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Recent 100 reports - Distribution

Recent 100 reports - Raw Data

DateInterest RateMortgage TermLoan PurposeLocationLender
2020-05-253.000%30-yr fixedPurchaseHuntsville, AL 35824Heritage Mortgage
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
220,000
LTV
10% < LTV <= 20%
FICO Score
740 - 759
Points
0
Lender Contact
None
Notes
None
2020-05-203.000%30-yr fixedPurchaseRiverview, FL 33578federal credit union
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
I dont know
Loan Amount
240,000
LTV
I don't know
FICO Score
780 - 799
Points
0
Lender Contact
None
Notes
None
2020-05-182.875%30-yr fixedRate-and-term refinanceSouth San Francisco, CA 94080Wells Fargo
Property Type
Single Family
Occupancy
Secondary residence
Mortgage Type
Conforming Loan
Loan Amount
500,000
LTV
30% < LTV <= 40%
FICO Score
760 - 779
Points
0
Lender Contact
None
Notes
None
2020-05-182.500%30-yr 7/1 ARMPurchaseBellevue, WA 98004Bank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
900,000
LTV
20% < LTV <= 30%
FICO Score
760 - 779
Points
0
Lender Contact
None
Notes
Rate is after 0.25% discount for transferring $500k in investments
2020-05-163.250%20-yr fixedRate-and-term refinanceImperial Beach, CA 91932US Bank
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
875,000
LTV
20% < LTV <= 30%
FICO Score
800 - 850
Points
0.3
Lender Contact
None
Notes
None
2020-05-153.375%30-yr fixedCash-out refinanceSan Mateo, CA 94402Chase
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
960,000
LTV
30% < LTV <= 40%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-05-142.875%30-yr fixedPurchaseSan Francisco, CA 94102Wells Fargo
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
2,000,000
LTV
I don't know
FICO Score
740 - 759
Points
0
Lender Contact
None
Notes
Deposit $750k to wells fargo account in change for rate reduced
2020-05-132.875%30-yr fixedRate-and-term refinanceSunnyvale, CA 94086Chase
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
640,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-05-122.990%30-yr fixedPurchaseSeattle, WA 98102Fairway Independent Mortgage Corp
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
722,500
LTV
80% < LTV <= 90%
FICO Score
720 - 739
Points
0
Lender Contact
rbeckner@fairwaymc.com
Notes
None
2020-05-123.250%30-yr 10/1 ARMRate-and-term refinanceMiami, FL 33138US Bank
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
587,000
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-05-122.500%30-yr 10/1 ARMPurchaseSan Jose, CA 95128Wells Fargo
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,172,000
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
None
Notes
.25% discount for moving $500k to wells
2020-05-102.500%30-yr 7/1 ARMPurchaseSan Jose, CA 95110Wells Fargo
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
825,000
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
None
Notes
None
2020-05-052.625%30-yr 7/1 ARMPurchaseSanta Clara, CA 95051PNC
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,200,000
LTV
80% < LTV <= 90%
FICO Score
780 - 799
Points
0
Lender Contact
None
Notes
None
2020-05-053.125%30-yr fixedPurchaseRidgewood, NY 11385PNC
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
298,000
LTV
80% < LTV <= 90%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-05-043.125%30-yr fixedRate-and-term refinanceSpringfield, VA 22152Consumer Direct Mortgage
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
VA
Loan Amount
586,000
LTV
80% < LTV <= 90%
FICO Score
780 - 799
Points
0
Lender Contact
None
Notes
None
2020-05-012.875%30-yr fixedRate-and-term refinanceFremont, CA 94539Chase
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
900,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0.8 point
Lender Contact
None
Notes
None
2020-04-303.125%30-yr fixedPurchaseKnoxville, TN 37932Mortgage investors group MIG
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
FHA-Insured
Loan Amount
278,000
LTV
80% < LTV <= 90%
FICO Score
720 - 739
Points
0
Lender Contact
None
Notes
30 year FHA fixed with lender paid PMI
2020-04-292.500%30-yr 7/1 ARMPurchaseBellevue, WA 98006US Bank
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,000,000
LTV
70% < LTV <= 80%
FICO Score
740 - 759
Points
0
Lender Contact
None
Notes
None
2020-04-273.125%30-yr fixedRate-and-term refinanceSeattle, WA 98155Provident Funding
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
510,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0.75
Lender Contact
mmarshall@provident.com
Notes
No relationship discount, no asset transfer
2020-04-233.750%30-yr fixedRate-and-term refinanceLos Altos, CA 94023Transglobal Lending
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
750,000
LTV
20% < LTV <= 30%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-04-233.000%30-yr fixedRate-and-term refinanceMountain View, CA 94040Chase
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,380,000
LTV
50% < LTV <= 60%
FICO Score
780 - 799
Points
0.058
Lender Contact
will.wang@chase.com
Notes
Got 0.125% discount by having 250k in chase
2020-04-222.500%30-yr 7/1 ARMRate-and-term refinanceSunnyvale, CAFirst Republic Bank
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
580,000
LTV
40% < LTV <= 50%
FICO Score
800 - 850
Points
0
Lender Contact
aholtz@firstrepublic.com
Notes
First republic did ask for deposit but the amount is much less than other banks. Andrew is good to work with because he replies emails in time and the process is smooth. He did forgot one thing or two. If you want your own title company, you have to keep reminding him.
