Lender Portal
Best-offer composer
Side-by-side comparison
| Criterion | You · First Community |
East TN Federal |
Tennessee State Bank |
|---|---|---|---|
| Loan amount | $880,000 | $880,000 | $821,100 |
| LTC | ★ Best for borrower 75.0% |
75.0% | 70.0% |
| Rate (interim) | 7.25% | 7.40% | ★ Lowest rate 7.10% |
| Origination fee | ★ Lowest 0.75% |
1.00% | 1.25% |
| Term (months interim) | 12 | 12 | 12 |
| Construction-to-perm | Yes · single close | Yes · single close | No · two closings |
| Time to close | ★ Fastest 14 days |
21 days | 28 days |
| Reserve req. | 4 months PITI | 6 months PITI | 4 months PITI |
| Personal guarantee | Required | Required | Required |
Your offer · editable
Margin estimate (your view)
Origination fee revenue$6,600
Net interest (12 mo est.)$48,400
Servicing cost($3,800)
BG platform fee (1.5 bps)($1,320)
Estimated net$49,880
Risk position
Borrower reliability 4.0 · ${{}}in your buy-box
7 closed loans together · avg variance +2.6%
LTC 75% · within institutional band
Stretched threshold 80% · critical 90%
Geography · primary lending area
Townsend TN · 18 mi from Maryville HQ