Sierra Pacific Mortgage Company Rates, Fees & Info

Los Angeles, CA

LEI: 254900TTZ395IC926125

Tax ID: 68-0101170

4.4 stars - out of 5 stars, based on 154 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Sierra Pacific Mortgage Company is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Sierra Pacific Mortgage Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Sacramento, Portland, Bakersfield, and San Francisco among others. We have data for 462 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Sierra Pacific Mortgage Company has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. Sierra Pacific Mortgage Company is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.66% 10/3/22
    30 Year Conventional Refi 6.44% 10/3/22
    30 Year Cash-out Refi 6.63% 10/3/22
    30 Year FHA Purchase 7.39% 10/3/22
    30 Year FHA Refi 7.05% 10/3/22
    30 Year VA Purchase 6.38% 10/3/22
    30 Year VA Refi 6.07% 10/3/22
    30 Year USDA Purchase 6.73% 10/3/22
    30 Year USDA Refi 6.48% 10/3/22
    15 Year Conventional Purchase 6.32% 10/3/22
    15 Year Conventional Refi 6.24% 10/3/22
    15 Year Cash-out Refi 6.24% 10/3/22
    15 Year FHA Purchase 8.52% 10/3/22
    15 Year FHA Refi 7.76% 10/3/22
    15 Year VA Purchase 7.22% 10/3/22
    15 Year VA Refi 6.86% 10/3/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    23,632

    Origination Dollar Volume (All Markets)

    $7,268,230,000
    Show all (35) awards

    Relative Rate

    Sierra Pacific Mortgage Company 's average 30 year fixed mortgage rate was 3.07%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.08%.

    Relative Fees (Closing Costs)