2020-04-203.875%30-yr fixedPurchaseMesa, AZ 85201Home lenders
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
310,400
LTV
90% < LTV <= 100%
FICO Score
760 - 779
Points
Yes, paid $275 to reduce 0.125
Lender Contact
None
Notes
None
2020-04-172.250%30-yr 10/1 ARMRate-and-term refinanceCupertino, CA 95014Citi
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,950,000
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Points
0
Lender Contact
michael.burgoski@citi.com
Notes
Moved $500k to Citi for relationship discount. HIGHLY recommended Lender.
2020-04-163.375%30-yr fixedPurchaseFlushing, NY 11354Sierra Pacific Mortgage
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
460,500
LTV
70% < LTV <= 80%
FICO Score
740 - 759
Points
0
Lender Contact
None
Notes
$933 lender credit.
2020-04-162.875%30-yr 10/1 ARMRate-and-term refinanceDublin, CACiti
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
991,000
LTV
60% < LTV <= 70%
FICO Score
720 - 739
Points
0
Lender Contact
ben.absalom@citi.com
Notes
Move $50k in cash or investments to citi. Really nice person to work with
2020-04-133.000%30-yr 7/1 ARMRate-and-term refinanceSanta Clara, CA 95050Chase
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,010,000
LTV
60% < LTV <= 70%
FICO Score
780 - 799
Points
0
Lender Contact
None
Notes
Got 0.125% discount by having 250k in chase and lender credit $5K.
2020-04-132.625%30-yr 10/1 ARMPurchaseOrange County, CACiti
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
900,000
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
None
Notes
Closing cost a terrible term. Loan origination is about 1100 with appraisal. This is before any relationship discount.
2020-04-102.750%30-yr fixedPurchasePlatte City, MO 64079Arvest Bank
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
VA
Loan Amount
292,500
LTV
90% < LTV <= 100%
FICO Score
760 - 779
Points
0
Lender Contact
None
Notes
None
2020-04-093.250%15-yr fixedRate-and-term refinanceGuttenburg, NJChase
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
180,800
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-04-093.000%30-yr fixedPurchaseSan Francisco, CACiti
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,200,000
LTV
20% < LTV <= 30%
FICO Score
780 - 799
Points
0
Lender Contact
chris.noceti@citi.com 4157460733
Notes
None
2020-04-082.875%30-yr fixedPurchaseSan Francisco, CACiti
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,500,000
LTV
60% < LTV <= 70%
FICO Score
740 - 759
Points
0
Lender Contact
Sam.bhandal@citi.com
Notes
200k Citi account
2020-04-072.340%25-yr fixedPurchaseOttawa, ONRBC
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
446,000
LTV
90% < LTV <= 100%
FICO Score
I don't know my fico score
Points
0
Lender Contact
None
Notes
None
2020-04-053.000%30-yr fixedRate-and-term refinanceFrisco, TX 75034Better.com
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
402,000
LTV
80% < LTV <= 90%
FICO Score
740 - 759
Points
5388
Lender Contact
None
Notes
None
2020-04-022.875%30-yr 3/1 ARMRate-and-term refinanceDublin, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
693,000
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Points
0
Lender Contact
anisha.yadav@bofa.com
Notes
None
2020-04-022.250%30-yr 5/1 ARMRate-and-term refinanceFremont, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
945,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0
Lender Contact
Sean.Kitagawa@bofa.com
Notes
0.25% off by moving 500k to Merrill
2020-04-014.625%30-yr fixedRate-and-term refinanceDublin, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
693,000
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Points
0
Lender Contact
anisha.yadav@bofa.com
Notes
None
2020-03-313.125%30-yr 7/1 ARMRate-and-term refinanceCastro Valley, CA 94546US Bank
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
899,000
LTV
80% < LTV <= 90%
FICO Score
760 - 779
Points
0
Lender Contact
sanzio.garcia@usbank.com
Notes
No PMI. Great experience with US bank.
