570,000 | $415,000 | -27.2% | 0.0% |
FIRST MORTGAGE COMPANY, INC. | $405,000 | n/a | 0.0% | |
GUARANTY HOME MORTGAGE CORPORATION | $745,000 | $405,000 | -45.6% | 0.0% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $485,000 | $400,000 | -17.5% | 0.0% |
West Gate Bank | $395,000 | n/a | 0.0% | |
LENDINGONE, LLC | $380,000 | n/a | 0.0% | |
LOANLEADERS OF AMERICA, INC. | $375,000 | n/a | 0.0% | |
RELIANCE FIRST CAPITAL, LLC | $930,000 | $375,000 | -59.7% | 0.0% |
AmeriHome Mortgage Company, LLC | $915,000 | $370,000 | -59.6% | 0.0% |
MEGASTAR FINANCIAL CORP. | $365,000 | n/a | 0.0% | |
SECURITYNATIONAL MORTGAGE COMPANY | $245,000 | $365,000 | 49.0% | 0.0% |
CITADEL FEDERAL CREDIT UNION | $355,000 | n/a | 0.0% | |
Community First National Bank | $355,000 | n/a | 0.0% | |
INTELLILOAN, INC. | $175,000 | $355,000 | 102.9% | 0.0% |
York Traditions Bank | $355,000 | n/a | 0.0% | |
GSF Mortgage Corporation | $985,000 | $345,000 | -65.0% | 0.0% |
INTERLINC MORTGAGE SERVICES, LLC | $345,000 | n/a | 0.0% | |
MASSMUTUAL | $345,000 | n/a | 0.0% | |
First Federal Savings Bank | $335,000 | n/a | 0.0% | |
LEGEND LENDING CORPORATION | $295,000 | $335,000 | 13.6% | 0.0% |
MID AMERICA MORTGAGE, INC. | $795,000 | $335,000 | -57.9% | 0.0% |
Ardent Federal Credit Union | $330,000 | n/a | 0.0% | |
HOMESTAR FINANCIAL CORPORATION | $660,000 | $325,000 | -50.8% | 0.0% |
VAN DYK MORTGAGE CORPORATION | $250,000 | $325,000 | 30.0% | 0.0% |
GREENSTATE CREDIT UNION | $105,000 | $315,000 | 200.0% | 0.0% |
CLEARPATH LENDING | $1,985,000 | $305,000 | -84.6% | 0.0% |
General Mortgage Capital Corporation | $305,000 | n/a | 0.0% | |
Northwest Bank | $695,000 | $305,000 | -56.1% | 0.0% |
FIRST COMMUNITY MORTGAGE, INC. | $300,000 | n/a | 0.0% | |
METROPLEX MORTGAGE SERVICES, INC. | $225,000 | $300,000 | 33.3% | 0.0% |
ABSOLUTE HOME MORTGAGE CORPORATION | $105,000 | $295,000 | 181.0% | 0.0% |
AMWEST FUNDING CORP. | $295,000 | n/a | 0.0% | |
Century Mortgage Company DBA Century Lending Company | $430,000 | $295,000 | -31.4% | 0.0% |
GEO-CORP, INC. | $295,000 | n/a | 0.0% | |
Ameris Bank | $780,000 | $285,000 | -63.5% | 0.0% |
FAIRWINDS CREDIT UNION | $1,165,000 | $285,000 | -75.5% | 0.0% |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $590,000 | $285,000 | -51.7% | 0.0% |
SUN WEST MORTGAGE COMPANY, INC. | $1,060,000 | $285,000 | -73.1% | 0.0% |
TROPICAL FINANCIAL CREDIT UNION | $25,000 | $285,000 | 1,040.0% | 0.0% |
USAlliance Federal Credit Union | $195,000 | $285,000 | 46.2% | 0.0% |
American Airlines Federal Credit Union | $160,000 | $280,000 | 75.0% | 0.0% |