    Sierra Pacific Mortgage Company 's average total fees/closing costs for a 30 year fixed rate mortgage were $5,590.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1,382 $616,710,000 $446,245 $4,887 2.93%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1,620 $566,820,000 $349,889 $4,424 2.96%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1,470 $521,590,000 $354,823 $5,276 3.00%
    BAKERSFIELD, CA (FHA|USDA|VA) 1,535 $404,425,000 $263,469 $6,581 3.01%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 563 $268,225,000 $476,421 $4,438 2.89%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 871 $264,125,000 $303,243 $5,885 2.89%
    FRESNO, CA (FHA|USDA|VA) 803 $228,585,000 $284,664 $5,635 2.94%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 510 $208,640,000 $409,098 $4,509 2.88%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 620 $204,460,000 $329,774 $5,758 2.90%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 471 $183,715,000 $390,053 $4,812 2.91%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 432 $175,100,000 $405,324 $9,923 2.91%
    Outside of Metro Areas 713 $167,335,000 $234,691 $4,864 3.02%
    WICHITA, KS (FHA|USDA|VA) 791 $147,475,000 $186,441 $4,317 3.11%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 406 $142,720,000 $351,527 $6,124 2.92%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 419 $139,925,000 $333,950 $4,808 3.00%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 477 $134,315,000 $281,583 $5,492 3.14%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 282 $124,150,000 $440,248 $4,791 2.89%
    MADERA, CA (FHA|USDA|VA) 417 $113,455,000 $272,074 $5,120 2.96%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 200 $101,960,000 $509,800 $3,672 2.88%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 371 $101,055,000 $272,385 $3,983 3.04%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 379 $84,565,000 $223,127 $5,896 3.08%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 303 $83,565,000 $275,792 $4,176 3.04%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 199 $77,775,000 $390,829 $3,809 2.85%
    STOCKTON, CA (FHA|USDA|VA) 207 $74,785,000 $361,280 $5,669 3.06%
    KNOXVILLE, TN (FHA|USDA|VA) 266 $67,530,000 $253,872 $6,295 3.05%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 190 $63,520,000 $334,316 $3,805 2.96%
    RICHMOND, VA (FHA|USDA|VA) 242 $60,570,000 $250,289 $4,872 3.07%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 168 $60,350,000 $359,226 $5,580 3.13%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 244 $55,320,000 $226,721 $6,149 3.21%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 216 $52,290,000 $242,083 $2,948 3.05%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 202 $50,570,000 $250,347 $6,514 3.10%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 183 $50,335,000 $275,055 $6,189 3.10%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 173 $50,235,000 $290,376 $5,684 2.90%
    RENO, NV (FHA|USDA|VA) 137 $48,975,000 $357,482 $4,329 3.01%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 168 $47,660,000 $283,690 $5,608 2.87%
    Klamath Falls, OR (FHA|USDA|VA) 203 $45,575,000 $224,507 $5,073 2.97%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 111 $45,555,000 $410,405 $5,802 2.92%
    LANCASTER, PA (FHA|USDA|VA) 217 $43,195,000 $199,055 $5,607 2.95%
    SALEM, OR (FHA|USDA|VA) 134 $42,500,000 $317,164 $6,957 2.87%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 102 $38,210,000 $374,608 $4,486 2.94%
    WORCESTER, MA-CT (FHA|USDA|VA) 130 $37,830,000 $291,000 $5,258 3.15%
    JOHNSON CITY, TN (FHA|USDA|VA) 148 $35,720,000 $241,351 $5,740 3.15%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 114 $32,430,000 $284,474 $7,164 2.94%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 120 $31,950,000 $266,250 $5,496 3.03%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 123 $30,295,000 $246,301 $4,519 3.11%
    MODESTO, CA (FHA|USDA|VA) 94 $28,230,000 $300,319 $5,229 3.05%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 125 $26,855,000 $214,840 $4,710 2.88%
    VALLEJO, CA (FHA|USDA|VA) 74 $26,000,000 $351,351 $4,654 2.93%
    SALINAS, CA (FHA|USDA|VA) 58 $24,030,000 $414,310 $6,034 2.85%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 136 $23,870,000 $175,515 $4,563 3.15%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 87 $22,365,000 $257,069 $5,952 2.85%
    MEDFORD, OR (FHA|USDA|VA) 74 $21,980,000 $297,027 $6,698 2.93%
    REDDING, CA (FHA|USDA|VA) 83 $21,595,000 $260,181 $3,913 3.06%
    LONGVIEW, WA (FHA|USDA|VA) 74 $21,380,000 $288,919 $4,613 3.15%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 94 $21,250,000 $226,064 $4,135 3.18%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 61 $20,325,000 $333,197 $5,222 2.84%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 72 $19,770,000 $274,583 $5,573 2.85%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 87 $18,975,000 $218,103 $5,064 3.14%
    BEND, OR (FHA|USDA|VA) 55 $18,135,000 $329,727 $4,640 2.97%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 88 $18,030,000 $204,886 $5,573 3.22%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 47 $17,945,000 $381,809 $5,446 2.97%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 72 $17,340,000 $240,833 $4,383 3.02%
    YORK-HANOVER, PA (FHA|USDA|VA) 95 $17,225,000 $181,316 $5,968 2.99%
    Ukiah, CA (FHA|USDA|VA) 46 $15,610,000 $339,348 $4,746 2.93%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 53 $15,445,000 $291,415 $4,656 3.10%
    VISALIA, CA (FHA|USDA|VA) 61 $14,865,000 $243,689 $5,007 2.94%
    YUBA CITY, CA (FHA|USDA|VA) 48 $14,390,000 $299,792 $6,248 3.05%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 26 $13,380,000 $514,615 $3,893 2.95%
    SALISBURY, MD-DE (FHA|USDA|VA) 53 $13,215,000 $249,340 $6,166 2.92%
    Fernley, NV (FHA|USDA|VA) 44 $13,010,000 $295,682 $6,292 3.22%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 60 $12,040,000 $200,667 $5,314 2.97%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 37 $11,725,000 $316,892 $5,496 3.28%
    CARSON CITY, NV (FHA|USDA|VA) 38 $11,280,000 $296,842 $5,173 3.15%
    CHICO, CA (FHA|USDA|VA) 37 $11,055,000 $298,784 $3,829 3.00%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 53 $10,905,000 $205,755 $4,231 2.90%
    OWENSBORO, KY (FHA|USDA|VA) 64 $10,900,000 $170,313 $5,358 3.14%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 34 $10,470,000 $307,941 $7,689 3.12%
    MERCED, CA (FHA|USDA|VA) 42 $10,440,000 $248,571 $4,034 2.89%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 47 $10,225,000 $217,553 $4,786 2.88%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 39 $10,175,000 $260,897 $4,873 2.86%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 46 $9,990,000 $217,174 $4,416 2.96%