2020-03-303.125%15-yr fixedRate-and-term refinanceHouston, TXBank of Oklahoma
Property Type
Single Family
Occupancy
Secondary residence
Mortgage Type
Conforming Loan
Loan Amount
110,000
LTV
40% < LTV <= 50%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-03-303.375%30-yr fixedRate-and-term refinancePalo Alto, CAWells Fargo
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
678,000
LTV
20% < LTV <= 30%
FICO Score
800 - 850
Points
0
Lender Contact
maria@wellsfargo.com
Notes
closing includes $1695 in lender credits
2020-03-293.750%30-yr 7/1 ARMRate-and-term refinanceSan Mateo, CAWells Fargo
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,020,000
LTV
70% < LTV <= 80%
FICO Score
760 - 779
Points
0
Lender Contact
Vikas.chaddah@wellsfargo.com
Notes
Provided $500 in gift card
2020-03-262.825%30-yr 7/1 ARMRate-and-term refinanceSan Jose, CAHSBC
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,100,000
LTV
70% < LTV <= 80%
FICO Score
760 - 779
Points
0
Lender Contact
hong.x.sha@us.hsbc.com
Notes
None
2020-03-233.250%30-yr fixedRate-and-term refinanceSanta Clara, CAChase
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,091,000
LTV
70% < LTV <= 80%
FICO Score
760 - 779
Points
0
Lender Contact
kimmie.vo@chase.com
Notes
All cost covered by lender credits. The rate doesn’t include any relationship discount or asset transfer
2020-03-233.125%30-yr fixedPurchaseHouston, TXflagstar
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
510,000
LTV
60% < LTV <= 70%
FICO Score
760 - 779
Points
0
Lender Contact
None
Notes
None
2020-03-202.875%30-yr fixedRate-and-term refinancePlaya Vista, CA 90094Bank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,612,000
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
vicki.svendsgaard@bofa.com
Notes
All closing costs covered by the bank. Base rate was 3.125% and reduced by 0.25% for moving 500k in a combination of cash/assets to boa/merrill lynch
2020-03-202.500%30-yr 10/1 ARMPurchaseSan Jose, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
912,000
LTV
20% < LTV <= 30%
FICO Score
800 - 850
Points
0
Lender Contact
Sean.kitagawa@bofa.com
Notes
None
2020-03-192.750%30-yr 7/1 ARMPurchaseMountain View, CAWells Fargo
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
705,000
LTV
80% < LTV <= 90%
FICO Score
800 - 850
Points
0
Lender Contact
lsha.vaidya@wellsfargo.com
Notes
None
2020-03-172.750%30-yr 10/1 ARMRate-and-term refinanceFremont, CAUS Bank
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
600,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0
Lender Contact
sanzio.garcia@usbank.com
Notes
Needed to open a platinum checking account to get zero closing cost. No asset transfer required
2020-03-153.000%30-yr fixedPurchaseSan Mateo, CA 94401Bank of America
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,100,000
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
ramin.s.mohajer@bofa.com
Notes
Closing cost includes $600 discount on loan costs for being Bofa Preferred Client Lender Credit 0.5% of loan amount ($5500) on top of the closing costs. Rate could be further reduced with relationship discount for moving assets to bofa/merrill (250k -> 0.125%, 500k -> 0.25% and 1M -> 0.5%)
2020-03-153.375%30-yr fixedRate-and-term refinanceSan Jose, CAFannie Mae
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
800,000
LTV
70% < LTV <= 80%
FICO Score
720 - 739
Points
0
Lender Contact
lillian@lilianmortgage.com
Notes
None
2020-03-132.875%30-yr fixedRate-and-term refinanceLos Angeles, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,406,250
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
vicki.svendsgaard@bofa.com
Notes