AMERICAN BANCSHARES MORTGAGE | $295,000 | $275,000 | -6.8% | 0.0% |
Evolve Bank & Trust | $275,000 | n/a | 0.0% | |
First Savings Bank | $540,000 | $275,000 | -49.1% | 0.0% |
LAKE MICHIGAN CREDIT UNION | $2,005,000 | $275,000 | -86.3% | 0.0% |
SOUTH FLORIDA EDUCATIONAL | $275,000 | n/a | 0.0% | |
BAC Florida Bank | $265,000 | n/a | 0.0% | |
C & F Mortgage Corporation | $265,000 | n/a | 0.0% | |
Guardian Savings Bank, A Federal Savings Bank | $265,000 | n/a | 0.0% | |
NexBank | $205,000 | $265,000 | 29.3% | 0.0% |
Northpointe Bank | $2,995,000 | $265,000 | -91.2% | 0.0% |
ORLANDO CREDIT UNION | $35,000 | $265,000 | 657.1% | 0.0% |
READY MORTGAGE LENDERS, LLC | $265,000 | n/a | 0.0% | |
AFFINITY | $75,000 | $260,000 | 246.7% | 0.0% |
PHH Mortgage Corporation | $1,735,000 | $260,000 | -85.0% | 0.0% |
Heartland Bank and Trust Company | $255,000 | n/a | 0.0% | |
LENDSURE MORTGAGE CORP. | $255,000 | n/a | 0.0% | |
Ixonia Bank | $960,000 | $250,000 | -74.0% | 0.0% |
Arvest Bank | $1,040,000 | $245,000 | -76.4% | 0.0% |
FAIR WAY LENDING LLC | $245,000 | n/a | 0.0% | |
FIRST SOUTH FINANCIAL | $245,000 | n/a | 0.0% | |
The Dart Bank | $245,000 | n/a | 0.0% | |
WATSON MORTGAGE CORP. | $235,000 | $240,000 | 2.1% | 0.0% |
ENVOY MORTGAGE, LTD | $235,000 | n/a | 0.0% | |
Florida Capital Bank | $235,000 | n/a | 0.0% | |
HSBC BANK USA, NATIONAL ASSOCIATION | $235,000 | n/a | 0.0% | |
CONTOUR MORTGAGE CORPORATION | $265,000 | $225,000 | -15.1% | 0.0% |
First National Bank of America | $225,000 | n/a | 0.0% | |
Premium Mortgage Corporation | $645,000 | $225,000 | -65.1% | 0.0% |
The Park National Bank | $225,000 | n/a | 0.0% | |
CLIFFCO, INC. | $215,000 | n/a | 0.0% | |
DAS Acquisition Company, LLC | $440,000 | $215,000 | -51.1% | 0.0% |
Norway Savings Bank | $215,000 | n/a | 0.0% | |
Bank-Fund Staff Federal Credit Union | $205,000 | n/a | 0.0% | |
Grundy Bank | $205,000 | n/a | 0.0% | |
POLISH & SLAVIC FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
State Department Federal Credit Union | $235,000 | $205,000 | -12.8% | 0.0% |
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,550,000 | $195,000 | -87.4% | 0.0% |
North American Savings Bank, F.S.B. | $570,000 | $195,000 | -65.8% | 0.0% |
AMERICAN HERITAGE LENDING, INC. | $205,000 | $185,000 | -9.8% | 0.0% |
GEORGIA'S OWN | $300,000 | $175,000 | -41.7% | 0.0% |
Summit Mortgage Corporation | $610,000 | $175,000 | -71.3% | 0.0% |
Connexus Credit Union | $160,000 | n/a | 0.0% | |
Mortgage Bank of California | $1,325,000 | $155,000 | -88.3% | 0.0% |
MASON MCDUFFIE MORTGAGE CORPORATION | $145,000 | n/a | 0.0% | |