    NAPA, CA (FHA|USDA|VA) 19 $9,215,000 $485,000 $3,747 2.84%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 29 $9,115,000 $314,310 $4,845 2.92%
    MORGANTOWN, WV (FHA|USDA|VA) 41 $8,985,000 $219,146 $5,624 3.22%
    EL CENTRO, CA (FHA|USDA|VA) 38 $8,840,000 $232,632 $5,987 2.87%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 39 $8,175,000 $209,615 $5,847 3.05%
    Crescent City, CA (FHA|USDA|VA) 35 $7,965,000 $227,571 $5,621 3.24%
    WINCHESTER, VA-WV (FHA|USDA|VA) 26 $7,890,000 $303,462 $6,131 3.07%
    CORVALLIS, OR (FHA|USDA|VA) 25 $7,815,000 $312,600 $7,010 2.91%
    Richmond-Berea, KY (FHA|USDA|VA) 39 $7,565,000 $193,974 $5,429 3.12%
    Sonora, CA (FHA|USDA|VA) 28 $7,560,000 $270,000 $4,966 2.90%
    Fairmont, WV (FHA|USDA|VA) 45 $7,385,000 $164,111 $5,500 3.18%
    RALEIGH-CARY, NC (FHA|USDA|VA) 24 $7,330,000 $305,417 $3,447 3.12%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 25 $6,965,000 $278,600 $4,396 2.92%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 36 $6,900,000 $191,667 $4,472 2.87%
    Newport, OR (FHA|USDA|VA) 26 $6,840,000 $263,077 $5,740 2.87%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 28 $6,580,000 $235,000 $6,184 2.95%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 17 $6,155,000 $362,059 $5,807 2.85%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 22 $5,900,000 $268,182 $4,706 2.92%
    La Grande, OR (FHA|USDA|VA) 31 $5,885,000 $189,839 $4,304 2.83%
    Clarksburg, WV (FHA|USDA|VA) 33 $5,645,000 $171,061 $5,888 3.29%
    FORT COLLINS, CO (FHA|USDA|VA) 16 $5,610,000 $350,625 $4,938 2.85%
    Outside of Metro Areas 15 $5,545,000 $369,667 $5,530 2.97%
    JACKSON, TN (FHA|USDA|VA) 24 $5,360,000 $223,333 $6,588 3.03%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 18 $5,160,000 $286,667 $3,915 2.89%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 27 $5,035,000 $186,481 $5,350 3.10%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 16 $5,030,000 $314,375 $7,166 2.87%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 27 $5,005,000 $185,370 $3,994 3.18%
    TUCSON, AZ (FHA|USDA|VA) 24 $4,800,000 $200,000 $4,484 3.17%
    Brookings, OR (FHA|USDA|VA) 18 $4,740,000 $263,333 $3,998 2.91%
    GREELEY, CO (FHA|USDA|VA) 16 $4,730,000 $295,625 $4,909 2.91%
    Seneca, SC (FHA|USDA|VA) 20 $4,700,000 $235,000 $4,647 3.14%
    COLUMBUS, OH (FHA|USDA|VA) 22 $4,700,000 $213,636 $3,791 2.96%
    Clearlake, CA (FHA|USDA|VA) 15 $4,665,000 $311,000 $7,133 3.07%
    TULSA, OK (FHA|USDA|VA) 22 $4,630,000 $210,455 $5,465 3.25%
    BOISE CITY, ID (FHA|USDA|VA) 17 $4,565,000 $268,529 $4,608 2.99%
    Roseburg, OR (FHA|USDA|VA) 20 $4,490,000 $224,500 $4,299 3.11%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 17 $4,465,000 $262,647 $8,223 2.94%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 18 $4,300,000 $238,889 $5,201 3.13%
    Cambridge, MD (FHA|USDA|VA) 20 $4,210,000 $210,500 $4,323 2.88%
    MORRISTOWN, TN (FHA|USDA|VA) 17 $4,145,000 $243,824 $7,535 2.89%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 17 $4,095,000 $240,882 $5,582 2.99%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 11 $4,095,000 $372,273 $6,771 2.93%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 20 $4,090,000 $204,500 $4,742 2.69%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 17 $4,005,000 $235,588 $3,514 2.91%
    JACKSONVILLE, FL (FHA|USDA|VA) 15 $3,875,000 $258,333 $5,192 3.18%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 14 $3,680,000 $262,857 $4,741 3.13%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 14 $3,680,000 $262,857 $6,830 2.67%
    PROVO-OREM, UT (FHA|USDA|VA) 13 $3,635,000 $279,615 $3,335 3.00%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 14 $3,550,000 $253,571 $7,224 3.31%
    PITTSBURGH, PA (FHA|USDA|VA) 16 $3,470,000 $216,875 $4,623 3.20%
    Prineville, OR (FHA|USDA|VA) 12 $3,400,000 $283,333 $4,144 2.94%
    Coos Bay, OR (FHA|USDA|VA) 14 $3,360,000 $240,000 $3,604 2.88%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $3,290,000 $329,000 $9,989 3.09%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 10 $3,250,000 $325,000 $4,976 2.79%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 15 $3,185,000 $212,333 $4,587 3.18%
    Centralia, WA (FHA|USDA|VA) 9 $3,115,000 $346,111 $4,215 3.14%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $3,060,000 $255,000 $3,508 3.08%
    SPRINGFIELD, MA (FHA|USDA|VA) 12 $3,040,000 $253,333 $6,327 2.81%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $2,980,000 $248,333 $6,463 3.02%
    LEBANON, PA (FHA|USDA|VA) 15 $2,965,000 $197,667 $6,301 2.86%
    APPLETON, WI (FHA|USDA|VA) 16 $2,890,000 $180,625 $4,164 3.09%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 11 $2,885,000 $262,273 $3,768 3.08%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 13 $2,865,000 $220,385 $2,640 3.02%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 10 $2,810,000 $281,000 $8,751 3.22%
    GETTYSBURG, PA (FHA|USDA|VA) 10 $2,750,000 $275,000 $9,957 2.74%
    Greeneville, TN (FHA|USDA|VA) 15 $2,705,000 $180,333 $4,735 3.46%
    Crossville, TN (FHA|USDA|VA) 11 $2,685,000 $244,091 $7,347 2.86%
    Red Bluff, CA (FHA|USDA|VA) 11 $2,685,000 $244,091 $4,077 3.08%
    GRANTS PASS, OR (FHA|USDA|VA) 9 $2,675,000 $297,222 $5,196 3.07%
    Astoria, OR (FHA|USDA|VA) 8 $2,590,000 $323,750 $3,840 2.92%
    JONESBORO, AR (FHA|USDA|VA) 17 $2,555,000 $150,294 $4,626 3.01%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $2,555,000 $511,000 $6,669 2.63%
    Frankfort, KY (FHA|USDA|VA) 13 $2,525,000 $194,231 $5,009 3.23%
    Eureka-Arcata, CA (FHA|USDA|VA) 10 $2,430,000 $243,000 $4,815 3.01%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $2,380,000 $396,667 $8,599 3.06%
    Concord, NH (FHA|USDA|VA) 10 $2,320,000 $232,000 $4,528 3.04%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 6 $2,270,000 $378,333 $7,864 2.92%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $2,255,000 $322,143 $3,462 2.75%
    FLINT, MI (FHA|USDA|VA) 13 $2,195,000 $168,846 $6,812 2.69%
    DOVER, DE (FHA|USDA|VA) 8 $2,190,000 $273,750 $6,232 3.03%
    BELLINGHAM, WA (FHA|USDA|VA) 6 $2,190,000 $365,000 $5,377 2.94%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 10 $2,180,000 $218,000 $4,408 3.06%
    Winfield, KS (FHA|USDA|VA) 16 $2,130,000 $133,125 $3,798 3.25%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 6 $2,130,000 $355,000 $8,303 2.73%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 11 $2,105,000 $191,364 $3,939 3.24%
    Hood River, OR (FHA|USDA|VA) 9 $2,075,000 $230,556 $4,222 2.82%
    READING, PA (FHA|USDA|VA) 10 $2,050,000 $205,000 $5,699 2.98%
    AKRON, OH (FHA|USDA|VA) 8 $2,050,000 $256,250 $3,293 3.06%