All closing costs are covered by the bank. Base rate was 3.125% and got 0.25% reduced by moving a combination of cash/assets to boa/merrill Lynch
2020-03-112.750%30-yr fixedPurchaseNew York, NY 10016US Bank
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
948,000
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
donald.tilkins@usbank.com
Notes
$1000 discount for Googlers
2020-03-103.000%30-yr 10/1 ARMCash-out refinanceSanta Monica, CA 90401Citi
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,000,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-03-102.250%15-yr fixedRate-and-term refinanceBothell, WA 98011Bank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
680,000
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
Moved stocks into Merrill Lynch (>500K$)
2020-03-102.750%30-yr 7/1 ARMPurchaseSeattle, WABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conventional
Loan Amount
Unknown
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-03-102.875%30-yr 7/1 ARMPurchaseAlamenda, CAUS Bank
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
909,000
LTV
80% < LTV <= 90%
FICO Score
780 - 799
Points
0
Lender Contact
sanzio.garcia@usbank.com
Notes
Required to open US Bank checking account with minimum initial deposit ($25) to get relationship credit
2020-03-102.125%30-yr fixedRate-and-term refinanceGlendale, AZSatander
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
411,000
LTV
50% < LTV <= 60%
FICO Score
760 - 779
Points
0
Lender Contact
None
Notes
None
2020-03-103.000%30-yr 10/1 ARMCash-out refinanceSanta Monica, CA 90401Citi
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,000,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-03-092.500%30-yr 10/1 ARMPurchaseLos Angeles, CAWells Fargo
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
845,000
LTV
50% < LTV <= 60%
FICO Score
I don't know my fico score
Points
0
Lender Contact
russellB@wellsfargo.com
Notes
relationship discount for having over 500k in savings at WF
2020-03-092.625%30-yr fixedRate-and-term refinanceSan Francisco, CABank of the West
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
800,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0
Lender Contact
Gil.faust@bankofthewest.com
Notes
Assuming assets moved to bank of the west of $1mm. Only need to be present at closing
2020-03-082.750%30-yr fixedRate-and-term refinanceSpokane, CACapital Bank, MD
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
235,000
LTV
60% < LTV <= 70%
FICO Score
780 - 799
Points
Rate included a $2054 lender credit, APR of 2.758
Lender Contact
None
Notes
None
2020-03-062.750%30-yr 7/1 ARMRate-and-term refinanceFremont, CALoan Dept
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
905,625
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
None
Notes
None
2020-03-063.000%30-yr fixedPurchaseMountainside, NJFirst Republic Bank
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
580,000
LTV
70% < LTV <= 80%
FICO Score
760 - 779
Points
0
Lender Contact
jsockolov@firstrepublic.com
Notes
$2500 closing credits and 0.25% rate discount after opening a checking and saving account with first republic
2020-03-063.000%30-yr fixedRate-and-term refinanceSunnyvale, CACiti
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,000,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0
Lender Contact
Michael.burgoski@citi.com
Notes
Includes 0.5% relationship discount for moving $1M to Citi
2020-03-053.125%20-yr fixedRate-and-term refinanceNewark, CALoan Depot
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
643,500
LTV
60% < LTV <= 70%
FICO Score
760 - 779
Points
0
Lender Contact
SoVasquez@loandepot.com
Notes
Loan depot had the lowest even compared to credit unions.