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $135,000 | $135,000 | 0.0% | 0.0% |
SHELTER MORTGAGE COMPANY, L.L.C. | $4,015,000 | $135,000 | -96.6% | 0.0% |
Truliant Federal Credit Union | $40,000 | $135,000 | 237.5% | 0.0% |
LAUNCH FEDERAL CREDIT UNION | $25,000 | $130,000 | 420.0% | 0.0% |
ADVANCIAL | $115,000 | $125,000 | 8.7% | 0.0% |
DRAPER AND KRAMER MORTGAGE CORP. | $305,000 | $125,000 | -59.0% | 0.0% |
UNIFY FINANCIAL Credit Union | $125,000 | n/a | 0.0% | |
TRUMARK FINANCIAL CREDIT UNION | $120,000 | n/a | 0.0% | |
HOME TOWN FUNDING, INC. | $405,000 | $115,000 | -71.6% | 0.0% |
BMO Harris Bank | $21,490,000 | $105,000 | -99.5% | 0.0% |
Equity Bank | $105,000 | n/a | 0.0% | |
MMS MORTGAGE SERVICES, LTD. | $105,000 | n/a | 0.0% | |
MORTGAGE EQUITY PARTNERS LLC | $215,000 | $105,000 | -51.2% | 0.0% |
NORTHROP GRUMMAN Federal Credit Union | $105,000 | n/a | 0.0% | |
Suncoast Credit Union | $235,000 | $105,000 | -55.3% | 0.0% |
PUBLIX EMPLOYEES | $1,215,000 | $100,000 | -91.8% | 0.0% |
Park Lane Finance Solutions, LLC | $380,000 | $95,000 | -75.0% | 0.0% |
The Loan Store, Inc. | $95,000 | n/a | 0.0% | |
COUNTRYPLACE MORTGAGE, LTD. | $190,000 | $75,000 | -60.5% | 0.0% |
First American Bank | $75,000 | n/a | 0.0% | |
FLORIDA | $75,000 | $75,000 | 0.0% | 0.0% |
Liberty Savings Bank, F.S.B. | $75,000 | n/a | 0.0% | |
VAL-CHRIS INVESTMENTS, INC. | $75,000 | n/a | 0.0% | |
Extra | $65,000 | n/a | 0.0% | |
POWER FINANCIAL | $65,000 | n/a | 0.0% | |
Baxter Credit Union | $155,000 | $60,000 | -61.3% | 0.0% |
Alaska USA Federal Credit Union | $55,000 | n/a | 0.0% | |
DELTA COMMUNITY CREDIT UNION | $165,000 | $55,000 | -66.7% | 0.0% |
Signature Federal Credit Union | $55,000 | n/a | 0.0% | |
BayCoast Bank | $45,000 | n/a | 0.0% | |
Northwest Federal Credit Union | $345,000 | $45,000 | -87.0% | 0.0% |
Sharefax Credit Union | $45,000 | n/a | 0.0% | |
TOWER | $45,000 | n/a | 0.0% | |
GOLD COAST FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
River Bank & Trust | $25,000 | $35,000 | 40.0% | 0.0% |
121 FINANCIAL | $25,000 | n/a | 0.0% | |
UTILITIES EMPLOYEES CREDIT UNION | $85,000 | $25,000 | -70.6% | 0.0% |
Sebastian - Vero Beach's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 6.8% market share. In second place, with 5.9%, is QUICKEN LOANS, LLC, having originated $59,670,000 in loans. In third place, with 4.1%, is South State Bank, having originated $41,590,000 in loans. In fourth place, with 3.1%, is SPACE COAST Credit Union, having originated $31,050,000 in loans. In fifth place, with 3.0%, is CALIBER HOME LOANS, INC., having originated $30,570,000 in loans.