    Elko, NV (FHA|USDA|VA) 8 $1,970,000 $246,250 $4,543 3.08%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $1,940,000 $323,333 $8,422 2.98%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 8 $1,920,000 $240,000 $5,187 3.13%
    DULUTH, MN-WI (FHA|USDA|VA) 8 $1,910,000 $238,750 $4,594 2.80%
    Athens, TN (FHA|USDA|VA) 10 $1,900,000 $190,000 $6,302 2.96%
    Coffeyville, KS (FHA|USDA|VA) 30 $1,840,000 $61,333 $4,083 3.46%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $1,825,000 $202,778 $3,676 3.15%
    WALLA WALLA, WA (FHA|USDA|VA) 6 $1,820,000 $303,333 $3,083 2.71%
    SALT LAKE CITY, UT (FHA|USDA|VA) 6 $1,810,000 $301,667 $4,045 3.08%
    Edwards, CO (FHA|USDA|VA) 3 $1,745,000 $581,667 $4,461 3.29%
    COLUMBIA, SC (FHA|USDA|VA) 10 $1,730,000 $173,000 $4,446 3.48%
    The Dalles, OR (FHA|USDA|VA) 6 $1,720,000 $286,667 $6,316 2.94%
    BOULDER, CO (FHA|USDA|VA) 4 $1,720,000 $430,000 $4,552 2.72%
    HOT SPRINGS, AR (FHA|USDA|VA) 8 $1,650,000 $206,250 $5,890 2.91%
    Pottsville, PA (FHA|USDA|VA) 8 $1,620,000 $202,500 $4,430 2.72%
    Oak Harbor, WA (FHA|USDA|VA) 5 $1,595,000 $319,000 $3,215 3.08%
    Laconia, NH (FHA|USDA|VA) 5 $1,585,000 $317,000 $5,585 3.02%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,575,000 $315,000 $4,661 3.02%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 7 $1,565,000 $223,571 $4,775 3.11%
    Parsons, KS (FHA|USDA|VA) 18 $1,500,000 $83,333 $4,954 3.51%
    Brainerd, MN (FHA|USDA|VA) 7 $1,475,000 $210,714 $6,167 3.38%
    CLEVELAND, TN (FHA|USDA|VA) 7 $1,465,000 $209,286 $3,897 3.34%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $1,455,000 $207,857 $3,977 2.91%
    FLAGSTAFF, AZ (FHA|USDA|VA) 5 $1,455,000 $291,000 $4,720 2.75%
    THE VILLAGES, FL (FHA|USDA|VA) 5 $1,435,000 $287,000 $5,095 2.98%
    Fallon, NV (FHA|USDA|VA) 6 $1,410,000 $235,000 $4,340 2.85%
    Danville, KY (FHA|USDA|VA) 9 $1,405,000 $156,111 $4,366 3.08%
    Easton, MD (FHA|USDA|VA) 4 $1,300,000 $325,000 $5,104 3.15%
    Kill Devil Hills, NC (FHA|USDA|VA) 3 $1,295,000 $431,667 $6,159 3.25%
    Pahrump, NV (FHA|USDA|VA) 6 $1,270,000 $211,667 $4,715 3.21%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,255,000 $251,000 $6,042 3.53%
    ALBUQUERQUE, NM (FHA|USDA|VA) 7 $1,245,000 $177,857 $2,849 2.78%
    Sevierville, TN (FHA|USDA|VA) 6 $1,230,000 $205,000 $5,373 3.17%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 6 $1,220,000 $203,333 $4,919 3.25%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,205,000 $241,000 $4,849 3.00%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 6 $1,200,000 $200,000 $5,039 2.50%
    WINSTON-SALEM, NC (FHA|USDA|VA) 6 $1,200,000 $200,000 $2,879 2.77%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 5 $1,185,000 $237,000 $4,343 3.12%
    LAKE CHARLES, LA (FHA|USDA|VA) 8 $1,170,000 $146,250 $4,365 3.19%
    Key West, FL (FHA|USDA|VA) 2 $1,150,000 $575,000 $5,740 3.13%
    ST. GEORGE, UT (FHA|USDA|VA) 2 $1,150,000 $575,000 $4,089 2.81%
    YAKIMA, WA (FHA|USDA|VA) 4 $1,140,000 $285,000 $6,098 2.75%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,100,000 $275,000 $5,498 3.25%
    ASHEVILLE, NC (FHA|USDA|VA) 5 $1,075,000 $215,000 $4,946 3.10%
    RACINE, WI (FHA|USDA|VA) 4 $1,070,000 $267,500 $5,328 2.87%
    GRAND JUNCTION, CO (FHA|USDA|VA) 4 $1,060,000 $265,000 $6,014 2.84%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 5 $1,045,000 $209,000 $5,703 2.65%
    Breckenridge, CO (FHA|USDA|VA) 2 $1,040,000 $520,000 $6,831 3.13%
    WACO, TX (FHA|USDA|VA) 10 $1,040,000 $104,000 $3,614 2.79%
    LaGrange, GA-AL (FHA|USDA|VA) 5 $995,000 $199,000 $5,715 3.33%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $980,000 $490,000 $10,473 3.44%
    OCALA, FL (FHA|USDA|VA) 5 $975,000 $195,000 $4,486 2.92%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $955,000 $318,333 $4,246 2.79%
    Vineyard Haven, MA (FHA|USDA|VA) 2 $920,000 $460,000 $6,738 3.19%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 5 $915,000 $183,000 $4,909 3.35%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $900,000 $450,000 $11,758 2.63%
    PITTSFIELD, MA (FHA|USDA|VA) 3 $895,000 $298,333 $8,397 3.04%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $890,000 $222,500 $3,847 2.84%
    WENATCHEE, WA (FHA|USDA|VA) 2 $850,000 $425,000 $5,786 2.88%
    Durango, CO (FHA|USDA|VA) 2 $840,000 $420,000 $4,429 3.63%
    Susanville, CA (FHA|USDA|VA) 5 $835,000 $167,000 $3,756 3.18%
    FORT SMITH, AR-OK (FHA|USDA|VA) 4 $810,000 $202,500 $4,070 2.84%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $800,000 $200,000 $4,958 2.84%
    LYNCHBURG, VA (FHA|USDA|VA) 4 $780,000 $195,000 $5,875 2.91%
    SPRINGFIELD, IL (FHA|USDA|VA) 4 $770,000 $192,500 $5,667 2.34%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $765,000 $255,000 $5,259 3.33%
    Sandpoint, ID (FHA|USDA|VA) 2 $760,000 $380,000 $5,455 2.94%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $755,000 $151,000 $5,505 2.85%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $750,000 $375,000 $5,109 2.56%
    LAWRENCE, KS (FHA|USDA|VA) 4 $750,000 $187,500 $3,415 2.97%
    FAYETTEVILLE, NC (FHA|USDA|VA) 4 $750,000 $187,500 $2,876 2.75%
    Burley, ID (FHA|USDA|VA) 2 $750,000 $375,000 $8,188 2.75%
    WILLIAMSPORT, PA (FHA|USDA|VA) 2 $750,000 $375,000 $7,995 2.56%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $745,000 $248,333 $4,219 3.08%
    Searcy, AR (FHA|USDA|VA) 4 $740,000 $185,000 $5,708 2.97%
    Port Angeles, WA (FHA|USDA|VA) 3 $735,000 $245,000 $4,060 3.12%
    ST. CLOUD, MN (FHA|USDA|VA) 4 $730,000 $182,500 $3,823 2.97%
    Marion, NC (FHA|USDA|VA) 2 $720,000 $360,000 $3,356 3.19%
    SAVANNAH, GA (FHA|USDA|VA) 3 $705,000 $235,000 $4,966 2.92%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $705,000 $705,000 $29,798 3.63%
    COLUMBUS, IN (FHA|USDA|VA) 2 $690,000 $345,000 $9,243 3.31%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $690,000 $345,000 $6,601 2.88%
    Russellville, AR (FHA|USDA|VA) 5 $685,000 $137,000 $5,638 3.03%
    EL PASO, TX (FHA|USDA|VA) 3 $635,000 $211,667 $9,141 3.17%
    Show Low, AZ (FHA|USDA|VA) 3 $625,000 $208,333 $5,453 2.96%
    London, KY (FHA|USDA|VA) 3 $625,000 $208,333 $5,892 3.33%
    ROCHESTER, MN (FHA|USDA|VA) 3 $615,000 $205,000 $4,576 3.38%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 5 $615,000 $123,000 $4,597 3.60%
    SPARTANBURG, SC (FHA|USDA|VA) 5 $615,000 $123,000 $2,464 2.78%
    TOLEDO, OH (FHA|USDA|VA) 3 $595,000 $198,333 $5,396 2.75%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $580,000 $290,000 $2,340 2.75%
    Opelousas, LA (FHA|USDA|VA) 3 $555,000 $185,000 $5,671 2.58%
    Orangeburg, SC (FHA|USDA|VA) 2 $550,000 $275,000 $3,968 2.06%
    HAMMOND, LA (FHA|USDA|VA) 2 $540,000 $270,000 $5,657 2.88%
    ROANOKE, VA (FHA|USDA|VA) 3 $535,000 $178,333 $6,412 2.63%
    Somerset, KY (FHA|USDA|VA) 4 $520,000 $130,000 $5,447 2.72%
    Alexander City, AL (FHA|USDA|VA) 1 $515,000 $515,000 $6,078 2.63%