2020-03-052.375%30-yr 7/1 ARMPurchaseSan Diego, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
650,000
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-03-053.000%30-yr fixedRate-and-term refinanceRichmond, CA 94804Agora Lending
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo
Loan Amount
600,000
LTV
60% < LTV <= 70%
FICO Score
760 - 779
Points
0
Lender Contact
None
Notes
Shopped NerdWallet aggressively as economy collapsed
2020-03-052.375%15-yr fixedRate-and-term refinanceCambridge, MAFirst Republic Bank
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
259,000
LTV
40% < LTV <= 50%
FICO Score
800 - 850
Points
0
Lender Contact
Carter Witherspoon
Notes
None
2020-03-053.000%30-yr fixedPurchaseSanta Clara, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,200,000
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0.5% points at $5k approx
Lender Contact
yolanda.liu@bankofamerica.com
Notes
None
2020-03-043.250%30-yr fixedRate-and-term refinanceSan Ramon, CABetter.com
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
720,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-03-043.875%30-yr fixedPurchaseEscondido, CAWells Fargo
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
2,400,000
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
Thomas.P.callen@wellsfargo.com
Notes
Relationship discount: got .125% reduction after deposit less than 500k, 0.25% after deposit between 500k to 1M and .5% after deposit over 1M. Note that down payment counts against the relationship discount
2020-03-022.875%30-yr fixedRate-and-term refinanceFranklin, TN 37067Mutual of Omaha Mortgage
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
388,000
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
fsommese@mutualmortgage.com
Notes
Via Costco
2020-03-023.125%30-yr fixedRate-and-term refinanceSan Jose, CABroker for whole sale
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
510,000
LTV
50% < LTV <= 60%
FICO Score
680 - 699
Points
0
Lender Contact
rebecca.zhang@transgloballending.com
Notes
no point, no fee, no closing cost
2020-03-023.125%30-yr fixedRate-and-term refinanceSeattle, WALoan Factory
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
646,000
LTV
70% < LTV <= 80%
FICO Score
720 - 739
Points
0
Lender Contact
None
Notes
None
2020-03-023.250%30-yr fixedPurchaseWells Fargo
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
600,000
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
None
Notes
None
2020-03-013.875%15-yr fixedRate-and-term refinanceMechanicsburg, PAPNC
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
165,000
LTV
80% < LTV <= 90%
FICO Score
720 - 739
Points
0
Lender Contact
None
Notes
None
2020-03-013.000%30-yr 7/1 ARMPurchaseWells Fargo
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conventional
Loan Amount
Unknown
LTV
60% < LTV <= 70%
FICO Score
I don't know my fico score
Points
0
Lender Contact
None
Notes
None
2020-02-293.090%30-yr 3/1 ARMRate-and-term refinanceSanta Clara, CAThird Federal Credit Union
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Conforming Loan
Loan Amount
505,000
LTV
50% < LTV <= 60%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
$200 in addition to closing costs as county fee for refinancing
2020-02-292.500%30-yr 10/1 ARMRate-and-term refinanceSan Carlos, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,150,000
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Points
0
Lender Contact
Vicki.svendsgaard@bofa.com
Notes
Includes 0.25% relationship discount with $500k deposit to Merrill Lynch
2020-02-292.375%30-yr 7/1 ARMPurchaseSan Francisco, CABank of America
Property Type
Co-op
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
559,200
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
bo.chen@bofa.com
Notes
Seems willing to match or beat any wells fargo quote
2020-02-283.250%30-yr fixedPurchaseFremont, CA 94539Wells Fargo
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
755,196
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
Purchase is a new construction using the builder's lender, in which the investor was Wells Fargo. Builder offered $10,000 in closing credits for using their lender, covering 100% of closing costs.
2020-02-282.750%30-yr 7/1 ARMRate-and-term refinanceFremont, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,060,500
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
bill.ye@bofa.com
Notes
None
2020-02-282.125%30-yr 10/1 ARMRate-and-term refinanceCupertino, CA 95014Bank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,900,000
LTV
60% < LTV <= 70%
FICO Score
800 - 850
Points
0
Lender Contact
lwong2@bofa.com; Linda Wong
Notes
Terrific refinance experience! Moved $500k assets over to BofA. Highly recommended lending officer!
