The sample rate/APR (annual percentage rate) is based on the following assumptions:

• Purchase price: $1,000.000
• Down payment: 20.00%
• Loan type: 30-year fixed rate
• Points: 2 point(s)
• Location: Orange County, CA
• First lien position
• FICO score: 760
• Rate lock period: 30 days
• Property type: Primary residence
• Loan-to-value ratio (LTV): 80.00%
• Debt-to-income ratio: 40%

Advertised rates and APR are effective as of 01/17/2025 and may change.
Please note that the actual interest rate, APR, and payment may vary based on the specific loan terms, verification of information, credit history, property location and type, and other factors determined by the lender. Underwriting guidelines and the applicant’s credit profile also play a role in the approval process. The provided sample payment does not include taxes, insurance, or assessments.

For more information and the most up-to-date rates, please contact us.

In our comparison, we utilize the OPTIMAL BLUE MORTGAGE MARKET INDICES, which are derived from actual locked rates obtained from consumers representing 35% of all mortgage transactions nationwide. The average APR of competitors is estimated based on our typical fees. Please note that actual fees charged by competitors may vary. The comparison incorporates data from the Optimal Blue 30-Year Conforming Index, which operates under the following assumptions:

• Property type: Single-family residences
• Loan purpose: Purchase and rate/term refinances (cash-out refinances are excluded)
• Loan type: Conventional loans
• Loan amounts: Below the conforming loan limits determined by county and year
• Loan structure: Fixed-rate loans
• Property units: Single-unit properties
• Occupancy: Owner-occupied residences
• Loan term: 30-year amortization
• Exclusions: Loans with subordinate financing are not included
• Originations: Retail and correspondent originations (wholesale channel originations are excluded)

The indices are calculated by determining the arithmetic mean of rates from all applicable locks made on each day. The data is updated on a daily basis, excluding weekends and holidays due to lower volume. There may be a slight delay in updating the data, which is typically refreshed overnight with the results from the previous day.