    Mount Sterling, KY (FHA|USDA|VA) 3 $505,000 $168,333 $7,649 3.08%
    ANN ARBOR, MI (FHA|USDA|VA) 3 $505,000 $168,333 $3,800 2.75%
    Cedar City, UT (FHA|USDA|VA) 2 $500,000 $250,000 $3,159 2.94%
    CaƱon City, CO (FHA|USDA|VA) 3 $495,000 $165,000 $2,972 3.21%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $495,000 $165,000 $4,975 2.75%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $485,000 $161,667 $3,524 3.33%
    PINE BLUFF, AR (FHA|USDA|VA) 2 $480,000 $240,000 $5,367 3.44%
    Newport, TN (FHA|USDA|VA) 2 $470,000 $235,000 $10,471 2.69%
    TOPEKA, KS (FHA|USDA|VA) 4 $470,000 $117,500 $2,912 2.94%
    LAFAYETTE, LA (FHA|USDA|VA) 4 $470,000 $117,500 $3,900 3.16%
    Jefferson, GA (FHA|USDA|VA) 1 $465,000 $465,000 $4,956 3.00%
    Glenwood Springs, CO (FHA|USDA|VA) 2 $460,000 $230,000 $3,886 2.81%
    Rexburg, ID (FHA|USDA|VA) 2 $450,000 $225,000 $9,526 3.19%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $445,000 $148,333 $3,002 3.33%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $440,000 $220,000 $4,379 3.63%
    Cedartown, GA (FHA|USDA|VA) 2 $440,000 $220,000 $6,348 2.75%
    SANTA FE, NM (FHA|USDA|VA) 1 $435,000 $435,000 $3,477 2.88%
    Red Wing, MN (FHA|USDA|VA) 2 $430,000 $215,000 $5,955 2.81%
    LAREDO, TX (FHA|USDA|VA) 2 $430,000 $215,000 $4,485 2.81%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $430,000 $215,000 $4,218 3.25%
    Moscow, ID (FHA|USDA|VA) 1 $425,000 $425,000 $6,100 2.75%
    Beaver Dam, WI (FHA|USDA|VA) 2 $420,000 $210,000 $4,979 3.00%
    Shelton, WA (FHA|USDA|VA) 2 $420,000 $210,000 $2,556 3.12%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $420,000 $210,000 $8,224 3.06%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $415,000 $415,000 $2,496 2.63%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $415,000 $138,333 $2,738 3.42%
    TYLER, TX (FHA|USDA|VA) 2 $410,000 $205,000 $3,223 2.75%
    Othello, WA (FHA|USDA|VA) 2 $400,000 $200,000 $5,492 2.75%
    El Campo, TX (FHA|USDA|VA) 2 $400,000 $200,000 $6,202 3.75%
    Hutchinson, KS (FHA|USDA|VA) 4 $390,000 $97,500 $3,820 3.16%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $390,000 $195,000 $2,511 3.00%
    Bluefield, WV-VA (FHA|USDA|VA) 3 $385,000 $128,333 $5,016 3.29%
    Kirksville, MO (FHA|USDA|VA) 1 $385,000 $385,000 $3,557 3.13%
    Laramie, WY (FHA|USDA|VA) 1 $385,000 $385,000 $3,286 3.38%
    Arcadia, FL (FHA|USDA|VA) 1 $385,000 $385,000 $12,131 4.50%
    MIDLAND, TX (FHA|USDA|VA) 2 $380,000 $190,000 $5,107 2.75%
    LUBBOCK, TX (FHA|USDA|VA) 2 $380,000 $190,000 $3,634 3.25%
    COLUMBUS, GA-AL (FHA|USDA|VA) 2 $380,000 $190,000 $7,924 3.06%
    Tiffin, OH (FHA|USDA|VA) 1 $375,000 $375,000 $4,718 2.50%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $370,000 $185,000 $2,363 2.88%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $370,000 $185,000 $4,597 2.69%
    Keene, NH (FHA|USDA|VA) 2 $370,000 $185,000 $2,995 3.25%
    Corinth, MS (FHA|USDA|VA) 1 $365,000 $365,000 $3,839 3.25%
    PUEBLO, CO (FHA|USDA|VA) 2 $360,000 $180,000 $4,965 2.94%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $355,000 $355,000 $3,365 2.75%
    MANHATTAN, KS (FHA|USDA|VA) 3 $355,000 $118,333 $3,313 3.04%
    BILLINGS, MT (FHA|USDA|VA) 1 $345,000 $345,000 $4,395 3.25%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $345,000 $345,000 $3,215 2.88%
    Cullowhee, NC (FHA|USDA|VA) 2 $340,000 $170,000 $7,682 3.75%
    Kalispell, MT (FHA|USDA|VA) 2 $340,000 $170,000 $3,529 3.31%
    Montrose, CO (FHA|USDA|VA) 2 $340,000 $170,000 $2,425 2.38%
    Torrington, CT (FHA|USDA|VA) 2 $340,000 $170,000 $6,351 3.31%
    Great Bend, KS (FHA|USDA|VA) 4 $330,000 $82,500 $4,018 3.44%
    LEWISTON, ID-WA (FHA|USDA|VA) 2 $330,000 $165,000 $7,130 2.63%
    Findlay, OH (FHA|USDA|VA) 1 $325,000 $325,000 $3,982 2.75%
    MIDLAND, MI (FHA|USDA|VA) 1 $325,000 $325,000 $3,180 3.13%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $325,000 $325,000 $5,812 2.75%
    SUMTER, SC (FHA|USDA|VA) 2 $320,000 $160,000 $2,716 3.13%
    Craig, CO (FHA|USDA|VA) 1 $315,000 $315,000 $2,515 3.00%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $315,000 $315,000 $2,886 2.75%
    Athens, TX (FHA|USDA|VA) 1 $315,000 $315,000 $3,100 2.38%
    Berlin, NH (FHA|USDA|VA) 1 $315,000 $315,000 $5,375 2.88%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $315,000 $315,000 $9,504 2.25%
    Traverse City, MI (FHA|USDA|VA) 1 $315,000 $315,000 $3,341 3.13%
    Palatka, FL (FHA|USDA|VA) 1 $305,000 $305,000 $7,462 4.99%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $305,000 $305,000 $3,550 2.75%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $300,000 $150,000 $4,332 3.38%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $295,000 $295,000 $4,132 2.88%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $295,000 $295,000 $2,934 3.25%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $295,000 $295,000 $4,620 3.38%
    Sedalia, MO (FHA|USDA|VA) 1 $295,000 $295,000 $3,383 2.63%
    Dickinson, ND (FHA|USDA|VA) 1 $295,000 $295,000 $2,446 2.75%
    New Castle, IN (FHA|USDA|VA) 2 $290,000 $145,000 $2,936 2.88%
    Portsmouth, OH (FHA|USDA|VA) 1 $285,000 $285,000 $8,968 2.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $285,000 $285,000 $8,638 3.00%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $285,000 $285,000 $4,538 3.38%
    McPherson, KS (FHA|USDA|VA) 1 $285,000 $285,000 $2,756 2.75%
    Forest City, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,769 3.75%
    WILMINGTON, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,607 2.50%
    Sunbury, PA (FHA|USDA|VA) 2 $280,000 $140,000 $4,868 3.19%
    Pullman, WA (FHA|USDA|VA) 3 $275,000 $91,667 $3,231 3.04%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $275,000 $275,000 $7,529 2.50%
    Nogales, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $2,355 2.88%
    Scottsburg, IN (FHA|USDA|VA) 1 $275,000 $275,000 $2,931 2.88%
    JOPLIN, MO (FHA|USDA|VA) 1 $275,000 $275,000 $2,833 2.88%
    SAGINAW, MI (FHA|USDA|VA) 2 $270,000 $135,000 $6,006 2.19%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $270,000 $135,000 $4,621 3.06%
    Bartlesville, OK (FHA|USDA|VA) 2 $270,000 $135,000 $4,830 3.63%
    Pecos, TX (FHA|USDA|VA) 1 $265,000 $265,000 $5,350 2.88%
    Urbana, OH (FHA|USDA|VA) 2 $260,000 $130,000 $5,392 3.06%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $255,000 $255,000 $1,986 2.99%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $255,000 $255,000 $8,734 3.13%
    Thomaston, GA (FHA|USDA|VA) 2 $250,000 $125,000 $5,565 2.88%
    Corning, NY (FHA|USDA|VA) 1 $245,000 $245,000 $4,687 3.25%
    Sturgis, MI (FHA|USDA|VA) 1 $245,000 $245,000 $3,130 3.25%
    Cookeville, TN (FHA|USDA|VA) 1 $245,000 $245,000 $6,130 2.88%