2020-02-283.000%30-yr fixedRate-and-term refinanceLos Gatos, CAQuicken Loans
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,330,000
LTV
50% < LTV <= 60%
FICO Score
760 - 779
Points
0
Lender Contact
None
Notes
Got another quote 2.95 for 30 fixed by first republic bank
2020-02-283.250%30-yr fixedRate-and-term refinanceSan Jose, CABroker, works with Quicken Loans
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conventional
Loan Amount
Unknown
LTV
50% < LTV <= 60%
FICO Score
780 - 799
Points
0
Lender Contact
hsingyenlin@yahoo.com
Notes
None
2020-02-282.250%30-yr 10/1 ARMPurchaseBrooklyn, NYWells Fargo
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,540,000
LTV
70% < LTV <= 80%
FICO Score
760 - 779
Points
0
Lender Contact
gil,kuper@wellsfargo.com
Notes
WF gives .5% reduction
2020-02-273.125%30-yr fixedRate-and-term refinanceSan Jose, CACiti
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,040,000
LTV
70% < LTV <= 80%
FICO Score
760 - 779
Points
0
Lender Contact
None
Notes
None
2020-02-262.875%30-yr 7/1 ARMRate-and-term refinanceSan Jose, CA 95118Bank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Conventional
Loan Amount
Unknown
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
None
Notes
None
2020-02-252.125%30-yr 10/1 ARMPurchaseLos Altos, CA 94023Citi
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,350,000
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
michael.burgoski@citi.com
Notes
highly recommend. very knowledgeable and no BS
2020-02-242.250%30-yr 10/1 ARMPurchaseFremont, CACiti
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,140,000
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
ashish.h.parekh@citi.com
Notes
This rate is after moving $500k to citi. They also gave ~$4900 as credit
2020-02-242.625%30-yr 7/1 ARMRate-and-term refinanceBank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
750,000
LTV
50% < LTV <= 60%
FICO Score
760 - 779
Points
0
Lender Contact
vicki.svendsgaard@bofa.com
Notes
waived off all closing costs
2020-02-233.000%30-yr 10/1 ARMRate-and-term refinanceMilpitas, CACiti Bank
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,197,000
LTV
80% < LTV <= 90%
FICO Score
760 - 779
Points
0
Lender Contact
jason.gallagher@citi.com
Notes
Includes a discount of 0.125% for maintaining $50k in Citi accounts
2020-02-202.125%30-yr 10/1 ARMPurchaseCupertino, CAWells Fargo
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,200,000
LTV
40% < LTV <= 50%
FICO Score
760 - 779
Points
0
Lender Contact
None
Notes
0.5% relationship disc for moving ~1m to Wells Fargo, closing cost credit 4500$
2020-02-202.500%30-yr 10/1 ARMRate-and-term refinanceCupertino, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
867,000
LTV
30% < LTV <= 40%
FICO Score
800 - 850
Points
0
Lender Contact
marc.oliva@bofa.com
Notes
Relationship discount
2020-02-192.990%30-yr fixedPurchasePanama City, FL 32404DR Horton
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
VA
Loan Amount
286,300
LTV
I don't know
FICO Score
780 - 799
Points
0
Lender Contact
None
Notes
None
2020-02-182.500%30-yr 7/1 ARMRate-and-term refinanceSunnyvale, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,000,000
LTV
60% < LTV <= 70%
FICO Score
760 - 779
Points
0
Lender Contact
vicki.svendsgaard@bofa.com
Notes
Including 0.25% relationship discount for moving $500k to Merill Lynch
2020-02-182.875%30-yr 7/1 ARMPurchaseSunnyvale, CABank of America
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
867,000
LTV
60% < LTV <= 70%
FICO Score
760 - 779
Points
0
Lender Contact
kavitha.senthilkumar@bofa.com
Notes
Waived all closing costs
2020-02-132.750%30-yr 10/1 ARMPurchaseFremont, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
784,000
LTV
70% < LTV <= 80%
FICO Score
780 - 799
Points
0
Lender Contact
yolanda.liu@bankofamerica.com
Notes
None
2020-02-112.875%30-yr 10/1 ARMPurchaseSunnyvale, CAWells Fargo
Property Type
Townhome/Condo
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,040,000
LTV
90% < LTV <= 100%
FICO Score
740 - 759
Points
0
Lender Contact
None
Notes
None
2020-02-102.375%30-yr 7/1 ARMPurchaseEast Palo Alto, CABank of America
Property Type
Single Family
Occupancy
Primary residence
Mortgage Type
Jumbo Loan
Loan Amount
1,032,000
LTV
70% < LTV <= 80%
FICO Score
800 - 850
Points
0
Lender Contact
joohi.atri@bofa.com
Notes
0.25% Credit ($2500) A little tardy on reply but pretty knowledgeable and professional. BofA appraisal took about 10days which was very long

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