Sebastian-Vero Beach, FL Average Rent (2023)
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Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
---|---|---|---|---|---|---|
32948 | Sebastian-Vero Beach, FL MSA | $670 | $830 | $1,000 | $1,290 | $1,660 |
32957 | Sebastian-Vero Beach, FL MSA | $840 | $1,050 | $1,260 | $1,620 | $2,100 |
32958 | Sebastian-Vero Beach, FL MSA | $920 | $1,140 | $1,370 | $1,770 | $2,280 |
32960 | Sebastian-Vero Beach, FL MSA | $800 | $1,000 | $1,200 | $1,550 | $2,000 |
32961 | Sebastian-Vero Beach, FL MSA | $840 | $1,050 | $1,260 | $1,620 | $2,100 |
32962 | Sebastian-Vero Beach, FL MSA | $860 | $1,070 | $1,290 | $1,660 | $2,150 |
32963 | Sebastian-Vero Beach, FL MSA | $1,220 | $1,520 | $1,830 | $2,360 | $3,050 |
32964 | Sebastian-Vero Beach, FL MSA | $840 | $1,050 | $1,260 | $1,620 | $2,100 |
32965 | Sebastian-Vero Beach, FL MSA | $840 | $1,050 | $1,260 | $1,620 | $2,100 |
32966 | Sebastian-Vero Beach, FL MSA | $920 | $1,140 | $1,370 | $1,770 | $2,280 |
32967 | Sebastian-Vero Beach, FL MSA | $820 | $1,020 | $1,230 | $1,580 | $2,050 |
32968 | Sebastian-Vero Beach, FL MSA | $1,160 | $1,430 | $1,730 | $2,230 | $2,880 |
32969 | Sebastian-Vero Beach, FL MSA | $840 | $1,050 | $1,260 | $1,620 | $2,100 |
32970 | Sebastian-Vero Beach, FL MSA | $870 | $1,080 | $1,300 | $1,670 | $2,160 |
32971 | Sebastian-Vero Beach, FL MSA | $840 | $1,050 | $1,260 | $1,620 | $2,100 |
32978 | Sebastian-Vero Beach, FL MSA | $840 | $1,050 | $1,260 | $1,620 | $2,100 |
34951 | Sebastian-Vero Beach, FL MSA | $960 | $960 | $1,210 | $1,630 | $1,880 |
2022 Average & Median Rent Data Statistics
Sebastian-Vero Beach, FL average 1BR rent: $1,091, median: $1,050
Sebastian-Vero Beach, FL average 2BR rent: $1,315, median: $1,260
Sebastian-Vero Beach, FL average 3BR rent: $1,697, median: $1,620
Sebastian-Vero Beach, FL Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 2,209 | $747,765,000 | $338,508 |
Home Improvement | 494 | $52,750,000 | $106,781 |
Cash Out Refi | 434 | $92,740,000 | $213,687 |
Other | 387 | $64,745,000 | $167,300 |
Refi | 201 | $47,255,000 | $235,100 |
NA | 1 | $1,705,000 | $1,705,000 |
Sebastian - Vero Beach's most frequently cited loan purpose was Home Purchase, with 2,209 originations. The 2nd most popular reason was Home Improvement, with 494 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
6-7% | 1,315 | $391,665,000 | $297,844 |
7-8% | 873 | $218,715,000 | $250,533 |
Over 8% | 632 | $97,720,000 | $154,620 |
5-6% | 613 | $229,255,000 | $373,989 |
4-5% | 132 | $40,170,000 | $304,318 |
3-4% | 78 | $15,660,000 | $200,769 |
<2.5% | 53 | $1,845,000 | $34,811 |
2.5-3% | 14 | $1,480,000 | $105,714 |
During 2023, Sebastian - Vero Beach's most frequently originated rate bucket was 6-7%, with 1,315 originations.
Loan Sizing (Sebastian-Vero Beach, FL MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$200k-400k | 1,526 | $436,330,000 | $285,931 |
$100k-200k | 805 | $115,275,000 | $143,199 |
$100,000 or less | 801 | $43,235,000 | $53,976 |
$400k-600k | 369 | $172,675,000 | $467,954 |
$600k-1000k | 149 | $109,165,000 | $732,651 |
$Over $1MM | 76 | $130,280,000 | $1,714,211 |
Sebastian - Vero Beach's loan sizing saw the bucket of loans from $200k-400k with 1,526 originations, totaling $436,330,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 1,141 | $400,315,000 | $350,846 |
60-80% | 814 | $287,680,000 | $353,415 |
Under 20% | 720 | $57,960,000 | $80,500 |
20-40% | 532 | $91,440,000 | $171,880 |
40-60% | 424 | $124,260,000 | $293,066 |
Over 100% | 43 | $16,945,000 | $394,070 |
Sebastian - Vero Beach's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,141 originations, totaling $400,315,000 in origination value.