    Tahlequah, OK (FHA|USDA|VA) 1 $245,000 $245,000 $7,869 3.13%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $245,000 $245,000 $3,081 3.00%
    STAUNTON, VA (FHA|USDA|VA) 1 $235,000 $235,000 $4,914 2.75%
    Paris, TN (FHA|USDA|VA) 1 $235,000 $235,000 $6,036 3.50%
    Stillwater, OK (FHA|USDA|VA) 1 $235,000 $235,000 $4,958 2.50%
    Elkins, WV (FHA|USDA|VA) 1 $225,000 $225,000 $3,638 3.50%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,389 3.63%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $215,000 $215,000 $4,760 2.75%
    ENID, OK (FHA|USDA|VA) 1 $215,000 $215,000 $5,975 2.88%
    ERIE, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,747 2.25%
    MADISON, WI (FHA|USDA|VA) 1 $215,000 $215,000 $3,345 2.63%
    Rolla, MO (FHA|USDA|VA) 1 $215,000 $215,000 $6,314 2.88%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $210,000 $105,000 $5,907 4.00%
    Winnemucca, NV (FHA|USDA|VA) 1 $195,000 $195,000 $8,435 3.00%
    Emporia, KS (FHA|USDA|VA) 1 $195,000 $195,000 $3,553 3.38%
    Bemidji, MN (FHA|USDA|VA) 1 $195,000 $195,000 $9,874 2.38%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $195,000 $195,000 $3,926 4.99%
    Stevens Point, WI (FHA|USDA|VA) 1 $195,000 $195,000 $1,912 3.38%
    Cornelia, GA (FHA|USDA|VA) 1 $195,000 $195,000 $6,682 3.75%
    Marshall, MN (FHA|USDA|VA) 1 $185,000 $185,000 $5,250 3.00%
    Clovis, NM (FHA|USDA|VA) 1 $185,000 $185,000 $6,862 2.88%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $185,000 $185,000 $5,033 2.99%
    Mount Vernon, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,970 3.38%
    Holland, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,216 2.75%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $185,000 $185,000 $8,265 2.88%
    Brevard, NC (FHA|USDA|VA) 1 $185,000 $185,000 $4,574 2.88%
    BANGOR, ME (FHA|USDA|VA) 1 $175,000 $175,000 $3,815 3.25%
    Durant, OK (FHA|USDA|VA) 1 $175,000 $175,000 $4,103 2.75%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $175,000 $175,000 $6,388 2.75%
    McAlester, OK (FHA|USDA|VA) 1 $175,000 $175,000 $3,395 3.99%
    Bardstown, KY (FHA|USDA|VA) 1 $175,000 $175,000 $5,449 2.88%
    Whitewater, WI (FHA|USDA|VA) 1 $175,000 $175,000 $4,974 2.13%
    Shawnee, OK (FHA|USDA|VA) 2 $170,000 $85,000 $3,060 3.94%
    AMES, IA (FHA|USDA|VA) 1 $165,000 $165,000 $4,896 2.75%
    FARGO, ND-MN (FHA|USDA|VA) 1 $165,000 $165,000 $2,844 3.25%
    GLENS FALLS, NY (FHA|USDA|VA) 1 $165,000 $165,000 $10,948 2.75%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $165,000 $165,000 $5,344 3.50%
    ABILENE, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,171 2.88%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $165,000 $165,000 $3,746 2.38%
    Moses Lake, WA (FHA|USDA|VA) 1 $165,000 $165,000 $3,376 2.99%
    Rutland, VT (FHA|USDA|VA) 1 $165,000 $165,000 $4,522 3.50%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,641 2.75%
    Dayton, TN (FHA|USDA|VA) 1 $165,000 $165,000 $2,244 3.13%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.88%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $155,000 $155,000 $3,017 2.25%
    Somerset, PA (FHA|USDA|VA) 1 $155,000 $155,000 $4,144 2.63%
    Kerrville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,697 2.88%
    Dodge City, KS (FHA|USDA|VA) 1 $155,000 $155,000 $5,650 3.38%
    Bedford, IN (FHA|USDA|VA) 1 $155,000 $155,000 $6,300 3.13%
    Angola, IN (FHA|USDA|VA) 1 $155,000 $155,000 $3,899 2.50%
    Central City, KY (FHA|USDA|VA) 1 $145,000 $145,000 $6,770 3.63%
    Aberdeen, WA (FHA|USDA|VA) 1 $145,000 $145,000 $2,840 2.88%
    Dumas, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,195 2.38%
    Statesboro, GA (FHA|USDA|VA) 1 $145,000 $145,000 $5,203 2.75%
    GREENVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,620 3.25%
    Malvern, AR (FHA|USDA|VA) 1 $145,000 $145,000 $5,713 2.88%
    MUNCIE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,782 2.75%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $145,000 $145,000 $5,034 3.38%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,863 3.38%
    VALDOSTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $4,081 3.25%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $135,000 $135,000 $8,521 2.75%
    Danville, VA (FHA|USDA|VA) 1 $125,000 $125,000 $7,105 3.38%
    GREEN BAY, WI (FHA|USDA|VA) 1 $125,000 $125,000 $3,486 3.25%
    Fort Morgan, CO (FHA|USDA|VA) 1 $125,000 $125,000 $3,285 2.25%
    Scottsbluff, NE (FHA|USDA|VA) 1 $125,000 $125,000 $4,995 2.88%
    Jasper, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,980 2.88%
    Jennings, LA (FHA|USDA|VA) 1 $125,000 $125,000 $4,579 3.50%
    MANKATO, MN (FHA|USDA|VA) 1 $125,000 $125,000 $4,510 3.75%
    Spirit Lake, IA (FHA|USDA|VA) 1 $125,000 $125,000 $3,402 3.38%
    MOBILE, AL (FHA|USDA|VA) 1 $125,000 $125,000 $2,124 2.88%
    NILES, MI (FHA|USDA|VA) 1 $125,000 $125,000 $3,487 3.63%
    Ponca City, OK (FHA|USDA|VA) 1 $125,000 $125,000 $5,979 3.63%
    Ashtabula, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,003 3.13%
    Roswell, NM (FHA|USDA|VA) 1 $125,000 $125,000 $8,428 4.13%
    Huntingdon, PA (FHA|USDA|VA) 1 $125,000 $125,000 $4,103 3.00%
    ALBANY, GA (FHA|USDA|VA) 1 $115,000 $115,000 $3,119 3.38%
    Fergus Falls, MN (FHA|USDA|VA) 1 $115,000 $115,000 $5,413 2.75%
    Albert Lea, MN (FHA|USDA|VA) 1 $115,000 $115,000 $4,963 3.38%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,402 3.50%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $105,000 $105,000 $4,258 3.63%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $105,000 $105,000 $3,747 2.88%
    Branson, MO (FHA|USDA|VA) 1 $105,000 $105,000 $6,092 2.88%
    Batesville, AR (FHA|USDA|VA) 1 $105,000 $105,000 $4,398 2.25%
    Owatonna, MN (FHA|USDA|VA) 1 $105,000 $105,000 $2,750 3.13%
    CASPER, WY (FHA|USDA|VA) 1 $95,000 $95,000 $4,991 3.63%
    Greenwood, SC (FHA|USDA|VA) 1 $95,000 $95,000 $3,286 2.99%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $95,000 $95,000 $3,171 3.00%
    Austin, MN (FHA|USDA|VA) 1 $95,000 $95,000 $2,792 3.38%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $95,000 $95,000 $2,891 2.25%
    Hays, KS (FHA|USDA|VA) 1 $95,000 $95,000 $4,911 2.88%
    Maryville, MO (FHA|USDA|VA) 1 $85,000 $85,000 $3,093 3.00%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $85,000 $85,000 $3,377 2.75%
    Madisonville, KY (FHA|USDA|VA) 1 $85,000 $85,000 $4,750 3.75%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $85,000 $85,000 $2,408 2.88%
    Grand Rapids, MN (FHA|USDA|VA) 1 $65,000 $65,000 $3,030 3.13%
    Willmar, MN (FHA|USDA|VA) 1 $65,000 $65,000 $4,503 3.75%
    Muskogee, OK (FHA|USDA|VA) 1 $65,000 $65,000 $3,376 3.25%
    Salina, KS (FHA|USDA|VA) 1 $55,000 $55,000 $2,296 3.38%
    Taylorville, IL (FHA|USDA|VA) 1 $55,000 $55,000 $2,941 2.25%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $45,000 $45,000 $3,003 2.75%

    Sierra Pacific Mortgage Company 's top markets include Los Angeles, Sacramento, Portland, Bakersfield, and San Francisco among others.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 19,319 $6,052,335,000 $313,284 $4,517 3.01%
    FHA 2,707 $740,565,000 $273,574 $9,590 2.97%
    VA 1,003 $353,375,000 $352,318 $7,698 2.82%
    USDA 603 $121,955,000 $202,247 $5,858 2.82%

    For 2021, Sierra Pacific Mortgage Company 's most frequently originated type of loan was Conventional, with 19,319 originations. Their 2nd most popular type was FHA, with 2,707 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 9,791 $3,102,635,000 $316,886 $6,560 3.07%
    Refi 8,397 $2,501,335,000 $297,884 $4,048 2.83%
    Cash Out Refi 3,843 $1,174,215,000 $305,546 $4,913 3.08%
    Home Improvement 1,601 $490,045,000 $306,087 $4,604 3.07%

    For 2021, Sierra Pacific Mortgage Company 's most frequently cited loan purpose was Home Purchase, with 9,791 originations. The 2nd most popular reason was Refi, with 8,397 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 19,430 $6,219,260,000 $320,085 $5,590 3.07%
    15 Year 2,114 $505,390,000 $239,068 $3,771 2.51%
    20 Year 1,528 $409,710,000 $268,135 $3,752 2.79%
    10 Year 326 $63,810,000 $195,736 $3,231 2.35%
    Other 234 $70,060,000 $299,402 $4,707 2.98%

    For 2021, Sierra Pacific Mortgage Company 's most frequently cited loan duration was 30 Year, with 19,430 originations. The 2nd most popular length was 15 Year, with 2,114 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 9,267 $2,628,365,000 $283,626
    $<1k 4,939 $1,727,755,000 $349,819
    $2k-3k 3,340 $887,060,000 $265,587
    $5k+ 2,706 $1,047,750,000 $387,195
    $3k-4k 2,027 $559,285,000 $275,918
    $4k-5k 1,324 $408,690,000 $308,678

    Sierra Pacific Mortgage Company 's average total fees were $5,590, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 9,267 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 11,794 $3,732,100,000 $316,441
    3-4% 8,457 $2,611,475,000 $308,794
    <2.5% 2,955 $822,335,000 $278,286
    4-5% 425 $102,015,000 $240,035
    5-6% 1 $305,000 $305,000

    During 2021, Sierra Pacific Mortgage Company 's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 2.5-3%, with 11,794 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 11,928 $3,455,570,000 $289,702 $5,362 2.98%
    $100k-200k 5,351 $834,715,000 $155,992 $4,205 2.99%
    $400k-600k 4,537 $2,184,985,000 $481,592 $5,893 2.98%
    $600k-1MM 979 $694,895,000 $709,801 $8,268 3.05%
    $100,000 or less 809 $64,065,000 $79,190 $3,525 3.12%
    $1MM+ 28 $34,000,000 $1,214,286 $12,030 3.11%

    2021 saw Sierra Pacific Mortgage Company place emphasis on $200k-400k loans with 11,928 originations, totaling $3,455,570,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 5,587 $1,363,625,000 $244,071 $5,173 3.00%
    $100k-150k 5,454 $1,932,500,000 $354,327 $5,447 2.99%
    $75k-100k 4,759 $1,424,965,000 $299,425 $5,406 3.00%
    $150k-250k 3,386 $1,414,450,000 $417,735 $5,340 2.96%
    $50k or less 3,082 $515,650,000 $167,310 $4,694 3.03%
    $250k+ 1,125 $540,785,000 $480,698 $5,617 2.98%

    Sierra Pacific Mortgage Company lent most frequently to those with incomes in the $50k-75k range, with 5,587 originations. The second most popular income band? $100k-150k, with 5,454 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 4,738 $1,377,080,000 $290,646 $4,585 2.95%
    30-36% 4,218 $1,292,140,000 $306,339 $5,093 2.99%
    <20% 1,585 $419,315,000 $264,552 $4,063 2.87%
    44% 1,145 $369,845,000 $323,009 $5,810 3.09%
    43% 966 $311,270,000 $322,226 $5,684 3.06%
    42% 955 $305,755,000 $320,162 $5,520 3.06%
    40% 946 $298,760,000 $315,814 $5,506 3.02%
    41% 925 $297,965,000 $322,124 $5,563 3.04%
    50-60% 903 $277,725,000 $307,558 $8,715 2.90%
    39% 899 $285,775,000 $317,881 $5,414 3.04%
    49% 840 $281,410,000 $335,012 $5,589 3.00%
    38% 829 $253,935,000 $306,315 $5,499 3.04%
    37% 827 $257,025,000 $310,792 $5,191 3.02%
    36% 798 $249,560,000 $312,732 $5,294 3.04%
    45% 768 $245,760,000 $320,000 $5,455 3.05%
    47% 709 $230,685,000 $325,367 $5,365 2.99%
    48% 667 $218,655,000 $327,819 $5,434 2.99%
    46% 645 $210,515,000 $326,380 $5,405 3.01%
    >60% 10 $4,810,000 $481,000 $8,831 2.91%

    Sierra Pacific Mortgage Company lent most frequently to those with DTI ratios of 20-30%, with 4,738 originations. The next most common DTI ratio? 30-36%, with 4,218 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 16,628 $4,991,960,000 $300,214 $5,238 2.98%
    Not provided 4,674 $1,464,820,000 $313,398 $5,182 3.01%
    Asian 1,254 $482,350,000 $384,649 $4,727 2.94%
    Black 786 $233,240,000 $296,743 $7,014 3.07%
    American Indian 130 $39,810,000 $306,231 $6,520 3.06%
    Native Hawaiian or Islander 54 $18,270,000 $338,333 $5,502 2.96%
    Filipino 27 $10,965,000 $406,111 $6,857 2.99%
    Asian Indian 28 $10,680,000 $381,429 $5,303 3.11%
    Other Asian 27 $8,255,000 $305,741 $4,522 2.91%
    Other Pacific Islander 9 $3,095,000 $343,889 $4,718 3.01%
    Vietnamese 6 $1,660,000 $276,667 $3,799 3.10%
    Chinese 3 $875,000 $291,667 $4,627 2.96%
    Japanese 2 $860,000 $430,000 $4,185 3.06%
    Korean 2 $710,000 $355,000 $8,553 2.88%
    Native Hawaiian 1 $405,000 $405,000 $5,299 2.99%
    Guamanian 1 $275,000 $275,000 $8,262 3.38%

    Approval Rates

    Total approvals of all applications
    86.89%

    Sierra Pacific Mortgage Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.20%

    Sierra Pacific Mortgage Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 23,632 $7,268,230,000 $307,559

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    23,632 $7,268,230,000 $307,559

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,979 $459,535,000 $232,206 $3,446 2.78%
    40-60% 4,943 $1,496,555,000 $302,762 $3,840 2.87%
    60-80% 8,092 $2,671,650,000 $330,159 $5,021 3.08%
    80-100% 8,007 $2,465,805,000 $307,956 $6,750 3.05%
    Over 100% 172 $62,990,000 $366,221 $12,083 2.82%
    Under 20% 228 $45,830,000 $201,009 $3,366 2.76%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    SIERRA PACIFIC MORTGAGE Other type of mortgage Trouble during payment process 1 4.5%
    SIERRA PACIFIC MORTGAGE Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 4.5%
    SIERRA PACIFIC MORTGAGE Conventional home mortgage Incorrect information on your report 1 4.5%
    SIERRA PACIFIC MORTGAGE Conventional home mortgage Struggling to pay mortgage 3 13.6%
    SIERRA PACIFIC MORTGAGE Conventional home mortgage Trouble during payment process 13 59.1%
    SIERRA PACIFIC MORTGAGE FHA mortgage Trouble during payment process 2 9.1%
    SIERRA PACIFIC MORTGAGE VA mortgage Trouble during payment process 1 4.5%